1 Read ABOUT it gives a background about the program.
2 Click on "Setup Page" and on that page enter your bank statement balance at 1 January at middle top. Read "A Few Tips" to learn about months with extra pay-days. Enter those dates on Home page.
3 Click "Setup Samples" (bottom right). This takes you to a sample sets of accounts names. Click the name of the group that fits you best. This copies the list to your Setup page. Alter any of the names and/or numbers as required.
4 The RED section is automatically Income. The remaining sections are all Expenses. Beside each account name enter the expected amount to spend. Beside each item enter a D for daily, a W for weekly, a F for fortnight and a M for monthly (capitals)
5 As you enter amounts the expect bank balances on the right will automatically change.
6 When a "W" is entered for a weekly amount. It is automatically copied to the months that have 5 pay-days. Fortnightly items need to be entered in the FT5 columns manually to avoid clashes.
7 Enter expenses that only occur in certain months. In those particular months, items such as Power enter extra in Winter months.
8 Note the changing back balance at top right. Adjust your figures until you can live with result. The Years total for every account is on the left.
9 When all entries made click "Copy to next year". Then adjust figures to fit next year if required.
10 You now have a plan until the end of the year. You can adjust at any time if circumstances change.
11 During the month the only entries you need to make are those biggish items that occur that not in your plan.
12 At the end of the month enter your ACTUAL back balance. This shows how close you were to your target and adjust all future balances.
13 At the start of each month click "New Statement" at bottom of Setup. On that page you see a Weekly layout of planned transactions for the month. It helps you to keep a close eye on your finances. On this page you only need to record big exceptions. During a month go to this page click "Current Month".
14 At the Year End click "End of Year roll Over" - this copies next year to this year. Check the dates on the home page. View and adjust the Setup Page and copy it to the next year. See notes on "A Few Tips" to see many years ahead.
15 Below are a few daily standard costs of food taken from the NZ Consumer 2014.
       Daily cost of food  $NZ
        Man	                    13
        Women	            12 
        Adolescent
        Boy                      16         
        Girl                       14 
        10 year old            11       
        5 year old               7    
        4 year old               7
        1 year old               6
        Cat                        2
        Dog                       3