Money manager руководство

Introduction

Money Manager Ex (MMEX) is a personal money
management system,
for any one starting out in keeping track of their money, and their
spending habits. Based on simple principles, thus allowing anyone
with little, to no knowledge of finance and general book keeping,
to successfully manage their money. MMEX does this by attempting to
models the real financial world, to help us (the user) maintain our
personal finances. The Money Manager EX Software, is Open Source,
and free to use.

The primary goal of MMEX is to simplify the process of tracking
financial information, in an easy to use program that can be used
as regular as necessary, to help us keep track of where our money
comes from and more importantly, where our money goes, in order to
make better financial decisions for our future.

Think of Money Manager Ex as a computer checkbook which enables
you to balance your accounts, organize, manage and generate reports
for your finances.

It is also a great way to keep abreast of your financial worth.

The purpose of this manual is to give you (the user) some basic
instructions for using MMEX. This instruction manual will evolve as
the program evolves. So check the help system with each update and
see what’s new and how to better utilize MMEX.

Working towards better Financial Health

Becoming organized financially requires some amount of
discipline. Financial management can become complicated when there
is no clear understanding of how much money we are getting,
regarded as income as opposed to our expenses which is how much
money we spend.

Debt usually results when our cash flow is
restricted because our expenses exceed our income. Then we need to
borrow money to maintain our cash flow to enable us to purchase our
necessary items.

The first step towards better Financial Health, is to maintain
good financial records. It is only when we have a clear
understanding of where our money goes, that we can make an informed
decision of where to cut back on our expenses when our cash flow
becomes tight. If we do need to borrow money, we can then better
manage our debts as well.

Did you realize you spent $600 in buying DVD movies last year?
How many times did you watch them? Do you think now that the $600
would have been better spent on the unexpected maintenance on the
auto that came up yesterday? Of course there is no right or wrong
answer to how you should spend your money. After all, it is you who
earned that money and the right to spend it whichever way you see
fit. But you can always make your money work harder for you.

Here’s where personal finance software comes in. They help
you slice/dice the financial data to give you better insight into what
is going on. Always remember the software can only be as good as
the data it has to process. Garbage In Garbage Out. But if you have
started thinking of even using Personal finance software, you are
well on your way to making every dollar count.

Read on how to work with Money Manager Ex.

Money Manager Ex Concepts

Money Manager EX models the real world to help us maintain our
personal finances.

Generally we receive money from someone for a service we
provide, or a product that we sell. This is regarded as a Income or
as a Deposit to our system. When we purchase an item or use a
service, the money that we spend is regarded as an expense or
Withdrawal to our system. In MMEX, the people that give us money or
receive our money are regarded as the Payees of the system.

As we hopefully do not spend all the money we receive, we would
obviously need a place to keep our money. This is generally, some
financial institution, or several institutions or in our pocket.
MMEX tags these places as Accounts.

When we spend or receive money, we see this as a
transaction, and the reason for our income or expense is our
category. There will be times where we need to transfer money from
one place to another, such as a withdrawal from an ATM, and this
type of transaction is known as a transfer.

This can be simplified as shown in the following diagram:

One other important thing to consider is the currency we use to
perform the transactions.

With all of these things to keep track of, MMEX uses a database
to store and connect all these entities together.

Recommendations

The database that MMEX generates, known as the .mmb file,
becomes an important file for you to maintain. Depending on
circumstances, security features such as encryption can be
employed, which is recognized as a .emb file. This is where we can
attach a password to the database, and will require a password
every time MMEX is opened.

As with any computer system, the data we produce is important to
us, and therefore need to safeguard against system malfunction.
MMEX has a backup system where it can produce a dated copy when the
database is opened, and/or produce a dated copy of the database
when changes have been detected. Up to 4 backups are maintained for
each database when the system is initialized and/or when system
changes have been detected, and the system shuts down.

• Always backup your .mmb or .emb database file regularly.
• Always keep backup copies on other devices to protect against hardware failure.
• When upgrading to a new version of MMEX, make sure you
  backup your .mmb or .emb database file before doing so.
• Use the Menu Tools → Options…
  to set up the level of backup required.

