User manual Table of contents 1. Welcome to Flying Money 1.1. Copyright and distribution notice. 1.2. Technical support 2. Accounts 2.1. Add/Edit new account 2.2. Delete account 3. Register 4 Working with transactions. 4.1 Create/edit transaction 4.2 Delete Transaction 4.3 Transferring funds between Accounts 5. Working with categories 6. Working with classes 7. Multiple Currencies 8. Balancing Accounts 9. Reports 10. Settings 11. Backing up your data 1. Welcome to Flying Money Thank you for choosing Flying Money. We have worked hard to make Flying Money the feature rich and at the same time easy to use application for tracking your personal finances, daily expenses, schedule the regular expenses and incomes. We hope that you will find the application to be your good companion in your every day finance activities. We encourage you read this documentation fully to get the most out of your software. 1.1. Copyright and distribution notice. Application and documentation are ©2007 FlyingBird, Inc. All rights reserved. 1.2. Technical support If you have any technical questions concerning this product, we encourage you to send email to our troubleshooting and support team at support@flyingbirdsoft.com . Our online support centre contains a significant amount of support information including solutions to frequently asked questions, latest versions and numerous operational tips. 2. Accounts. When you first run Flying Money you are prompted to add new account. Flying Money has several predefined account types but it’s possible to create the new ones. The predefined set of account types. * Checking - for tracking checking accounts * Savings - for tracking savings accounts * Credit Card - for tracking credit card accounts * Cash - for tracking your cash expenditures * Asset - for tracking assets such as Home Equity, Vehicles or Retirement Accounts * Liability - for tracking liabilities like Mortgages and Auto loans * Line of Credit - for tracking your line of credit accounts 2.1 Add/Edit Account You may create new accounts as follows: At the bottom menu click the button “New” to add new account or “EDIT” to edit existent account. The Account Info Dialog appears where you may enter the following information. * Name: The name of the account (e.g., My salary). * Type: Choose from the predefined account types (Checking, Savings, Cash, Credit Card, Asset, Liability) * Description: you can type the description to the account with any additional information you want to have with the account. * Institution: The name of the Bank or other financial institution where you have oplen an account * Account #: The account number. * Contact: Name of the contact person in the bank * Phone: The phone number of the contact person in the bank * Preferred: Check this if you want this account to be the default account for your transactions. Go the second tab to add or edit balances for the account. * Ending Bal.: The starting balance for the account. Note: You must enter the beginning balance for Credit and Liability accounts as a negative amount. * Current Bal: the current balance. For the new accounts the current balance equals to the ending balance. * Minimum balance: some account has the required sum of money that can’t be spent, the balance of the account can not go below this amount. * Last check #: enter the last check number to continue numeration of the next checks. * Currency: The currency used for this account. Each account may use a different currency. Click Save If you are creating the new account the program will prompt to enter the starting balance for the account. 2.2 Delete account To delete account – select it at the Account View and click More - >> “DELETE” at the bottom menu. Please note that if you want to delete account that already has transaction associated with it then all those transaction will not be deleted and you still can see them through register view or reports. After deleting such account you will not see it again in the account view and can’t use in the transaction Preferred accounts Flying Money allows you to specify an account as preferred. Listing preferred accounts first is especially convenient when you actively use a small subset of a large number of accounts. To specify a "preferred" account: 1. Select the account name at the account list . 2. The Account Details view will be opened. 3. Check the Preferred checkbox. 3. Register The Register view displays a list of transactions. The scheduled transactions are marked ( ) Filter. The list of transaction can be filtered by * Account ( you may choose to view transaction belongs to one specific account * Type (Cleared/Scheduled) Transactions receive a Cleared status after they are entered to the program. The Scheduled transaction are planned payment, deposit or transfer and require action like to accept ( receive Cleared status), to postpone or delete. * Date ( today/this week/ last week / last month / this quarter / custom..) you can specify the date range of the transaction to view. 4. Working with transactions. Once you have entered or transferred from the desktop application your account details you are ready to use Flying Money to enter the new transactions while you are on the move. A transaction is any type of activity that affects the balance of an account e.g. ATM withdrawals, check payments, salary deposits, credit card charges, and the transfer of funds between accounts. 