money user manual

MoneyUser Manual

A tutorial for Money, an accounting application for small businesses and personal use

...........................................................................................Getting Started 4..................................................................................................................................................................Overview 4

...........................................................................................................................................Installation and Help 5..........................................................................................................Registering Your Money Application 6

.....................................................................................................................................................................Interface 7.........................................................................................................................................................Main Window 9

..........................................................................................................................................................................View 11.......................................................................................................................................................................Menus 12

...........................................................................................................................................................Preferences 16.................................................................................................................................................................Currency 17

........................................................................................................................................................................Labels 18.........................................................................Importing and Exporting 19

...................................................................................................................................................................Formats 19...............................................................................................................................Importing and Exporting 20

................................................................................................................................................Money Database 21..................................................................................................Accounts 22

.........................................................................................................................................Accounts Overview 22......................................................................................................................................................New Account 23

.................................................................................................................................................Editing Accounts 24.......................................................................................................................................................Loan Account 25

..................................................................................................................................................Smart Accounts 26................................................................................................................................Smart Accounts Criteria 27

............................................................................................Transactions 29..................................................................................................................................Transactions Overview 29

................................................................................................................................................New Transaction 30...........................................................................................................................................Transfers and Splits 31

..............................................................................................................................Reconciling a Transaction 32..................................................................................................................................Reconciling an Account 33

....................................................................................................Settings 34......................................................................................................................................................................Payees 34

.........................................................................................................................................................................Banks 35..............................................................................................................................................................Categories 36

....................................................................................................................................................New Category 37................................................................................................................................................................Inventory 38

...........................................................................................................Bills 39.....................................................................................................................................................Bills Overview 39

..................................................................................................................................................................New Bill 40

Money User ManualTable of Contents

....................................................................................................Budgets 41............................................................................................................................................Budgets Overview 41

.........................................................................................................................................................New Budget 42..................................................................................................................................................Budget Monitor 43

....................................................................................................Invoices 44............................................................................................................................................Invoices Overview 44

.........................................................................................................................................................New Invoice 45..................................................................................................................................................Invoice Options 46

................................................................................................................................Invoice Templates Editor 47...............................................................................................................................................Invoice Templates 48.............................................................................................................................................Invoice Text Boxes 49

...................................................................................................................Invoice Templates Preferences 50.............................................................................................Investments 51

...................................................................................................................................Investments Overview 51........................................................................................................................................Investment accounts 52.........................................................................................................................................Investment balances 53

................................................................................................................................................................Securities 54..........................................................................................................................................Portfolio Overview 55.......................................................................................................................................Portfolio Information 56.......................................................................................................................................Portfolio Information 57

.....................................................................................................Reports 58............................................................................................................................................Reports Overview 58

.........................................................................................................................................................New Report 59..................................................................................................................................................Report Options 60

....................................................................................................................................................Smart Reports 61..................................................................................................................................Smart Reports Criteria 62

....................................................................................................Security 64................................................................................................................................................................Password 64

......................................................................................................................................................................Backup 65........................................................................................iPhone Syncing 66

.............................................................................................................................................Money for iPhone 66.....................................................................................................................................................................Syncing 67

...............................................................................................Contact Us 68

Money User ManualTable of Contents

Getting Started

Overview

Welcome to Money! This manual will help you find your way around the Money application. Whether you have just downloaded Money for the first time and are looking for a way to get started, or you have been using the tool for several years but still need some expert tips, this guide will help you make the most of what Money has to offer and turn tedious financial management into a smooth and uncomplicated task. First of all, let’s begin with a few notes about how to use the Money User Manual.

• The Table of Contents page contains a brief overview of the manual’s contents, allowing you to browse through the chapter headings and page numbers. Click on the page number to quickly access a desirable topic.

• Use the search function in your PDF viewer to find a specific topic you would like to learn about, e.g., “budget monitor” or “invoice template.”

• If you are reading this manual in PDF format, you can use the hyperlink function to quickly jump to another section for more information on the topic. To do so, look for underlined phrases and click on them.

Minimum System Requirements• Mac OS X 10.5 Leopard or later • 512 MB of RAM• 39 MB of hard drive space

Note: You must purchase Mac OS X 10.5 Leopard if you are upgrading from an earlier version.

Updating Mac OS X 10.5 to the latest version 1. Choose Apple menu > Software Update. A dialog box appears listing new or updated software available for your computer. 2. Follow the onscreen instructions to update Mac OS X to the latest version.

Money User Manual

Installation and Help

Installing Money:1. Download the Money application from our Web site: http://www.jumsoft.com/money/ .2. Once downloaded, the Money icon will automatically appear on your desktop. 3. Move that icon to your Applications folder. 4. Open your Applications folder and drag the Money icon onto your Dock to keep it there

for easy access. 5. Click the Money icon on your Dock to launch the software.

Help documentation • Quick Start Guide: Click this option to download a short introductory tutorial from our

Web site. This guide is a great starting point for novice Money users; it introduces you to some key terms and the basic features of the application.

• Money Help: Click this option to open Money Help, the built-in documentation of the application. Search for answers to your questions or browse through the different categories for information on every detail of the software. If you prefer a printable version of the documentation, you can download the Money User Manual in PDF format from our Web site: http://www.jumsoft.com/money/ .

Money User Manual Getting Started

http://www.jumsoft.com/money/




Registering Your Money Application

Each time you launch Money in trial mode, you will be encouraged to purchase the full version. Purchasing the Money 3 license allows you to add, and work with, an unlimited number of accounts and transactions and, of course, enables Jumsoft to continue creating great new software for your Mac. If you decide to purchase one or more copies, simply visit our Web store at www.jumsoft.com/store or select Register... from the File menu and click on Buy Money.

If you already have your license code, choose License from the Money menu, click on Enter License, and enter your license code. Click License Now, and you are done. Your Money records will be unaffected.

Note: A license code is the equivalent of a serial number.


Interface

There are several functions of Money that you will be using on a regular basis. They add up to the interface with which you will become most familiar.

Icon Function Description

Transaction Center Displays all transactions you have ever entered, including both income and expenses.

Flagged Displays transactions that you have previously flagged.

Uncategorized Lists all transactions with no category indicated.

Bank Account Displays all transactions to, from, and among your bank accounts as well as their balances.

Cash Account Displays all your transactions performed with cash as well as your cash balance.

Credit Card Account

Displays all your credit card transactions and the balance.

Loan Account Contains information about your loans, such as the amount to be paid, the term, and APR. You can set up regular loan payments, which Money

will enter automatically.

Investment Account Allows you to enter share transactions; you can see the overview of your investment mix in the Portfolio section.

Smart Account Allows you to gather and automatically update information from all other accounts based on the criteria you specify.

Bills Allows you to set up reminders of scheduled or regular payments and enter them automatically.

Invoices Allows you to prepare invoices based on your Inventory and Payee lists. You can choose the invoice design or modify it to meet your needs.

Portfolio Displays an overview of your investment portfolio, the quote history of your securities, historical variations of your portfolio market values, and

information about the major world indices.


Icon Function Description

WebBank Allows you to connect to your online banking account and synchronize its data with Money.

Report Gives you a number of possible ways to analyze your income and spending information by month, by category, by payee, etc.

Budget Allows you to set up budgets for different categories of income and expenses.

Budget Monitor Helps you track progress on your budgets.

Payees Displays a list of all your payees and their contact information.

Banks Displays a list of all your banks and their basic information.

Categories Displays a list of all categories of income and expenses. You can add or remove categories if required.

Inventory Displays a list of your products and their information, e.g., SKU, unit price, and tax.

Add Varies depending on the item selected in the Listbar. For example, in the Accounts list, this button will create a new transaction.

Edit Modifies the selected entry.

Flag Marks the selected entry with a flag symbol indicating its importance.

Duplicate Creates a copy of the selected entry.

Reconcile Reconciles the selected transaction.

Print Opens the Printing Settings sheet.

Preview Provides a preview of the prepared invoice or report.