Creating a New Database

When MMEX initially starts up, it will attempt to load the last
database that was opened. If no database existed, the user is
presented with the option to either open an existing database, or
create a new one.

If you need to create a new database file, from the Menu, select
File → New Database.

This will prompt you to specify a new name for your .mmb
database file, at the location you specify. Your new database file
is now created and the New Database Wizard will be displayed to
help you initialize the new database and assist in creating your
first account.

The New Database Wizard will request you to set the Base
Currency and a User Name.

MMEX comes with a default set of currencies which you can use,
to correspond to your countries currency settings. New accounts
will then use this Base Currency setting as the default. This
allows accounts from different countries to reflect the value in
the base currency.

To help identify the purpose of the database, a User Name is
requested. This is optional, as it is only used as a title on the
Home Page, and in reports.

Both these settings can later be changed if required by
selecting the menu: Tools → Options.

The database name will be displayed on the title bar which helps
remind you which database file is open.
The new .mmb database file is not encrypted.

Creating New Accounts

When creating a new database file, you will automatically be
requested to create a new account.

To manually create a new account, from the Menu, Select
Accounts → New Account.

This will bring up the Add Account Wizard. The wizard will
assist in collecting the important information of the Name and Type
of Account. The Type of Account is not changeable, but the name can
changed when editing account information.

Name of the Account: This is a required field. The
recommendation is to name your accounts uniquely and in relation to
real world accounts. Example: With CitiBank, we have a Savings
account and a credit card Visa account. You could name your
accounts as CitiBank Savings and Citibank Visa.

Type of Account: MMEX supports several types of accounts.

Checking Account

This is the most common type of account used for MMEX, and
can handle most common account types, such as checking
accounts, savings accounts, and credit card accounts. Also
known as Bank Account, and supports three kinds of
transactions. These are withdrawal, deposit and transfers.

Term Accounts

Similar to Checking Accounts with the exception that they
appear in their own section on the home page and can be shown
or hidden for normal day usage. For a better explanation see
the account setup example.

These kinds of accounts cover specialized accounts such as Cash
Term Accounts, Bank Mortgage accounts, Loan accounts, or
investment accounts with regular income or expenditure that you
need to keep track of. These accounts have their own balance
section on the Home Page. These accounts also, supports three
kinds of transactions.

Investment Account

The other type of account that MMEX supports is an
Investment Account. This type of account allows you to track
stock/bonds/mutual funds investments and possibly other
investments you may own.

To properly setup accounts, you should have balance information
for the accounts you want to add to MMEX. You can get this
information from your most recent bank, investment and credit card
statements. To track additional information about this account,
optionally you can enter your account details such as Account
Number, Held At, Website, Contact info and Access Info. You can
enter additional notes about the account in the notes field.

Most accounts have some kind of balance in them, for example say
in a credit card account, you have a current balance of $2304.67,
you could put that value in the initial balance field. Going
forward you only need to add transactions beyond that date when you
had the balance.

The Account Status can be set to Open or Closed. Closed
accounts are just that. They are no longer active. Setting this
status is just a way to de-clutter your view in your tree view
navigation pane. Permanent settings are made by changing the View
Options on the Menu, Tools →
Options, you can hide the closed
accounts. See Tips on Navigation Tree.

Currency: This is initially set to the database Base Currency
setting which was initially set when creating the database. You can
set the currency that is associated with this account and can be
different to the base currency.

The exchange rate for the currency can be changed using the
menu: Tools → Organize Currency.

Example: You live in the USA using US Dollars, and have an
Italian bank account using the Euro. Most of your accounts are in
USD. What is the real value of your Italian bank account? By
changing the exchange rate for the Italian Euro, you can get the
correct value of your accounts.

You also can mark accounts as a Favorite Account>. This again
is used to change the accounts that are visible in the navigation
bar. See Tips on Navigation Tree.

Account Setup Example

We have a savings account with $1250, a check account with $500,
a MasterCard owing $250, a Visa Card owing $475, a home mortgage
loan of $230,965 and an education fund to send the children to
college in the future currently at $5000 earning interest.