4.1 Create/edit transaction To create a transaction go to Register View. From the bottom menu choose NEW then choose what kind of transaction you want to create - payment / deposit / transfer. The Edit/Add new Transactions dialog appears. You can run this dialog also from the main program menu. You may fill in the following fields: Account: In the drop-down menu, you may select which account to add the transaction to. The default selection will be the account which was set as preferred. Ref: transaction reference number, the predefined types - EFT (electronic fund transfer ), Check, ATM, TXFR ( transfer), Dep ( deposit). You can add your customized type as well by clicking Add at the drop-down menu. Date: Date of transaction. By default - today date Payee: The name of the Payee. You may enter a name or select from the popup list of memorized Transactions (see Auto-Fill) Amount: The amount of the transaction. The amount is recorded in the currency set for this account. You can set different currencies for different accounts. You may enter a foreign currency and its exchange rate by tapping the Currency Window (see Multiple Currencies). Note: if you are entering payment. You should not try to put minus before the amount. The transaction will be calculated correctly anyway. Category: You may enter a Category (e.g., Car, Restaurant, Groceries, Gifts, Salary etc.) in the Category field. You may choose category from the list of memorized categories. Each category could belong to Incomes, Expenses, Savings. Flying Money includes predefined categories which you can modify. Class: You may specify for the transaction the class it belongs to ( e.g. Personal, Business, etc). You may choose class from the drop-down list of memorized classes or create a new one. Flying Money includes predefined classes which you can modify. Note: Enter a memo, or note to describe the transaction in more details. After you enter all information for the transaction click Save. Create plain transaction. Click Save. Create memorized transaction. From this view you may create memorized transaction if you plan to use it later as well. Click More -> Memorize ( see memorized transactions) Create scheduled transaction. You may male the transaction scheduled by clicking More- > Schedule. The Scheduled transaction window will open you can set the parameters of scheduling for the transaction. ( see Scheduled Transactions) 4.2 Delete transaction. You can delete transaction only from the Registry View. Registry - > More -> Delete. 4.3 Transferring funds between Accounts You may transfer funds between your accounts using one of the following methods. At the main program menu choose New - > Transfer or from the Registry view choose New -> Transfer. The Create New Transfer dialog appears. From: The Account the funds will be withdrawn from. Ref: TXFR stands for Transfer ( optional) Date: Enter the date of the transaction. From: The Account the funds will be withdrawn from. To: The Account the funds will be deposited into. Amount: The amount of the transfer. Category: Transfer ( by default) but you can set your customized category Note: Describe additional information on this transaction 5. Working with the categories Categories provide a powerful mechanism for specifying where the incoming payment came from (e.g. salary, dividends, bonus, etc.) or where expenditures went (e.g. auto, groceries, tax etc.). If for instance you buy clothes at many different stores , you can assign the same clothes category each time you make a payment to those stores. You may then use the budgeting and reporting facilities to quickly determine your periodic clothes expenditure. The category list views The Category List views allow you to review and select categories on the handheld. To review and/or select categories: From the main program menu choose - > Lists > Categories Adding Categories Although the default Category List contains an extensive number of categories for your use, you may decide to add some categories of your own. This provides you with a way to manage transactions in a way that is meaningful to you To add a new category from the main menu go to Lists. Yu will see the categories divided to three folders – Income, Expense and Savings. Choose the required folder, click New, enter the name of the category. Click Save. Deleting Categories If you no longer wish a category to be available on the Categories list, you may delete it from the list. To delete a category from the main program menu choose Lists - > Categories. Select the required folder ( Incomes, Expenses, Savings) where your category is placed and click More -> Delete 6. Working with classes Classes provide another tool for further classifying transactions. You can use classes to specify where, to what, or to whom your transactions apply. For example you could use classes to use your personal checking account for business and personal expenses. Assign the class name Business to business transactions. The class list views The Class List views allow you to review and select classes on the handheld. To review and/or select Classes. From the main program menu choose Lists - > Classes. Adding a class To add new class from the main program menu choose Lists - > Classes - > New. Name the class and click Save. Deleting a class To delete a class from the main program menu choose Lists - > Classes . Select the required class and click More - > Delete. 7. Multiple Currencies Flying Money supports multiple currencies allowing you to track accounts in different currencies as well as recording individual transactions in different currencies and converting them to your account currency. You must specify a Home Currency, and all other currencies will have a conversion rate relative to the Home Currency. Each account can use a different Account Currency, but there is only one Home Currency. Editing Currencies You may create unlimited amount of the currencies, each with its own conversion rate. One currency must be defined as your Home Currency with a conversion rate of 1.0. All other currency conversion rates will be in relation to the Base Currency. To edit/create a Currency: 1. Select Currencies from the main program menu - > Lists . 2. Specify one of the currencies as your Home currency by selecting it and tapping Home. 3. Select an existing currency and tap Edit, or tap New to create new Currency. 