Email Opens a New Message window of Apple Mail with an invoice or report attached in PDF format.

Refresh Downloads the latest major worldʼs indices information in Portfolio.

Money User Manual

Main Window

Workspace• Displays a list of transactions, a report, a budget, etc., depending on the tool selected• To switch among the List, Grid, or Cover Flow views, select one of the three View buttons

from the bar along the top of the window.• To filter entries by keyword or search for a specific entry, use the Search field next to the

View buttons.• To order entries, click on a column header once or twice, depending on the order desired. • To rearrange columns, drag the column headers left or right. • To adjust the width of the columns, drag the separator line between two headers left or

right.

Library• Allows you to switch between three transaction list modes in the Workspace:

• Transaction Center : Allows you to view a list of all transactions.• Flagged: Shows only transactions that you have previously flagged. • Uncategorized: Lists all transactions with no category indicated.


Settings Listbar Transaction Editor

Library Workspace

Listbar• Displays lists of all main tools found in Money:

• Accounts: Contains a list of all your accounts.• Manage: Contains the Bills, Invoices, Portfolio, and WebBank sections.• Reports: Displays a list of all your reports.• Budgets: Displays a list of all your budgets and Budget Monitor.

• To show or hide the lists, click the disclosure triangles. • To open an item in the Workspace, click on the item in the Listbar. • To open the Action menu, click Ctrl+Left.

Settings• Open the Settings panel by selecting Window > Show Settings or clicking the Show

Settings icon at the bottom of the Listbar. It contains four sections:• Payees: A place to make a list of your payees and specify their contact information.• Banks: A section that includes the basic information about your banks: their names,

routing and transfer codes, and contact information.• Categories: Lets you open the full list of the transaction categories and add, remove, or

modify them.• Inventory: The place where you can create a list of your products with SKUs, brief

descriptions, and item prices.

Transaction Editor• Add, edit, flag, duplicate, and reconcile transactions, print data sheets, and follow your

account balance in the Transaction Editor bar along the bottom of the Workspace.


View

The View buttons in the bar along the top of the Workspace allow you to choose the most convenient way to view your entries in the Workspace:• List View: Displays a standard list of

entries. Available for all types of entries: transactions, budgets, payees, etc.

• Grid View: Shows a grid of the transaction categories with appropriate images illustrating them. Only available for transactions.

• Cover Flow View: Allows visually flipping through snapshots of entries. Available for transactions, bills, and invoices.


Menus

Money Menu

Menu name Action Keyboard Shortcut

About Money Displays the basic information about Money and a link for further information

Preferences Allows modifying various preferences: general, currency, backup, labels, security, invoice, and taxes

⌘,

Check for Updates Searches for available updates and displays them

License Allows entering the license code after purchasing the application

Services Displays a list of various applications and features, e.g., Mail, Skype, TextEdit, etc.

Hide Money Hides Money ⌘H

Hide Others Hides all open applications except Money ⌥⌘H

Show All Shows all open applications

Quit Money Closes Money ⌘Q


File Menu

Menu name Action Keyboard shortcut

New Account Creates a new bank, cash, credit card, investment, or loan account ⇧⌘N

New Smart Account

Creates a new smart account ⌥⇧N

New WebBank Creates a new connection to your online banking account

New Report Creates a new report ⌘R

New Budget Creates a new budget ⇧⌘B

Edit Account Allows changing account type, name, balance, currency, etc. ⇧⌘I

Reconcile Account Allows comparing your records to your bankʼs account statement

Save Saves any unsaved changes ⌘S

Import Imports data from a file on your hard drive

Export Exports data to a file on your hard drive

Backup Performs data backup to your hard drive or MobileMe account

Revert Loads data from a backup file on your hard drive or MobileMe account

Close Window Closes Money ⌘W

Page Setup Customizes specific printer options ⇧⌘P

Print Prints a selected page ⌘P

Money User ManualGetting Started

Edit Menu

Menu name Action Keyboard shortcut

Undo Reverses the effect of the last action made. Choose Undo repeatedly to step back through all changes made.

⌘Z

Redo Brings the undone action back. Choose Redo repeatedly to redo all recent Undos until the Undo list is empty.

⇧⌘Z

Cut Removes the current selection and inserts it in the Clipboard ⌘X

Copy Makes a copy of the current selection for the Clipboard ⌘C

Paste Inserts the contents of the Clipboard at the insertion point ⌘V

Delete Deletes the current selection from your document

Select All Selects all entries in the Workspace ⌘A

Find Allows finding and replacing text in selected entry box

Spelling Opens the spelling and grammar window

Special Characters Opens the special characters window ⌥⌘T

Action Menu


Add Item Varies depending on the item selected in the Listbar. For example, in the Accounts list, this menu item will create a new transaction.

⌘N

Edit Item Modifies the selected entry (transaction, account,etc.) ⌘I

Remove Item Removes the selected entry (transaction, account,etc.) ⌫

Schedule Creates a scheduled transaction from the selected account

Label Assigns a colored label to the selected entry


Window Menu


Minimize Minimizes the Money window ⌘M

Zoom Increases the Money window to the maximum

Hide/Show Accounts List Hides/shows the Listbar on the left

Hide/Show Settings Hides/shows the Settings panel at the bottom of the Listbar

Bring All to Front Brings all Money windows on top of other applicationsʼ windows

Money When checked, puts the main Money window on top of other windows, e.g., Invoice Template Editor

Help Menu

Menu name Action

Search Provides a shortcut to any action in Money. Type a keyword for the action you are looking for, and Search will list all relevant actions.

Money Help Opens Money Help

Quick Start Guide Opens Money Quick Start Guide

License Agreement Displays the license agreement for Money

Release Notes Lists new features for the current and previous versions of Money

Send Feedback Opens a blank e-mail to [email protected]


Preferences

The Preferences sheet can be found by selecting Money > Preferences. It contains seven sections:• General. Here, you can specify the items to be displayed in the Library, manage the lists on

the Listbar, and adjust your settings.• Currency. This section allows you to set the default currency, operational currencies, and

the base currency for exchange rates. You can also set Money to load the current exchange rates each time the application is opened.

• Backup. This allows you to indicate whether your data backup is saved on your hard drive or on MobileMe.

• Labels. You can mark your entries with different colored labels. This Preferences section allows you to edit the names of the labels (the default names are simply the colors of the labels).

• Security. Here, you can set a password to secure your Money database. Every time you start Money, you will be asked to enter the password.

• Invoice. Enter, edit, or delete any information that you want to include in all or most of the invoices you prepare with Money. The options available include your company name, logo, and contact information, among others.

• Taxes. For your convenience, you can set the taxes to be used with your transactions.


Currency

The Currency section in the Preferences sheet gives you options for managing your currencies.

Choosing the default currency1. Select Money > Preferences > Currency.2. Click on the drop-down list of Default Currency.3. Select the appropriate currency. Now the counts and totals will be displayed in this

currency when you work with transactions.

Choosing the operational currencies1. Select Money > Preferences > Currency.2. Check the appropriate currencies in the Currency list. Now you will be able to assign any

of the chosen currencies to your accounts and transactions.

Options for inserting currency exchange rates• Entering manually:

1. Select Money > Preferences > Currency. 2. Double click directly on a currency in the table or select a currency and press the

Update Rate button. The Currency Exchange Rate sheet will appear. 3. Check the currency you need to convert to and enter the rate.

• Downloading:1. Select Money > Preferences > Currency. 2. Select the base currency for the exchange rates. 3. Click the “-” button at the bottom of the Currency window to uncheck all the

currencies in the table. 4. Check the currency exchange rates you need. 5. Press the Download button at the bottom of the Currency window, and the exchange

rates will be displayed automatically in a few seconds.

Note: If there are no currency exchange rates indicated in the Currency Exchange Rate table, all the counts in Money are displayed using the default currency, regardless of which currency you use when adding a transaction.

If you want Money to update the exchange rates of the operational currencies every time you open the application, check the Download at Startup box.