We would set up the following accounts:

Account Type	Account Name	Initial Balance
Check/Savings	Savings	$1,250.00
Check	$500.00
MasterCard	-$250.00
Visa Card	-$475.00
Term	Home Mortgage	-$230,965.00
Education Fund	$5,000.00

On the Home Page the balances would be $1025 for Bank accounts,
and $-225,965 for Term Accounts

When a payment is made from your Savings Account to your
MasterCard with a Transfer Transaction the balance on the home page
remains the same. When a payment is made from your savings to your
home mortgage, the balance on the home page will reflect the
payment. Now you can determine the amount of money you have on a
day to day basis. Regular payments can also be set up from your
savings account to your mortgage account using Recurring Transactions.

Tips on Navigation Tree

• Expand/Contract any account branches
  using the +/- nodes on the navigation tree.
• Using a mouse Right-Click on any account name in the Navigation
  tree, will allow all
  accounts or only favorite accounts to be shown, temporarily
  changing the permanent settings, as well as other useful
  options.
• This views can be temporarily changed to show or hide the
  appropriate section.
  To make the change permanent, change the options using the menu:
  Tools → Options →
  View Options.

Editing Account Information

Once you have created an account, you can edit any of the
account information fields in the following ways:

• Using menu Accounts → Edit Account
  : The list of account will be displayed where the
  required account is selected.
• Selecting the account name in the navigation panel:
  Right click to bring up the pop-up menu and select
  Edit Account.

This will bring up the account information dialog where the
required fields can be changed.

Edit the account details then use the OK
button to save the account information.

Creating New Transactions

Once you have created a new account, and selected the required
account from the navigation tree, or the home page, the displayed
account can have new transactions added as follows:

• Using the New button at the bottom of
  the Account View screen
• By selecting an existing transaction and using the mouse
  Right-Click, and select the appropriate action on the pop-up
  menu screen.

New/Edit Transaction Dialog

This dialog box will appear for new transactions. Use this
dialog to enter the following details:

Date

This is generally the date of the transaction.
Defaults to current day and can be changed.

Status

The default is None, but can be changed to
Reconciled by the options settings.

Type

Transaction Types:

Withdrawal

is one where one makes a payment and is an expense.

Deposit

is one where money is received and is an income.

Transfer

is one where a withdrawal is made from one
account and is deposited into another account.
This type of transaction is not included in Income/Expense
calculations.

Amount

Enter the amount for the transaction. The second amount
field is associated with the Advanced Check-box and will be
activated only for Transfer transactions.

Advanced

For a transfer transaction, when the
amount in the From Account is different to the To Account,
the difference is recorded in the separate fields. This can be used to allow for currency rate changes.

Transaction Status

Unreconciled

When you enter a transaction, it initially is
in the state of Unreconciled. Which means the transaction has
not been reconciled with your bank/credit card company’s
balance.

Reconciled

Once the transaction is checked and verified
with a credit card company’s balance information, it can be
marked as reconciled.

Void

If you entered a transaction that later became
invalid or you canceled the transaction, instead of deleting
the transaction you can also mark it as void so you have a
record of the transaction.

Flag For Follow Up

This status marks transactions as
needing more action. For example, you receive a balance
statement from the financial institution and you notice that
the transaction amount is different between what you recorded
and what is in the statement. You can mark it as flag for
follow up so that you can followup with the financial
institution.

Duplicate

The status will be automatically be changed to
duplicate if it is recognized as such.

Payee

This is a person or an organization to whom the money
goes or comes from.

Clicking the payee button opens up the payee dialog. You
can select the payee from that dialog or create a new payee for
immediate use.

Category

Category selects the kind of expense/income for the transaction.

Clicking the category button opens up the category dialog.
You can select the category from the dialog or create a new
category for immediate use.

Split

This check-box will activate the Split Transactions Dialog

Split Transactions allows multiple categories to be
recorded for a single transaction.

Can allow a transaction to have Income and Expense
categories recorded as deposit and withdrawals, provided the
overall transaction type is observed and remains positive, for
Deposit and Withdrawal transactions.

Transaction number

This field to enter any kind of number
associated with the transaction like check number.

Notes

This field can be used to record any special notes with
regards to the transaction. The button under Notes can be used to
select commonly used field notes.

Editing and Updating Transactions

Editing existing transactions can be achieved in a number of
ways:

• By selecting the transaction and then clicking the Edit
  button.
• Double-clicking the selected transaction.
• Pressing Enter on the selection.