4. Enter a currency name, ISO Code, symbol (1 character). 5. Enter a conversion rate. The conversion rate is relative to the base. For example, if your base is a dollar ($) and you want to enter the conversion rate for the Euro (E) and the conversion rate is 0.6995 Euros to the Dollar, the conversion rate is calculated by dividing 0.6995 Euros by 1 Dollar (1/0.6995) resulting in a conversion rate of 1.4296 6. Click OK. 8. Balancing Accounts Reconciliation/ Adjusting Ending Balance We suggest you do the reconciliation of your accounts balance between Flying Bird application and printed statement from bank to be sure that balances are always reconcile and you always have the most recent and accurate data. Go to Accounts view and see the ending and current balances for the account. If the ending balance doesn’t match with the printed statement from the bank and you want to adjust it. To adjust the ending balance go to Registry - > New - > Deposit ( choose Deposit if Flying Money Ending balance < Bank statement’s ending balance ) The new Transaction dialog appears. Choose account you want to adjust and the amount of difference and in the category field choose - Adjustment. Click Save. This method is the quickest and easiest way to make sure your Flying Money accounts’ balances reconcile with your bank statements or a desktop application like Quicken or Microsoft Money. 9. Reports Flying Money can create reports that summarize your transactions based on criteria you define and quickly answer questions such as: * How much money did I spent on gas last month? * How much have I spent on entertainment since the beginning of the year? * Exactly how much money did I spend at my local coffee shop last year? * How much did I spent on food for the week? Etc Note: You may also use Budgets to get another powerful way to track category expenses. Running A Report Select Reports from the main program menu. Check all fields you want to be included to report. ( like account name, date etc) Advice: Don’t include to report too many fields as the generated report will be difficult to observe. Enter the details of your search criteria. Flying Money gives you the flexibility to research and view at your transactions in various ways by allowing you to select from several types of criteria. Report Title: name report so you can run it later. Account: By clicking on the drop-down menu check all accounts you want to find transactions associated with. You may select even deleted accounts. They are displayed in a light gray color at the bottom of the accounts list. Type: select the account’s type you want to be included in a report ( e.g. select checking to include only checking accounts) Date Criteria: * All — The report examine transactions with any date. * Specific Date Range — You may define your own custom date that is meaningful to you by choosing the begin date and/or end date. Payee, Ref, Class, Note Criteria: * All Values — The report includes transactions with any name. * Is — Includes transactions that match exactly with the text specified. (Case however is ignored) * Begins with — Includes transactions that begin with specific text. * Contains — Includes transactions that include specific text anywhere within the name. * Is not — Includes transactions that do not equal the text entered. * Does Not Contain - Includes transactions that do not include specific text anywhere within the name. Category : Check the category items from incomes, expenses or savings you want to include to report. Selecting Amount Criteria: * All values — The report includes transactions with any amount. * Less — Includes transactions that are less than the amount specified. * Less or Equal — Includes transactions that are less or equivalent to the amount specified. * Equal — Includes transactions that match exactly with the amount specified. * Not Equal — Includes transactions that do not include the amount specified. * Greater Than — Includes transactions that are greater than the amount specified. * Greater Than or Equal — Includes transactions that are greater or equivalent to the amount specified. List * Edit Payees - Opens the Edit Payees Dialog. * Edit Categories - Opens the Edit Categories Dialog. * Edit Classes - Opens the Edit Classes Dialog. * Edit Currencies - Opens the Edit Currencies Dialog. * Edit Transaction Types - Opens the Edit Transaction Types Dialog. * Edit Scheduled Transactions - Opens the Scheduled Transactions Dialog. 10. Settings To change the default setting for the program go Settings Window from mail program menu. Currency: choose the home currency from the drop-down menu. The home currency will be suggested to use by default while opening accounts or entering transaction. The home (base) currency used for calculating exchange rates. Account: choose the default account to be suggested to use while entering new transactions. Date format: choose from the drop-down menu the format for the date. 30/Dec/08, 30/12/08, 12/30/08, 30 Dec, 30/12, 12/30 CVS Delimiter – choose the separator to use while export to CSV format ( MS Excel format), CVS in Unicode – choose if you want the exported file to be in Unicode 11. Backing up your data Backing up your Flying Money data provides you with an insurance policy. It lets you restore your data should the need arise. Backup the date To back up your Flying Money data go to Backups fro main program menu. Choose Backup. You will be asked to enter the name of your backup file and the location where it will be saves at your handheld. Keep a copy of this file in a separate folder for safe keeping. Note that after you save he backup file at your handheld you can later copy that file to your PC for more secure storing. Restore the data. To restore your backup data go to Backups at the main program menu. Choose restore. You will be asked to locate the file with backup data. For addional information please go to www.flyingbirdsoft.com