Labels

Money features a system of colorful labels to facilitate categorization and working with all entries you may have in any given section of the application. You can attach a label color to any entry. For example, red might indicate a very important entry or a group of entries, and gray could signal those of low significance.

Attaching a label1. Select the entry you want to mark.2. Select Action > Label.3. Choose the appropriate color.

To change the names of the colored labels, select Money > Preferences > Labels. The default names are the names of the label colors.


Importing and Exporting

Formats

If you are switching from another accounting application, you are never isolated with Money. The application is based on standards and supports QIF, OFX, QFX, and CSV data files, allowing you to import your financial data from other applications or Internet banking accounts. Money files can be exported to QIF and CSV.

Open Financial Exchange (OFX) and Quicken Financial Exchange (QFX)Many online checking and credit card institutions support the Open Financial Exchange, or OFX, statement file format. Some banks provide statements in the QFX file format, which is closely related to OFX. Money can import basic transaction lists from statements in both formats.

Comma-Separated Values (CSV) Online banks may make your transaction history available in a common text format, CSV (comma-separated values). The format separates data into fields representing a bit of information about each transaction, such as the amount or a check number. The order of the fields should be consistent throughout the file. These files can be viewed and edited in Numbers and Excel.

Quicken Interchange Format (QIF) A number of accounting applications and many online banks provide easy access to your financial information using a standard file format called Quicken Interchange Format, or QIF. Money lets you import these QIF files with ease by providing several options for working with the many variations this format allows.

Money User Manual

Importing and Exporting

Importing data from your hard drive1. Select File > Import.2. Choose a data file on your computer and click Open.

Importing data from your Internet banking account1. Select File > New WebBank or open the Action menu and choose New WebBank.2. Enter the WebBank name and the URL of your bank’s Web site.3. Your bank’s Web site will appear in the Workspace. Follow the usual routine to access

your bank account online. You will be asked to enter your username and password.4. Once you are in your online bank account, save the account statement in one of the

available formats. After downloading the data file, you will be asked if you want to import the downloaded file into Money.

5. You will be able to use the WebBank you have created on a regular basis, as it will stay in the Manage List of the Listbar.

Transactions are downloaded using QIF, OFX, QFX, and CSV formats, which are not supported by all financial institutions (and some banks may charge a fee for this service). Please be aware that Jumsoft does not guarantee online access for all accounts.

Exporting data to QIF or CSV1. Select File > Export.2. Select the file format.3. Choose a location on your computer, a file name, and a date format.4. Click Export.

Note: Exported data is not the same as a data backup. To restore Money to a particular moment in time, you need to have performed an account backup and follow the backup with an account revert.

Money User ManualImporting and Exporting

Money Database

If, for some reason, you would like to access your Money database, it is located at your Home Library > Application Support > Jumsoft > Money.

When you get a new Mac and wish to move your Money database from the old one to the new one, simply transfer the entire Library or copy the Jumsoft folder to the Application Support folder in the Home Library of your new Mac.

Money User ManualImporting and Exporting

Accounts

Accounts Overview

Accounts in Money mirror your real-life financial accounts and are not limited to banking. You can create separate accounts for your cash, investment, and even loan accounts. They are the first thing you need to set up in Money to start using the application.

All of your accounts are kept in the top half of the Listbar. You can either keep them hidden under the “Accounts” name or press the disclosure triangle to see the full list.

Basic types of accounts• Bank: Displays all transactions to, from, and

among your bank accounts.• Cash: Tracks your spending in cash when

you take cash out of an account (e.g., an ATM withdrawal), make an appropriate transaction (transfer) from the bank to the cash account.

• Credit card: Displays charges made against your credit account.

• Investment: Displays your security-related transactions and reflects your brokerage account. Portfolio provides summary information about your holdings across all investment accounts, as well as gain/loss totals.

• Loan: Displays loans for which you maintain a payment schedule.

There is also a sixth type of account called Smart Account. It allows you to gather and automatically update information from all other accounts based on the criteria you specify.

You can set up as many accounts of each type as you wish, as long as you name them appropriately to avoid confusion. For example, if you have bank accounts with Citi and JP Morgan, it would make sense to create two separate bank accounts in Money and name them using the bank names. In addition, if you have cash in several currencies, you can set up different cash accounts and name them “Cash USD,” “Cash EUR,” “Cash GBP,” etc.

Money User Manual

New Account

Opening the New Account sheet• Select File > New Account• Ctrl+Left click on the Listbar > New

Account• Click the “+” button at the bottom of the

Listbar New Account options• Account type: Bank, Cash, Credit Card,

Investment, or Loan.• Account name• Bank name: Name of the bank where you

keep this Money account (if relevant). If your bank is not in the list, type its name, and it will be added to the list of banks.

• Account number: Number of the bank account where you keep the funds of this Money account.

• Starting balance: Balance of the account at the time you start tracking it with Money.

• Currency: The currency which Money will use for all transactions of the account. Click on the drop-down menu to choose it from a set of operational currencies. You can configure the set in Money > Preferences > Currency.

• Closed Account: Check the box if you are no longer using the account. The account will still be available in the Accounts section of the Listbar, but its icon will be grayed-out.

• Password: Type the optional password to protect the account so that no other user of your Mac is able to view it.

• Comments: Important notes for your account.

When the account is created, it appears in the Account section of the Listbar. You can select it and start adding transactions.

Money User ManualAccounts

Editing Accounts

Changing account settings1. Select the account whose settings you want to change.2. Open the Account Action menu and select Edit Account.3. Change any settings as necessary. 4. Click OK to apply and save your changes.

Deleting an account1. Select the account that you wish to delete.2. Open the Account Action menu and select Delete Account.3. If you have deleted an account accidentally, choose Edit > Undo.

If you do not use an account anymore but still want to keep it as an archive, you may choose to make it a closed account. Just check the Closed Account box in the Edit Account sheet. The account will then be displayed separately in the Closed Accounts list of the Listbar. You will also have the option to exclude it from reports and smart accounts.


Loan Account

Creating a loan account 1. Add a new account and choose the Loan

type. 2. Configure the standard account options

and save the account.

Configuring loan options1. Select your loan account and open

Action > Add Loan or click the “+” button in the Transaction Editor.

2. Configure the following options to match the details of your loan:• Loan name: You might choose the

purpose of your loan or the institution administering the loan as the loan name.

• Type: By default, withdrawal.• Account to use: The account that will

be used to make payments.• Date: The starting date for payments.• Category: The category of the expense

that is financed by the loan.• Amount: Total amount of money

originally borrowed from the financial institution.

• APR: Annual interest rate in percentage. Note: Money supports only fixed interest rates.

• Term: The term of the loan payments.• Payment frequency: How often

payment is required on the loan.3. Check the Pay Automatically box if you

want Money to make regular transactions.

When you select the loan account in the Listbar, a list of all your loans appears in the Workspace and displays the following for each:• Name• Number• Start date• Next date of payment• Payee (if you indicate it when configuring

the loan options)• Transaction: Withdrawal from the selected

account• Payment amount (interest included)• Number of payments left• Total amount remaining• Total amount paid


Smart Accounts

When working with a number of different accounts, you may wish to organize and access transactions that exist in more than one account. Smart Account allows you to gather and automatically update information from all other accounts based on the criteria you specify.

Creating a Smart Account1. Select File > New Smart Account or open the Action menu and choose New Smart

Account.2. Choose a name for the account.3. Choose the criterion upon which transactions should be selected, e.g., account type,

name, transaction category, date, etc. To use more than one criterion, click the “+” button.The selection of criteria is presented in the following way:

“Any/All/None” of the following are true:“Variable 1” “Variable 2” “Variable 3 (if required)” [field to enter a keyword]

Anytime you select the Smart Account, you will automatically be shown updated information based on the criteria you have chosen. To change the criteria of a Smart Account, open the Action menu and select Edit Smart Account.