Any of these actions will open the transaction dialog box
containing the details of the selected transaction. Make the
changes and click OK to save the changes.

Transaction Filtering in Accounts

Transactions can be filtered by either fixed filters or, by
using the Transaction Filter in the Account View. This will allow
the user to limit the visible transactions to those defined by the
appropriate filter. These filtered transactions can then be easily
selected and individually modified.

These visible transactions can also be deleted in bulk if so
desired.

Reconciling and Balancing Transactions

Unreconciled Transactions

This means that they have not been verified with the
statement from the financial institution.

Reconciled Transactions

A transaction can be considered reconciled when the details
of the transaction match that from the financial institution.

In MMEX, reconciled and unreconciled transactions are shown by
different icons. When bank details are not checked against a bank
statement, the user can select to set the default as Reconciled
when creating transactions in the Options settings.

Flagging transactions for followup

Some transactions might have some issues that you want to follow
up on. Mark these as with status of flag for followup. This is
indicated in MMEX with a different icon.

Custom Colors

The user can specify 7 custom colors in the color section of the options dialog.
In the checking/term panel, pressing Ctrl+1
through Ctrl+7 sets the transaction entry
color to the user specified custom color.
Pressing Ctrl+0 will change it back
to the mmex default transaction color.

Searching for Information

Finding Transactions

The MMEX provides several utilities to help users find specific transactions.
The Notes field of transactions can be searched from the
account view. At the bottom of the transaction listing in the account view,
input your search query in the text box to the right of the magnifying glass.
Click the magnifying glass or press the Enter key to
search the transactions in that account.The search is case sensitive.

Finding Payees

In order to find particular payees, open Payee Management using the menu item:
Tools → Organize Payees .

In the payee management window, use the search field at the bottom to type your
query. The search is not case-sensitive, and as you type the payee list will be
filtered with any matches.

If you do not know the exact name or spelling of a payee, you can use the
? (question mark) wildcard as a substitute for a single
character, or the * (asterisk) wildcard as a substitute
for one or more characters.

Examples:

• Searching Cit? will find Citi but not
  Citizens
• Searching Mar* will find both Mary and
  Margaret

Working with Currencies

MMEX can be used in many countries, MMEX need to consider the
currency for the country of use. When creating a new database, the
Base Currency is set to the currency used in the user’s country.
If the user’s currency setting is not listed in the default
currencies, the user can create their own currency Listing.

MMEX allows us to work with more than one currency. Each account
has its own currency setting, and will default to the base
currency. When we set accounts with different currencies, the
transactions we create in these accounts will reflect the currency
of the account.

You can manage Currencies by using the menu item:
Tools → Organize Currency.

Add a new Currency:

1. Use the Add button in the Currency Dialog
2. Provide a suitable name for your new currency.
   Note: This name is not changeable, but the currency can be
   deleted if not being used.
3. Adjust the currency values in the Currency Manager.
4. Use the Update button to save the changes
   before closing.

When more than one currency is being used, the Conversion to
Base Rate needs to be set. This will allow the value of the
currency to properly reflect the value at the base rate.

To allow Automatic Currency update, the Currency Symbol needs
to be set for the particular currency being used.

Working with Categories

Categories indicate the reason an expenditure is made or an
income is received.

A Category is generally used to record Income or Expenses.
Because MMEX allows us to transfer money between accounts, it is
also recommended to use categories to record transfers. This will
allow us to determine what money is being transferred for a
specific reason, such as a repayment to a loan. This will not be
seen as an income or expense in the overall picture. Using the same
category for an income and an expense will upset balance
figures.

Example: If we want to record the the value of running a car, we
would set up the following:

• Category: Car
• Subcategories:
  • Fuel
  • Maintenance
  • Registration
  • Insurance
  • Fuel Reimbursed

The first 4 subcategories are used to record expenses. If we are
reimbursed for fuel costs for any reason, we would need to use Fuel
Reimbursed as an Income subcategory. This would then allow us to
determine the correct amount we are spending on fuel to run the
car. This will become clearer when we are using Budgets.

Split Categories

When adding a new transaction, we can use more that one category
to record a transaction. This is known as a split category.

