Changes

'''— JK'''

<big>'''Modify it for you circumstances'''</big>

The budget is divided into five sections: variable expenses, fixed expenses, utilities and credit, off budget expenses (user defined) and monthly balance. The monthly balance category shows the entries made for income, dividends and interest income and other income sources. It then shows the entries made in federal, state and social security taxes. The amount spent under the total of budget categories is then deducted from the net income and the amount of money remaining is reported. This screen summarizes total expenses and displays the net results for the month.

Using any financial program takes a bit of experimenting and reading. You have to learn the codes and functions before you can get down to business, and this budget program is no exception.

Because all data entry is directed by prompts, data entry is a snap. All totaling and other operations is done by the program.

Monthly Budget$ Master comes with a lengthy manual that takes the user through each step of the program. Though it has a table of contents, I would like to have seen some sort of index.

This program has a number of things going for it, and one of them is its price. Because the program comes unprotected, the user has the prerogative to modify it to fit his own circumstances. In fact, the manual provides advice for the user who wishes to redefine account names, codes and other items. I think any user will appreciate this kind of flexibility.