Smart Accounts Criteria

Variable 1 Variable 2 Variable 3 (if required)

Account Bank Name/Number/Routing Code/Transfer Code/Address/Website/Comments

contains/begins with/ends with/is/is not

Account Currency is/is not

Account Comments contains/begins with/ends with/is/is not

Account Name contains/begins with/ends with/is/is not

Account Number contains/begins with/ends with/is/is not

Account Starting Balance is/is not/is less than/is greater than/is less than or equal to/is greater than or equal to

Account Status is/is not closed

Account Type is/is not Bank/Cash/Credit Card/Investment/Loan

Transaction Date is/is not/is after/is before/is in the last

Transaction Comments contains/begins with/ends with/is/is not

Transaction Number contains/begins with/ends with/is/is not

Transaction Status is/is not Uncleared/Cleared/Reconciled

Transaction Type is/is not Withdrawal/Deposit/Transfer/Dividend/Buy/Sell

Transaction Total Amount is/is not/is less than/is greater than/is less than or equal to/is greater than or equal to

Transaction Is Scheduled

Transaction Is Transferred to

[a list of your accounts]

Transaction Category Name/Subname/Comments contains/begins with/ends with/is/is not



Transaction Payee First Name/Last Name/Company/Address/Phone/Email/Comments


Transaction Security Name/Symbol/Comments contains/begins with/ends with/is/is not

Examples of Smart Accounts Criteria

Intro Var 1 Var 2 Var 3 Keyword Results

Any of the following are true

Account Bank

Name is AnyBank The smart account will contain only the entries from accounts with AnyBank or

SomeBank assigned as their banks. “Any” implies that entries corresponding to at least one of the listed criteria will

be included.

Any of the following are true

Account Bank

Name is SomeBank

The smart account will contain only the entries from accounts with AnyBank or

SomeBank assigned as their banks. “Any” implies that entries corresponding to at least one of the listed criteria will

be included.

All of the following are true

Transaction Payee

Name begins with

A The smart account will contain only the transactions that happened after June 26, 2008, and included a payee whose name begins with A. “All” implies that only entries corresponding to all listed

criteria will be included.

All of the following are true

Transaction Date

is after 6/26/2008

The smart account will contain only the transactions that happened after June 26, 2008, and included a payee whose name begins with A. “All” implies that only entries corresponding to all listed


None of the following are true

Transaction Category

contains Food The smart account will include all entries except the ones with a category

name that contains “Food”.

Money User ManualReports

Transactions

Transactions Overview

Transactions is the most important Money function. Transactions reflect your real-life income and spending, and it changes the balances of your accounts.

Money features three types of transactions: • Deposits: money is added to the account. • Withdrawals: money leaves the account. • Transfers: money is transferred from one account to another.

To switch among the List, Grid, or Cover Flow views of transactions, select one of the three View buttons from the bar along the top of the window.

To filter transactions by keyword or search for a specific transaction, use the Search field next to the View buttons.

To mark a transaction with a flag symbol, select it in the Workspace and click the Flag button in the Transaction Editor.

Money User Manual

New Transaction

Adding a transaction1. Select the appropriate account from the

Account list. 2. Click the Add button in the Transaction

Editor or select Action menu >Add Transaction.

3. Enter the transaction information in the New Transaction sheet:• Type: Withdrawal, deposit, or transfer.• Reconciled Transaction: Check the box

if you have compared the transaction with the bank statement, and it matches.

• Date• Category: Choose one of the existing

categories or type a new one.• Split: If your transaction involves more

than one category, select Split and add as many categories as you need, using the “+” button.

• Amount: Type the amount and select one of the operational currencies. If you do not change the currency, the default will be used.

• Payee: Choose one of the existing payees or type a new one.

• Number: The check number if you paid by check.

• Comment4. Click OK to save the transaction.

The transaction is now listed in the account you chose. Note that the account balance has changed.

Editing a transaction1. Double click the transaction you want to

edit or select Action menu > Edit Transaction.

2. Make the desired changes to the information displayed and click OK.

Deleting a transaction 1. Select the transaction you want to delete

in the Workspace.2. Press the Delete key or select Action >

Remove Transaction.

Moving a transaction to another account1. Select the transaction in the Workspace.2. Drag it onto the appropriate account

icon in the Listbar.

Money User ManualTransactions

Transfers and Splits

Money allows you to transfer funds between accounts, creating transactions in two different accounts that Money knows are related. When a transfer is created from an account, a corresponding entry is automatically created in the selected destination account. Likewise, changes to a transfer transaction in one account are automatically applied to the corresponding entry in the other account.

Adding a transfer1. Select the appropriate account in the

Listbar.2. Add a new transaction by clicking the

Add button in the Transaction Editor or selecting Action menu > Add Transaction.

3. Choose “Transfer” as the transaction type.

4. Enter the usual transaction information and choose the transfer destination account.

When the selected transfer origin and destination accounts have different currencies, Money performs the exchange automatically, using the latest rate in the Money > Preferences > Currency exchange rate table.

In certain situations, you may wish to account for multiple categories of cash flow in a single transaction. Money refers to this function as a split. After you enter the amounts for the different categories in the split, the sum of them becomes the total amount for that transaction.

You can select Split when creating a new transaction and add as many categories as you need, using the “+” button.


Reconciling a Transaction

If you are in the habit of comparing your records with those of your bank on a regular basis, Money makes it easy to track the monthly statements your bank sends in the mail.

Transaction status• Uncleared: The transaction is added to the account without

any official confirmation of it.• Cleared: The transaction has indeed occurred, and you are

sure that it was not contrived.• Reconciled: The transaction has been compared to and

matches the bank statement. It is the final status that marks a secure transaction.

Reconciling a new transaction1. Add a new transaction.2. When entering the transaction information, check the

Reconciled Transaction box.

Reconciling an existing transaction1. Open the Transaction Center in the Workspace. Note the

checkbox column next to the total amount column. 2. If you click a checkbox once, a dot appears, indicating a

cleared transaction. If you click twice, a tick appears, indicating a reconciled transaction. An empty checkbox indicates an uncleared status.


Reconciling an Account

Reconciling an account1. Select the appropriate account.2. Select File > Reconcile Account. The Reconcile Account sheet appears.3. Check the boxes for transactions that are reconciled.4. At the bottom of the screen, you can compare the following:

• Previous statement balance: Shows the last amount of the account balance that was reconciled.

• Current statement balance: Shows the current reconciled amount of the account balance. Updated automatically after you check the appropriate transaction.

• Outstanding balance: Shows the current outstanding amount of the account balance and is also updated automatically after you check the appropriate transaction.


SettingsPayees

A payee is a company or a person to whom you pay money. The Payees list allows you to add, edit or remove payees.

Adding a payee1. Open the New Transaction sheet.2. Type a new payee in the Payee field

when configuring the transaction settings.3. The company or person will be

automatically added to the list of payees.or1. Open the Settings panel.2. Select the Payees icon that appears. The

list of all available payees will appear in the Workspace.

3. Click the Add button or select Action > Add Payee. The New Payee sheet will appear.

4. Enter the payee’s first and last names.5. If the payee is a company, check the “Is a

Company” box.6. Enter other optional information:

• Address• Phone• E-mail• Comments

Editing a payee 1. Select the payee you want to modify in

the Workspace. 2. To open the Edit Payee sheet, choose

Ctrl+Left > Edit Payee or select Edit in the Transaction Editor.

3. Change the settings and click OK when you finish.

Deleting a payee 1. Select the payee you want to delete in

the Workspace.2. Press the Delete key or select Action >

Remove Payee.

Money User Manual

Banks

Most probably, the majority of your real-life accounts are in banks. You can create a convenient list of your banks in Money.

Adding a bank1. Open the New Account sheet.2. Type a new bank in the Bank field when

configuring the account settings.3. The bank will be automatically added to

the list of banks.or1. Open the Settings panel.2. Select the Banks icon that appears. The

list of all available banks will appear in the Workspace.

3. Click the Add button or select Action > Add Bank. The New Bank sheet will appear.

4. Type the name of the bank.5. Enter other optional information:

• Bank Number: The national bank code.• Routing Code: The international unique

identification code, also known as Swift code.

• Transfer Code: Used for transfers within the European Union.