The overall split category transaction is either a withdrawal or
a deposit. Although the categories within the split, need to
reflect the overall transaction type, each category can be
classified as a withdrawal or deposit within the split.

Split categories can easily be viewed for a transaction by using
a pop-up menu selection when a split category entry exists.

Managing Our Categories

You can manage Categories by using the menu item:
Tools → Organize Categories.
Once the category dialog opens, you can add new categories and
subcategories.

To Add a new Category:

1. Select Categories at the root of the tree (At the top)
2. Type the new category name into the text box
3. Use the the Add button
4. The new category will appear at the bottom, and will be resorted
   when the dialog box is re-opened.

To Add a new Subcategory:

1. Select the category that you wish the subcategory to belong to
2. Type the new subcategory name into the text box
3. Press the Add button

You can also change the names by selecting the
category/subcategory in the list, modify the name in the text box,
then use the Edit button. Use a similar action
to delete the category/subcategory in the list.

Ensure that no transactions use this category/subcategory
combination. This can be done by:

• Editing the transaction and changing the category/subcategory.
• Deleting the transaction using this category/subcategory.
• Using the menu item: Tools →
  Relocation of… → Categories,
  where you can move all categories of a particular
  name to an alternate category/subcategory combination.

This would then make the category free so it can then be deleted.

Working with Payees

Payees are the people or institutions that give us money, or
the people or institutions who we pay, for our goods and services.

You can manage Payees by using the menu item:
Tools → Organize Payees.

Once the payee dialog opens you can add new payees, edit or
delete existing payees.

To Add a new Payee:

1. Enter the name of the payee in the Filter Payees box
2. Use the Add button

You can also select the payee in the list, then use the
Edit or Delete
button to perform the required action.

To delete a payee, ensure that no transactions use this payee.
This can be done by:

• Editing the transaction and changing the payee.
• Deleting the transaction using this payee.
• By using the menu item: Tools →
  Relocation of… → Payees,
  where you can move all payees of a particular name to an
  alternate name.

This would then make the payee free so it can then be deleted.

Importing financial data

Importing from WebApp

MMEX has a light WebApp that can be installed on every PHP
webserver like NAS, shared hosting or other PHP local installation.

You can download all needed files from

WebApp project page.

To start-up WebApp you only have to:

1. unzip file in a folder on your webserver or upload files through FTP
2. rename htaccess.txt in .htaccess (on Windows you need to do
   it from CMD and rename command)
3. enable PDO_SQLite if needed

Then simply open your browser to the folder URL, fill first
settings and insert correct URL and GUID in MMEX settings
(import/export tab).

Now at every start-up MMEX will contact WebApp for new
transaction that will be downloaded and imported in desktop
database.

All main transaction linked settings will be automatically
synced to WebApp, in this way you can have all your account and
payees ready to use inserting new transaction.

Importing From QIF Files

Quicken Interchange Format (QIF) is an open specification for
reading and writing financial data to media (i.e. files). A QIF
file typically has the following structure:

!Type:type identifier string
[single character line code]Literal String Data
...
^
[single character line code]Literal String Data
...
^

Each record ends with a ^ (caret).

See example QIF transaction:

!Type:Bank Header
D6/ 1/94 Date
T-1,000.00 Amount
N1005 number
PBank Of Mortgage Payee
^ End of transaction

QIF is older than Open Financial Exchange (OFX).
The inability to
reconcile imported transactions against the current account
information is one of the primary shortcomings of QIF. It is
commonly supported by financial institutions to supply
down-loadable information to account holders.

MMEX can import transactions from specific types of QIF formats
into an account (you can find the type of QIF by opening in a text editor)

!Type:Bank

Bank account transactions

!Type:Cash

Cash account transactions

!Type:CCard

Credit card account transactions

After importing from QIF, all transactions will
have a Follow Flag as it its status. You can mark all
transactions with this flag using the bulk status setting commands
using the right click menu in the account view.

Importing From Universal CSV Format

To alleviate the problem of users having to pre-format their
bank transaction CSV files into the fixed format MMEX requires,
MMEX also allows users to import CSV files where the order of
fields is completely freeform.

