On Mar 16, 2009, at 10:30 AM, memphismojo wrote:

> Hi!  My wife and I just started using MW but we are a little
> confused.  Still trying to figure things out.  The problem we are
> having right now is that the money left over in our buckets, which was
> allocated from out paychecks, adds up to more than we say we actually
> have left in our account. Where did we go wrong and how can we remedy
> this error? Also how come you can not change the cash flow start date
> to any other day besides the first of the month? The reason I ask is
> because after importing all my transactions and assigning them
> categories my buckets were all negative. I tried changing the  cash
> flow start date to the day we received our paychecks in order to bring
> the buckets to a zero balance but the date always defaulted to the
> beginning of the month. Why is this and how can it be changed?

Hi Jay,

Sorry to hear the tutorials didn't help, we are always working to add  
more and improve them.

If you've ever used the envelope budgeting method, using MoneyWell  
will be easier than if you have worked with a Quicken-style system.  
Most people have money left in their account(s) or around the house  
when they begin tracking cash flow. That's why MoneyWell has a way to  
put an initial amount in one bucket so you can start your balances  
with a positive amount.

Using the Edit > Change Cash Flow Start Date, you enter the total  
amount of cash you have to spend at the start of the month and begin  
to allocate that money. MoneyWell uses the start of the month to keep  
a consistent time period, months, for you cash flow tracking. You can  
actually start using MoneyWell to track your spending and start your  
cash flow management on April 1, 2009. If you change the start date to  
a future date, MoneyWell will show you transaction totals for each  
bucket instead of cash remaining until then.

Your account balance may not equal your bucket total (your total  
amount of cash left to spend). The only time these two are exact is if  
you only spend money out of one account and your starting cash flow  
amount is the same as your account balance. It's not critical that  
these match but you should start out tracking cash flow with real  
money. In other words, don't use available credit on credit cards as  
part of your available cash. The goal of MoneyWell is to get you on a  
"cash only" spending plan.

Let me know if this helps any or if you have more questions please.

Peace,

Kevin Hoctor
No Thirst Software LLC
[email protected]
http://nothirst.com
http://kevinhoctor.blogspot.com

Check out our MoneyWell video tutorials:
http://nothirst.com/moneywell/tutorials/

Join our user forum to learn about new releases:
http://groups.google.com/group/no-thirst-software
Peace,

Kevin Hoctor
[email protected]
No Thirst Software LLC
http://nothirst.com
http://kevinhoctor.blogspot.com


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