• Address: The physical address of the bank.

• Web Site: The bank’s Web site address.• Comments.

Editing a bank 1. Select the bank you want to modify in

the Workspace. 2. To open the Edit Bank sheet, choose Ctrl

+Left > Edit Bank or select Edit in the Transaction Editor.


Deleting a bank 1. Select the bank you want to delete in the

Workspace.2. Press the Delete key or select Action >

Remove Bank.

Money User ManualSettings

Categories

The transaction category defines a class of spending or income. Money has many built-in categories, and it is very important that you assign a category for every transaction. With the help of categories, you can view reports and graphs concerning your spending and income. Your budgets are also based on categories.

Two main types of categories• Income: includes salary, bonuses, dividends, interest income, allowances, etc.• Expenses: includes food, rent, travel, clothing, entertainment, etc.

Options for viewing your categories• Click “Categories” in the Settings panel. A full list of categories will appear in the

Workspace. • Choose one of your accounts and select the Grid View button from the bar along the top

of the window. A gallery of illustrated categories for that account will appear in the Workspace.


New Category

Adding a category1. Open the New Transaction sheet.2. Type a new category (and a subcategory

if required) in the Category field when configuring the transaction settings.

3. The category (and a subcategory if required) will be automatically added to the list of categories.

or1. Open the Settings panel.2. Select the Categories icon that appears.

The list of all available categories will appear in the Workspace.

3. Click the Add button or select Action > Add Category. The New Category sheet will appear.

4. Type a name for your category and, if required, a name for the subcategory and code. A subcategory is used when you wish to describe a transaction more accurately, e.g., your spending categorized as “Automobile” might have subcategories like oil, gas, new wheel, or new engine.

5. You can drag pictures from Finder onto the Grid Icon field to illustrate each category in the Grid View of transactions.

6. Use the Comments field if you want to describe the category.

7. Click OK.

Editing a category 1. Select the category you want to modify

in the Workspace. 2. To open the Edit Category sheet, choose

Ctrl+Left > Edit Category, or select Edit in the Transaction Editor.


Deleting a category 1. Select the category you want to delete in

the Workspace.2. Press the Delete key or select Action >

Remove Category.


Inventory

Money gives you an option of setting up a detailed list of your products as Inventory. Inventory allows you to follow your stock on-hand and the sale of products. If you have Inventory created, it is easier to generate a new invoice because it is based on the Inventory feature.

Creating Inventory1. Open the Settings panel.2. Select the Inventory icon that appears. 3. Click the Add button or select Action >

Add Item. The New Item sheet will appear.

4. Enter the Inventory item information:• Stock-Keeping Unit (SKU): A unique

identifier of the item.• Item: The item name.• Description: Description of the item.• Tax: The percentage of tax applicable

for selling the item. Use only the integer of the percentage, e.g., 18 or 33. Do not use the “%” symbol.

• Unit Price: Price of the item unit without any currency symbols. Money will use the default currency that you have chosen in Money > Preferences > Currency.

5. Click OK, and the item will appear in the Inventory list in the Workspace.

6. Repeat steps 3-5 until you have your full assortment covered.

Editing Inventory1. Select the Inventory icon in the Settings

panel.2. Select the item you want to edit.3. Select Action > Edit Item or Edit in the

Transaction Editor. 4. Change the item information and click

OK when you finish.

Deleting an Inventory item1. Select the item you want to delete.2. Press the Delete key or select Action >

Remove Item.


Bills

Bills Overview

Some transactions occur more than once. Money can automatically generate transactions each time they occur to save you time and effort. In Money, this function is called Bills.

Money displays the next occurrence of the transaction in the Bills view of the Workspace.

Differences between a bill and an ordinary transaction• Bills contain information to tell Money when and how often it should generate the

recurring transaction. • With Bills, transactions can be generated automatically by Money if you check the Pay

Automatically box when creating a new bill. If you choose to create the transactions by yourself but forget to do it, Money displays a red alert sign in the Next Date field of the bill.

Options for bill frequency• One time• Every day• Every week• Every two weeks

Money User Manual

• Every four weeks• Monthly• Every two months• Quarterly

• Every six months• Annually

New Bill

Creating a new scheduled transaction1. Select the Bills icon in the Listbar.2. Click the Add button or select Action

menu > New Scheduled Transaction. A setup sheet appears.

3. Enter the transaction information:• Type: Withdrawal, deposit, or transfer.• Account: Account from/to which the

transaction should be made.• Category: Choose one of the existing

categories or type a new one.• Split: Select if your bill involves more

than one category.• Amount: Type the amount and select

one of the operational currencies. If you do not change the currency, the default will be used.

• Frequency: The transaction frequency.• Next Date: Next date the transaction

should occur.• Continuous/Numbered: If the

transaction is continuous, select the Continuous button. If a specific number of payments should be made, select Numbered and indicate this number.

• Pay Automatically: Check if you want Money to enter the payment automatically.

• Payee: Choose one of the existing payees or type a new one.

• Number: The check number if you pay by check.

• Comment

Scheduling an existing transaction1. Select the appropriate transaction.2. Select Action > Schedule. A setup sheet

appears.3. Enter the transaction information:

• Frequency• Next Date• Continuous/Numbered• Pay Automatically

or1. Select the appropriate transaction. 2. Drag the transaction onto the Bills icon

in the Listbar. A setup sheet appears.3. Enter the transaction information.

Deleting a scheduled transaction 1. Select the transaction you want to

delete.2. Press the Delete key or select Action >

Remove Transaction.

Money User ManualBills

Budgets

Budgets Overview

Budgets can be set up in Money to help you keep track of your spending habits. Money allows you to create multiple budgets so that you can, for example, track both a household and a personal budget at the same time. A budget in Money consists of two main parts: permanent income and permanent expenses. Budgeting is based on categories, so the key to budgeting effectively is to assign appropriate categories to each of your transactions.

Each budget you create is saved and displayed under the Budgets item in the Manage section of the Listbar. To see the Budget Monitor and a list of all the budgets you have set up, click the disclosure triangle next to the Budgets icon. Select the budget you wish to view.

Options for budget frequency• Daily• Weekly• Bi-weekly• Monthly

Money User Manual

• Two months• Quarterly• Four months• Six months

• Nine months• Annually• One time

New Budget

Adding a budget1. Select File >New Budget or open the

Action menu >New Budget. Enter the name of the budget and click OK. The empty list of Incomes and Expenses will appear.

2. Click the “Add” button or Action >Add Budget Item. A set-up sheet entitled New Budget Item will appear.

3. Choose Income or Expense.4. Select the frequency of the income or

expense.5. Enter the limited sum that you are

planning to receive or to spend.6. Click OK, and a new record will appear in

the Budget view of the Workspace.

Editing a budget1. Select the budget you want to edit or

select Action menu > Edit Transaction.2. To edit the records, click on the double-

arrows of the Category and Frequency fields, or double click on the Limit field.

To change the name of the budget, double click on it in the Listbar.

Deleting a budget record1. Select the record you want to delete.2. Press Delete or click Action >Remove

Income/Expense.or1. Select the budget with the record you

want to delete.2. Press Delete to remove the first record

of the budget.

Deleting a budget1. Select the budget you want to delete.2. Click Action > Delete Budget.

Money User ManualBudgets

Budget Monitor

Once you have finished setting up a budget (or several), continue adding and categorizing transactions in your accounts so that Money can track your financial activity. Use the Budget Monitor window to check your progress against your budgets.

Working with Budget Monitor1. Click the Budget Monitor icon in the

Budgets section of the Listbar. A summary of all budgets appears in the Workspace.

2. Choose the parts of a budget you want to follow–all, income, or expenses–at the top of the Workspace.

3. Click the Show button at the bottom of the window and choose a time period to view.

4. By default, Budget Monitor displays all budgets. Click the Budget button to select a specific budget to be shown or select all.

Columns displayed for each budget• Category: The name of the budget

category. • Income/Expenses: Displays a colored bar

to represent the proportion of actual vs. budgeted expenditures in that category.