To use this importer, select the
account you want to import into and then select the order of fields
in the CSV file by picking and choosing from the list of possible
fields. MMEX will now import the CSV file using the format
information specified by the user.

MMEX can import from a wide
variety of formats. One of them is a fixed format CSV file. This
file format exactly matches the CSV format that MMEX can export. So
it can be useful to move data from one .mmb database file to
another .mmb database file. To easily see the format of the CSV
file, you can try exporting an account to a CSV file and then
analyzing the format created.

The CSV field options are as follows:

Date

Date of the transaction (in the format specified in
Tools → Options… →
General)

Payee

To whom the transaction was made. In the case of a transfer
transaction, this indicates the name of the account from which the
transfer was made or to the account the transfer was made.

Amount (+/-)

The transaction amount. If it is a positive value it is a deposit,
negative value is a withdrawal (there is an option to reverse this)

Category

The category of the transaction

SubCategory

The subcategory of the transaction

Notes

Transaction Notes

Number

Transaction number

Withdrawal

A positive amount that is considered as a withdrawal. Do not use
if specifying Amount (+/-)

Deposit

A positive amount that is considered as a deposit. Do not use if
specifying Amount (+/-)

Don’t Care

Ignore this field

When creating your CSV file be sure that you remove the
commas from your deposits and withdrawals. This can be done
easily through a program such as Excel or OpenOffice Calc.

After importing from QIF, all transactions will
have a Follow Flag as it its status. You can mark all
transactions with this flag using the bulk status setting commands
using the right click menu in the account view.

Importing From XML File

Importing from XML for recognizes XML file in Excel format
named XML Spreadsheet 2003 in Excel. This is the recommended
import method if required to import transactions from Excel.
Method of import and field selection is same as importing from CSV.

Exporting data

Exporting to CSV Files

MMEX can export to a fixed format CSV file. This file format
exactly matches the CSV format that MMEX can import. So it can be
useful to move data from one .mmb database file to another .mmb
database file. To easily see the format of the CSV file, you can
try exporting an account to a CSV file and then analyzing the
format created.

The general format is as follows:

Date

Date of the transaction (displayed in the format specified in
Tools → Options… →
General)

Payee

To whom the transaction was made. In the case of a transfer
transaction, this indicates the name of the account from which the
transfer was made or to the account the transfer was made.

Transaction Type

This can either be Withdrawal or Deposit

Amount

The transaction amount as a positive value

Category

The category of the transaction

SubCategory

The subcategory of the transaction if any (otherwise blank)

Notes

Transaction Notes

Exporting to XML Files

MMEX can export to an XML file. The XML format is compliant with
Excel and can be read by it. The general format is the same as CSV.

Exporting to QIF Files

MMEX can export an account to a file of the QIF format. This format
can also be used by MMEX to reload into an account.

Recurring Transactions

Recurring Transactions are special transactions that we set up in order to have
the transaction entered into the data base at some future date.
These transactions generally occur at regular intervals, such as
the payment of a bill.

These transactions:

• Are displayed as Upcoming Transactions on the Home Page within
  15 days of the due date.
• Can be set up to activate automatically on the due date.
• Can be set up to activate manually — allowing the user to
  adjust the amount, payee, category, status and date on
  the due date if required.

Recurring Transactions can be accessed from the navigation tree
or from the menu item Tools →
Recurring Transactions. This will
display the Recurring Transactions page.

To create a new transaction, use the New
button:

1. Set up the Recurring Transactions Details, defining which
   account the transaction will go to when the transaction is
   entered.
   1. Select the Repeats as daily, weekly etc.
   2. Schedule transaction
      • Repeats: In x Days/Months
        1. Set the Start date of the activity.
        2. Set the period in days or months depending on
           the selection.
        3. Changes to the period will reactivate the
           Next button. Once
           the transaction has been entered, the activity
           becomes inactive.
        4. Use the Next button
           to advance the date to the occurrence Date.
      • Repeats: Every x Days/Months
        1. Set the date of the Next Occurrence.
        2. Enter the number of times this will occur into Payments Left.
           No number means: repeat indefinitely.
2. Define if user will be prompted to confirm entering transaction
   on the due date.
3. Set up the Transaction Details section, similar to creating
   new transactions.