• Actual: The total amount of all transactions assigned to the category (across all accounts) during the time period specified.

• Budgeted: The amount budgeted for the category during the time period specified.

The summary section at the bottom displays two colored bars. The top bar represents the proportion of actual earnings for all income categories to the total budgeted income. The bottom one represents the proportion of actual spending for all expense categories to the total budgeted expenses. Budgeted and actual amounts are displayed at the right side of each bar.

Income:Red - under budget

Yellow - close to budget

Green - at/over budget

Expenses:Green - under budget

Yellow - close to budget

Red - at/over

budget

Money User ManualBudgets

Invoices

Invoices Overview

Money provides a method for preparing invoices effortlessly. The function is based on the Inventory feature in Money and covers the products, quantities, and agreed-upon prices for products or services you provide to your clients. You can use five default styles of invoices or create new ones and save them as templates with Invoice Template Editor. Invoices are linked with Money Preferences, so you can avoid adding the same information in every invoice by setting up your basic information in Preferences.

Setting up your invoice information in Preferences1. Select Money > Preferences > Invoice. The set-up sheet will appear.2. Enter the start number for your first invoice; numbering of all subsequent invoices will be

automatic.3. Enter the following information: the name of your company, your name and surname,

address of your company, phone number, e-mail, and the company’s Web site address.4. Drag and drop your company’s logo in the Logo drop zone.

Money User Manual

New Invoice

Creating an invoice1. Select the Invoice icon in the Listbar.2. Click Add or select Action > Add Invoice. 3. Enter a number for your invoice or leave

the default number that you have indicated in the Preferences window.

4. Select the sending date when your invoice is to be sent or leave the default.

5. Choose the due date, which the buyer needs to understand the terms of payment.

6. Select one of your accounts. A new record will appear automatically.

7. Enter or select your buyer from the Bill To menu.

8. Select one of four statuses for your invoice:• Uninvoiced: The invoice has been

prepared but not yet sent out.• Invoiced: The invoice has been sent out

but not yet paid.• Paid: The invoice is paid in full.• Overdue: The due date has passed,

although the invoice was sent on time.

9. Add an Item from your Inventory: i) Click the plus (“+”) button in the

New Invoice sheet and enter or select the stock-keeping unit (SKU). All other cells will be filled in automatically. Alternatively, you can enter the Quantity, Item, Tax, and Unit Price manually by double-clicking the appropriate fields.

ii) After the above-mentioned records are entered, the values of Subtotal, Tax/VAT, and Total are computed and displayed automatically.

10.If there is some additional tax, check the Tax 2 box and enter the percentage using the integer only (no symbols such as %).

11.If you are giving your buyer a discount, check the Discount box and enter the discount percentage in the “%” field or the discount amount in the Amount field.

12.If required, enter a comment.13.Click OK, and the entry will appear in

the Invoices list.

Money User ManualInvoices

Invoice Options

Invoice options• Choose a style for an invoice:

1. Click the Cover Flow View button in the bar at the top of the Workspace. 2. The Style icon appears in the Transaction Editor. Choose the style you prefer.

• Mark invoices with seven colored labels by selecting Action > Label. • Save an invoice in various formats:

1. Click Preview in the Transaction Editor. The invoice preview will appear.2. Select File > Save As... 3. Enter the name of an invoice, select the folder in which you want to save it and the

relevant format, and click Save.• Print an invoice by clicking the Print icon in the Transaction Editor or selecting File > Print

in the Preview mode.• E-mail an invoice by clicking the E-mail button in the Transaction Editor.

Editing an invoice1. Select the invoice and press Edit in the Transaction Editor or select Action > Edit Invoice.2. Change the appropriate information.

Deleting an invoice1. Select the invoice you want to delete.2. Press Delete or select Action > Remove Invoice.


Invoice Templates Editor

Money gives you the option of creating invoices and saving them as templates. You are able to insert records and change default fonts, colors, paper sizes, table styles, and more to meet your needs. It allows you to prepare invoices effortlessly, to adapt them to your own style, and use any of them as a template for future invoices.

Opening Invoice Templates Editor1. Select Invoices in the Listbar.2. Click the Layouts icon in the Transaction Editor. Invoice Template Editor will appear.


Invoice Templates

Creating an invoice template1. Open Invoice Templates Editor.2. Click the Add New button in the top left

corner of the window, and a new template will appear.

3. Enter the name of your invoice template in the Name field on the right.

4. Choose an effect for the invoice background:• None: Leave this option checked if you

do not need a background. • Color: A new box appears. Double

click on the box, and the default Apple Color sheet will appear. Choose the color for the invoice background.

• Gradient: Two boxes and a double arrow appear. Double click on the boxes to choose the colors. To change the direction of a linear gradient, use the Angle wheel or field.

• Image: A new box and two additional options appear. Double click on the box and choose the picture from your computer. Click Open and the picture will be inserted in your document. Select the position of your picture in the invoice: Center, Scale to Fit, Scale to Fit Inside, or Stretch to Fit.

5. Drag and drop the information buttons on the right onto the invoice page. Text boxes will appear, replacing the dragged elements. Arrange the boxes on the page appropriately. Double click on a specific text box to insert text.

6. To add additional text boxes, click on the Text Box icon at the bottom of the window and add additional information to your invoice, e.g., the slogan of your company.

7. To add shapes, click on Shapes and place the inserted shape anywhere on the page.

8. To change the color of a default shape, mark the shape and click on Colors. The default Apple Color sheet will appear. Choose a color for the shape.

9. To change the default fonts, click on Fonts. The default Apple Fonts sheet will appear. Edit the text of your invoice.


Invoice Text Boxes

Text Boxes Options• Your Info/Your Logo: This information will

be taken from Preferences, so you should first enter it there. Your Info consists of five items: your first name, your last name, your company name, your phone number, and your e-mail. You are able to delete one or more items, e.g., your phone number, and it will not be included in your future invoices created with this template.

Note: To delete one item, you should delete the whole line, e.g. [YOUR PHONE]. • Client Info: This information will be taken

from the Payees list after you specify the payee in your invoice. Client Info consists of five items: first name, last name, company name, phone number, and e-mail. You are also able to delete one or more items, e.g., client’s phone, and it will not be included in your future invoices using this template.

Note: to delete one item, you should delete the whole line, e.g. [PHONE]. • Invoice Items: This field consists of five

items: Description, Quantity, Tax, Unit Price, and Cost. To remove one or more items, select the text box, and the item list will appear below the Style field on the right. Uncheck the appropriate item, e.g. and it will not be included in future invoices created with this template.

• Total Cost: This field consists of five items: Subtotal, Tax, Tax 2, Discount, and Total. To remove one or more items, mark the text box, and the list of items will appear below the Style field on the right. Uncheck the appropriate item, e.g., Tax 2, and it will not be included in your future invoices created with this template.

• Invoice Items/Total Cost: When creating these tables, you have five different styles to choose from. You can, for example, remove the borders from the tables (Style 1) or add a line above a table (Style 3). Try each style and choose the one you prefer.


Invoice Templates Preferences

Editing the invoice page1. Open Invoice Templates Editor.2. Select File > Page Setup. A new sheet will appear.3. Choose the page format for Any Printer or edit Print and Fax Preferences.4. If you choose the Any Printer format, you will have 14 paper sizes to choose from: US

Letter, US Legal, A4, A5, ROC 16K, JB5, B5, #10 Envelope, DL Envelope, Choukei 3 Envelope, Tabloid, A3, Tabloid Extra, and Super B/A3. If none of them suits your needs, choose Manage Custom Sizes and enter the width and height of the invoice page.

5. Choose the appropriate paper orientation for the invoice – portrait or landscape.6. You can also edit the scale of the invoice page; the default scale is 100.

Duplicating an invoice template1. Select the template you want to duplicate if you need to prepare another very similar

template with minor changes.2. Click the Duplicate button in the top left corner of the window.

Deleting an invoice template1. Select the template you want to delete.2. Click the Delete button in the top left corner of the window.