Stocks and Shares

MMEX allows you to track Stocks and Shares. The total Stocks are
added to your total financial worth.

Further details refer to
Stocks, Shares and Share Dividend Management in MMEX

Asset Management

MMEX allows you to track fixed assets like cars, houses, land
and others. Each asset can have its value appreciate by a certain
rate per year, depreciate by a certain rate per year, or not change
in value.

The total assets are added to your total financial worth.

Assets are accessed via the Tools →
Assets or via the Navigation Menu.

Assets are created in the Asset Management window.

• A new asset will allow the creation of an asset account.
• A new asset will also create a new transaction to the Asset
  Account or any other account.

Asset transactions are added to an asset and tied to an
account.

• New Asset Transactions are achieved by selecting the Asset and
  adding a transaction.
• Editing an Asset transaction is achieved by editing the
  transaction from the account the Asset transaction resides.
• Normal transactions can be associated with an asset when an Asset
  Account is created.
• Asset Transactions can be treated as Income/expense or as
  transfers depending on the state of the «Transfer» check box.

Budgeting

Budgeting in MMEX

Reports

MMEX allows a variety of reports.
Select the appropriate report under the Reports node in the
navigation tree. Some reports require some user input, some do not.

Financial Year Reports

These reports generally do not start at the beginning of the
calendar year, and appear as branches of the main report titles.
These reports cover:

1. Previous Financial Year.
2. Current Financial Year.

The start date can be changed by the user to start on any day of
any month, within a 12 month period by using the menu
Tools → Options →
General.

Transaction Reports

This allows the user to generate specific reports based
on user selected criteria.

A Transaction Report is generally used to
locate specific transactions made within Bank or Term type accounts.
This report can also be used to display specific details for
a particular account.

For a Transaction Report, the resulting list of transactions can
be printed or saved as a HTML file.

Transfer transactions in Transaction Reports

Since a transfer transaction is a withdrawal from one account and
a deposit to another account, a transaction report done on multiple
accounts loses the reference point for determining whether
the transaction is a deposit or withdrawal.

When a transaction report is used for a specific account, it
will generate a report that will match the account details. The
reference point for transfers in known for this report, which will
reflect in the report having correct balances displayed.

Cash flow Reports

This report projects the amount of funds available, based on
future commitments.

The report will use the Recurring Transactions for the various accounts,
and reflect forward 10 years on a monthly basis. This becomes a
prediction of the amount of money that may be available each month
based on current payments.

General Report Manager

General Report Manager

Printing reports

MMEX supports printing of all reports that can be viewed.

Once you view a report, you can print the report using the
File → Print… menu.

MMEX Options

You can modify some run time behavior of MMEX by changing the
options in the Options Dialog.

Access from the menu with Tools →
Options.

General Panel

User Name

This field is used as a title on the Home Page, and on Reports.

Leaving this field blank, will remove the Home Page and
Report titles.

Base Currency

The base currency setting is used to set the
currency of the database. Individual accounts will use
this as the default, but can be changed if different
currencies as required.

Date Format

The date format setting is used to control how dates
should be displayed and also how dates should be parsed
when importing QIF, CSV files.

Financial Year

Sets the start Day and Month for a Financial Year
period, as opposed to a calendar year. This is used in
Budgets and Reports.

Use Original date…

Activate to use the date of the transaction date when
using paste transaction, in account view.

Use Transaction Sound…

Activate to plays a sound when a transaction is entered.

View Options Panel

Transactions Visible

This determines which transactions are seen as default
in the Account View.

HTML scale factor

This will set the font size being used on the Home Page and
in Reports.

User Colors

Allows the user to modify colors in MMEX to suit his/her
style.

Network Panel

WebApp settings

Set URL and GUID of your WebApp installation to allow
data sync. Parameters can be found in WebApp Guide
page.

Others Panel

Stock Quote Web Page

This URL is used by the Refresh button on the Stock
Investments page. This URL is also used by the New/Edit
Stock dialog, to display the web page for the listed stock.
The default is yahoo finance. Alternatively other sites can
be used if necessary.

New Transaction Dialog Settings

Changes the default settings for the New/Edit
Transactions Dialog

Database Backup

Sets the way the backups are performed when MMEX starts.

Create a new backup when MMEX Start

This copies the database to a new file with today’s
date, when MMEX Starts.

The file will not be over written when MMEX starts
up again. When there are more that 4 backup files,
the oldest file is deleted.

Backup database on exit

When MMEX shuts down, the existing database will be
copied to a backup database file for that day when
changes to the database have been detected. When
changes are made on the same day, the existing
backup is over written. When there are more that 4
backup files, the oldest file is deleted.

CSV Delimiter

This is used as the delimiting character when parsing
CSV files. This is useful to modify from the default
, when dealing with currencies that use
, to denote decimal points in amounts.

Frequently Asked Questions

How can I contribute?

You can contribute by:

• Reporting bugs
• Translating to your language
• Helping spread the word
• If you are a C++ or JS expert, by helping extend MMEX developing code.
• If you are really very happy because you saved a lot of
  money by using MMEX, you can donate to the MMEX project.

What’s the reason for the EX in the name of the software?

Originally I developed a personal finance software called Money
Manager. It was written in .NET and more of a learning exercise
than serious software development. It grew far beyond the original
design. The software was frozen and work began on a new version
which had a similar user interface and features, but written in
C++.

Usually Microsoft names their second version of their improved
software APIs with an Ex extension as in doSomething() and
doSomethingEx(). So I just followed the model and tacked on a ‘Ex’
to the end.

Is the .mmb format proprietary?

No, .mmb file is not proprietary.

MMEX uses SQLite databases to store user data. That
means that the .mmb file is a regular SQLite database.
SQLite is one of the smallest, free relational database
systems around and there are tons of tools to open and
access SQLite databases. SQLiteSpy and
SQLite Browser
are two such utilities. Once you open the database using these tools,
you can do anything you want with the data.

Is my data safe?

Yes. Your data is completely safe.

The data is self contained on your PC, (or USB stick if
you have made it portable). To further protect your data,
encryption can now be added. This applies a password to
your database file, and can only be opened by MMEX or any
other software if you have the correct password.

Can MMEX run from a USB Key?

Yes.

MMEX is a portable application which means ability to run
without installation, for example, from USB flash drive. If MMEX
finds mmexini.db3 in its folder, it assumes portable
mode. Copy mmex’s files to USB Key and copy yours
mmexini.db3 to mmex’s folder on that drive.

To make MMEX portable:

• on Windows (assume F: is USB flash drive)
  1. Copy C:Program FilesMoneyManagerEx to
     F:
  2. Copy %APPDATA%MoneyManagerExmmexini.db3 to
     F:MoneyManagerEx
  3. Copy your database file to any folder on
     F:
• on Unix (assume /media/disk is mounted USB flash drive)
  • Compile MMEX from sources as usually, and run the
    following commands:

    make install prefix=/media/disk
    cp ~/.mmex/mmexini.db3 /media/disk/mmex/share/mmex

  • or copy MMEX which has already installed in /usr:

    cp /usr/bin/mmex /media/disk/mmex/bin
    cp /usr/share/mmex /media/disk/mmex/share
    cp /usr/share/doc/mmex /media/disk/mmex/share/doc
    cp ~/.mmex/mmexini.db3 /media/disk/mmex/share/mmex

How do I know MMEX is not trying to steal my sensitive financial information?

Generally, with any closed source program, you have to depend
upon the vendor’s word regarding safety of the data. But with MMEX
being open source, you can verify this claim yourself.

Even if you are not a C++ expert, you can rest assured that anyone
can access the source code at any time and verify the legitimacy of
MMEX’s intentions.

MMEX does connect to the internet only to send anonymous usage
statistics or when checking for an update.
Here is a sample of data that MMEX will send:

Version	Operating System	Language	Country	Resolution	Start Time	End Time
1.3.0 Portable	Windows 8 (build 9200), 64-bit edition	english	United States	1366×768	2014-05-01 09:00:00	2014-05-01 09:01:30

How do I print account statements using MMEX?

To print a statement with transactions from any arbitrary set of
criteria, use the Transaction Filter to select the transactions you
want and then do a print from the File →
Print… menu.

The Transaction Filter is accessed from Reports
→ Transaction Reports on the Navigation Tree,
or from the Quick Navigation buttons in the top left hand corner of MMEX.