Investments

Investments Overview

Money can be used to track activity in your investment accounts (like individual retirement accounts, simplified employee pension plans, etc.). There are two main components that work together to help you track investments in Money: • Investment accounts: Designed to reflect your real-life brokerage accounts, this is the place

where you enter information about the securities you own. In order to enter your securities, you must first create an investment account. Even if you do not maintain a brokerage account in real life, you must create a “virtual” brokerage account in Money to enter the securities.

• Portfolio: Provides a quick summary of your gains and losses, the present and historical value of your holdings, as well as a place to track stock indices.

Money User Manual

Investment accounts

Creating an investment account1. Add a new account and choose the

Investment type. 2. Configure the standard account options

and save the account.

Adding an investment transaction1. Select your investment account and open

Action > Add Transaction or click the “+” button in the Transaction Editor.

2. Configure the following options to match the details of your investment transaction:• Type: In addition to the usual

withdrawal, deposit, and transfer types, investment transactions have three other types: dividend, buy, and sell.

• Account to use: By default, the investment account.

• Date: Date of the transaction.• Category: Investment categories come

from the same selection as the usual ones. Create new categories if required.

• Security: Symbol of the security Is usually 1 to 5 letters, used to identify the security on an exchange.

• Shares: Number of shares.• Price: Price per share.• Commission: The amount of

commission paid or earned.

Editing an investment account1. Select the account you want to edit or

select Action menu > Edit Account.2. The account info sheet will appear, and

you can edit details for the account.

Deleting an investment account1. Select the account you wish to delete.2. Open the Account Action menu and

select Delete Account. Any transfers in the account will be deleted, but the transactions in other accounts to which those transfers are connected will remain.

3. If you have deleted an account accidentally, choose Edit > Undo.

Money User ManualInvestments

Investment balances

When dealing with investment accounts, you need to be aware of the following two balances.

• Cash value: Reflects the amount of cash in your brokerage account. In most cases, cash is not actually held in your brokerage account for long. It is either spent to purchase securities or transferred into your bank account. Therefore, you must track each of these transactions to keep the balance accurate. The cash value of your investment account is displayed as Total in the transaction view. Destination accounts have different currencies, and Money performs the exchange automatically using the latest rate in the Money > Preferences > Currency exchange rate table.

• Market value: Reflects the approximate worth of your portfolio, based on quotes for all the securities you are currently holding. The market value of your investment account is displayed in the summary table of Portfolio.


Securities

To track securities that you own, you must first create an investment account and then add several investment transactions to record the purchase of those securities. You can then monitor the performance of your holdings using Portfolio. You can also add securities you do not own but want to keep on a watch list to follow its quotes. Both types of securities are displayed in the main table of Portfolio. Three sample securities are displayed in the main table of Portfolio when you open it for the first time: YHOO, AAPL, and AMZN.

Adding a security you own1. Select Portfolio and open Action > Add Security or click the “+” button in the Transaction

Editor.2. Enter the security’s name, symbol, and quote. Make sure the symbol is correct. or1. Select your investment account and open Action > Add Transaction or click the “+”

button in the Transaction Editor.2. When entering the transaction information, enter the symbol of the new security in the

Security field. The new security will automatically appear in the main Portfolio table, but you will have to enter its full name later.

Adding a security for quote following1. Select Portfolio and open Action > Add Security or click the “+” button in the Transaction

Editor.2. Enter the security’s name, symbol, and quote. Make sure the symbol is correct. 3. As you do not own the security, Cost, Shares, Day Change, Market Value, and Gain/Loss

fields will contain the number 0.00.

Editing security information1. Double click on the security or select it in Portfolio and click the Edit button in the

Transaction Editor.2. Edit the appropriate information.

Deleting a security1. Select the security in Portfolio.2. Press Delete or select Action > Remove Security.


Portfolio Overview

Portfolio works with your investment accounts to provide summary information about the securities you own. You can use Portfolio to download quotes, view gains and losses, chart the performance of your securities over time, and track major stock indices. To view your Portfolio, select the Portfolio icon in the Listbar. Any securities associated with your investment transactions or entered directly into Portfolio will appear in the main table of Portfolio.

The main page of Portfolio includes:• The main table listing your shares and information about them• Variations of Portfolio market values• A graph of a selected security's quote history• Major world indices' information

Portfolio calculates securities’ values using information from the investment accounts. If, for instance, you add transactions (buy 9 AAPL shares and sell 4 AAPL shares) to an investment account, Portfolio shows that you own 5 AAPL shares and displays their cost value.

In the center of the Transaction Editor, Portfolio displays two basic values of your holdings: • Total Cost: The cost basis, calculated from the price and commission entered for all

relevant transactions associated with your securities. • Market Value: The current estimated value of your holdings, equal to the quote multiplied

by the number of shares.


Portfolio Information

Current performance of a securityThe main table of Portfolio contains several columns displaying the following information about each security. • Name: The security name. Double click to edit this field.• Symbol: The security’s symbol used on exchanges. Double click to edit this field.• Cost: The cost basis of the security, calculated from the price and commission entered for

all relevant transactions associated with the security. • Shares: The total number of shares owned. • Quote: Current value of the sale price per share. Update this figure automatically by

choosing Action > Download All Quotes. Alternatively, you can double click to enter the value manually.

• Day Change: The difference between the current quote and the security’s opening price on the current date.

• Market Value: The current estimated value of your shares, equal to the quote multiplied by the number of shares.

• Gain/Loss: The difference between the current value of the shares and their purchase value.

• Comments: Any notes pertaining to the security. Double click to edit this field.


Portfolio InformationHistorical performance of Portfolio1. Below the main table, on the left, you will see a chart showing your holdings’ market value

for the last four weeks.2. Move the cursor left or right on the chart to see the market value on specific dates.

Historical performance of a selected security1. Below the main table, in the center, you will see a chart showing performance over time

for the selected security.2. Move the cursor left or right on the chart to see the share quote on specific dates.

Major world indices1. Below the main table, on the right, you will see a table showing the values of major market

indices.2. Click Refresh in the Transaction Editor to download the latest values.


Reports

Reports Overview

Using Reports allows you to see how Money demonstrates its true value. After putting in the time and effort to set up your accounts, enter transactions, and categorize your income and expenses, you can use reports to make sense of all that information quickly and easily. Reports are based on categories, so the key to generating effective reports is to assign appropriate categories to each of your transactions.

With very little setup, you can view breakdowns of your spending habits, track the changes in a particular expense from month to month, list all the transactions assigned to a particular category, and more.

Each report you create is saved and displayed under the Reports section of the Listbar. Click the disclosure triangle to reveal your saved reports. Select one to view that report in the Workspace.

Money User Manual

New Report

Generating a report1. Select File > New Report or open the

Action menu and choose New Report. The New Report window will open.

2. Type a name for the new report that describes the content of your report.

3. Select an account to provide data for the report. You can select one account or all of them from the Accounts drop-down menu.

4. Click on Report Type to select one of the 11 different types available.

5. Select the date range for the report. It will differ depending on the report type; e.g., if the report type is Spending by Category, the Date Range list displays nine intervals: Any Date, Last Year, Last Month, Last Week, Yesterday, Today, This Week, This Month, and This Year. You can also enter a specific date range in the fields “From” and “To.”

6. Choose the components of your report if the report type supports the selection. There are five variations available.

7. Click OK, and the report will appear in the Manage section of the Listbar.

Editing a report1. Select File > Edit Report or open the

Action menu and select Edit Report.2. Change the appropriate information and

click OK.

Report preferences• Save a report in various formats:

1. Click Preview in the Transaction Editor. The report preview will appear.

2. Select File > Save As...3. Enter the name of the report, select

the folder in which you want to save it and the relevant format, and click Save.

• Print a report by clicking the Print icon in the Transaction Editor or selecting File > Print in the Preview mode.

• E-mail a report. Click the E-mail button in the Transaction Editor, and Mail will open a New Message window with the report attached in PDF format.


Report Options

Report types• Spending by Category: Lists income, expense, and balance records by category: all

categories, active categories, or one specific category.• Spending by Payee: Lists income, expense, and balance records by payee (all payees, active

payees, or one specific payee).• Monthly Income and Expenses: Lists income and expenses records by month. Do not

forget to indicate the date range when generating the report.• Monthly Budget: Displays the records of your planned budget for the month compared to

the real situation of your income and expenses. Make sure you create a budget first.• Transactions by Category: Displays all transactions in your accounts by category (all

categories, active categories, or one specific category).• Transactions by Payee: Displays all transactions in your accounts by payee (all payees, active

payees, or one specific payee.• Annual Budget: Displays the records of your planned budget for the year compared to the

real situation of your income and expenses. Make sure you create a budget first.• Monthly Report: Displays only total amounts of income and expenses for all months or a

specific one. Also displays the top 5 categories of income and expenses.

• Spending by Category Comparison: Displays a comparison of your expenses by category.• Spending by Payee Comparison: Displays a comparison of your expenses by payee.• Account Balance: Displays the account balance.

Report components• Text only• Pie chart• Column chart• Text and pie chart combined• Text and column chart combined


Smart Reports

Using a method similar to Smart Accounts, you can create reports that contain different criteria you choose.

1. Select File > New Report or open the Action menu and choose New Report. The New Report window will open.

2. When configuring the report settings, click on the disclosure triangle next to More Options.

3. Choose the criterion upon which transactions should be selected, e.g., account type, name, transaction category, date, etc. To use more than one criterion, click the “+” button.The selection of criteria is presented in the following way:

“Any/All/None” of the following are true:“Variable 1” “Variable 2” “Variable 3 (if required)” [field to enter a keyword]

To change the report criteria, select File > Edit Report or open the Action menu and select Edit Report.


Smart Reports Criteria


Account Bank Name/Number/Routing Code/Transfer Code/Address/Website/Comments


Account Currency is/is not

Account Comments contains/begins with/ends with/is/is not

Account Name contains/begins with/ends with/is/is not

Account Number contains/begins with/ends with/is/is not

Account Starting Balance is/is not/is less than/is greater than/is less than or equal to/is greater than or

equal to

Account Status is/is not closed

Account Type is/is not Bank/Cash/Credit Card/Investment/Loan

Transaction Date is/is not/is after/is before/is in the last

Transaction Comments contains/begins with/ends with/is/is not

Transaction Number contains/begins with/ends with/is/is not

Transaction Status is/is not Uncleared/Cleared/Reconciled

Transaction Type is/is not Withdrawal/Deposit/Transfer/Dividend/Buy/Sell

Transaction Total Amount is/is not/is less than/is greater than/is less than or equal to/is greater than or

equal to

Transaction Is Scheduled

Transaction Is Transferred to

[a list of your accounts]



Transaction Category Name/Subname/Comments contains/begins with/ends with/is/is not

Transaction Payee First Name/Last Name/Company/Address/Phone/Email/Comments


Transaction Security Name/Symbol/Comments contains/begins with/ends with/is/is not

Note: Remember that the report outcome is also determined by the standard report type, date range, etc. that you chose when configuring the report settings.

Examples of Smart Reports Criteria

Intro Var 1 Var 2 Var 3 Keyword Results

Any of the following is

true

Account Bank

Name is Citi The report will contain only the entries from accounts with Citi or JPMorgan

assigned as their banks. “Any” implies that entries corresponding to at least one

of the listed criteria will be included.

Any of the following is

trueAccount

BankName is JPMorgan

The report will contain only the entries from accounts with Citi or JPMorgan

assigned as their banks. “Any” implies that entries corresponding to at least one

of the listed criteria will be included.

All of the following is

true

Transaction Payee

Name begins with

A The report will contain only the transactions that happened after June 26, 2008, and included a payee whose name begins with A. “All” implies that only entries corresponding to all listed


All of the following is

trueTransaction

Dateis after 6/26/2008

The report will contain only the transactions that happened after June 26, 2008, and included a payee whose name begins with A. “All” implies that only entries corresponding to all listed


None of the following is

true

Transaction Category

contains Food The report will contain all entries except the ones with a category name that

includes Food.


Security

Password

If you share your computer with other users, you may be concerned that they could access your financial records. You will be pleased to know that Money provides simple password protection to lock your sensitive data away from unwanted visitors.

Enabling password protection1. Select Money > Preferences > Security.2. Click Set Password.3. Enter and confirm the password in the sheet that appears.

The next time you try to open Money, the password field will appear. Enter the password and press Enter (Return).

Disabling password protection1. Select Money > Preferences > Security.2. Click Remove Password.3. Enter the password in the sheet that appears.

Money User Manual

Backup

One of the best ways to protect your Money data is to back it up regularly. Money makes it very easy to back up your data to a MobileMe account or a location on your computer. If you do not have a MobileMe account, you can learn more about it on Apple’s Web site.

Backup to MobileMe1. Select Money > Preferences > Backup.2. Check the Enable MobileMe Backup box.3. Select File > Backup to MobileMe.

Money will automatically access MobileMe using the account information you have indicated in Apple > System Preferences > MobileMe. If Money has a problem connecting to MobileMe during the backup process, check your configuration settings there.

4. During the backup, Money saves a compressed copy of your data file to the following location: iDisk/Documents/Jumsoft/Money/. The file called datafile_backup.dat will be over-written after every backup you perform.

Restoring data from MobileMeSelect File > Revert from MobileMe. Money will access MobileMe automatically.

Note: When performing Revert, all your local data in Money will be over-written and will not allow a recovery.

Backup to hard drive1. Select Money > Preferences > Backup.2. Check the Enable Backup to Hard Drive

box.3. Click Choose Folder to select a backup

location on your hard drive 4. Select File > Backup to Folder. 5. During the backup, Money saves a

compressed copy of your data file to your chosen location. The file called MONEY_DATA_FILE_330.jmdf will be over-written after every backup you perform.

Restoring data from hard driveSelect File > Revert from Folder.

Note: When performing Revert, all your local data in Money will be over-written and will not allow a recovery.

Money User ManualSecurity

iPhone Syncing

Money for iPhone

To use Money on your iPhone or iPod Touch, you will need to download a copy of Money for iPhone, available on iTunes App Store for free. Money for iPhone works as a stand-alone application to let you track your accounts and transactions on the go, and it can sync data with Money for Mac via Wi-Fi.

Money User Manual

http://itunes.apple.com/WebObjects/MZStore.woa/wa/viewSoftware?id=325934225&mt=8&s=143441

http://itunes.apple.com/WebObjects/MZStore.woa/wa/viewSoftware?id=325934225&mt=8&s=143441

Syncing

1. Switch both your Mac and your iPhone into Wi-Fi mode.

2. On your iPhone, go to the Settings panel.3. Select Sync > Set New Library. A four-

digit code will appear on the screen. 4. On your desktop version of Money, click

on the name of your iPhone under the Devices icon that appears in the Listbar.

5. Type in the iPhone Library code in the blank field that appears.

6. Once the link between the two devices has been established, select Sync on your desktop version of Money to transfer data to your iPhone.

The first time you synchronize Money applications, the transaction categories are transferred from your computer to your iPhone. If you require additional categories in Money for iPhone, you can create them by selecting Settings > Categories. Click on “+” and enter the names of any category or subcategory you wish to add.

All data (accounts, transactions, bills, payees, categories, and securities) is synced between the iPhone and desktop Money applications. Therefore, if you delete an account from the iPhone, it will also be deleted from your computer when you next synchronize the two. You can restore the content of both versions of Money to a date prior to a selected synchronization by clicking the Restore button in the desktop Money.

Money User ManualiPhone Syncing

Contact Us

Thank you for trying Money!

If you have any problems with the application, please visit our Web site at www.jumsoft.com/support or write an e-mail to [email protected].

For more information about Jumsoft products and services, visit our Web site at www.jumsoft.com or e-mail us at [email protected].

The Jumsoft teamhttp://www.jumsoft.com

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