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Author Topic: Checkbook Balancing (reconciliation)  (Read 431 times)


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Checkbook Balancing (reconciliation)
« on: Feb 09, 2018, 08:03 PM »
I used to balance my checkbook with a program on the TI-59 pocket programmable calculator attached to a printer that printed on a narrow strip of calculator paper. The program allowed for notations, such as Check or Deposit, as well as the check number, rather than just + or -. It was handy for finding discrepancies. When the TI-59 became more obsolete, I converted to a QuickBasic program, eventually pairing it with a Visual Basic program to print out the results with highlighted background.

Now I've converted the QuickBasic program to Mintoris Basic, attached.

To start it off, type the current balance and tap the Enter button on the program's screen. As you're typing the digits appear in the white entry area at bottom to the left of the keypad. The balance will appear at the top of the black area at the left, which represents the tape. A running balance also appears to the left of the entry area at the bottom. Eventually you will need to use the scrolling arrows to the left of the tape area to see different areas of the tape.

Most of the buttons to the left of the keypad are self-explanatory. For example to enter a deposit, key in the amount and instead of tapping Enter, tap Dep. Adj, Credit, Int, BBP, Withdr, FC and Fee work similarly. Of these, the ones in the left hand column ordinarily add to the balance while those in the right hand column subtract. Of course if you include a minus sign (either at the beginning or at the end) this is reversed, or rather, the negative is added or subtracted algebraically. On the tape the minus sign will always show on the left.

To the left of the keypad just above the entry area is located a backspace key to be used while typing.

Among the other buttons is an Undo button, which erases the last item on the tape, as if it had never been there, restoring balance and latest check number (we'll get to that later) to what they had been. You can go back as far as needed, but remember there's no Redo button.

Pressing Enter at any time without actually typing anything into the entry area, so the entry area is blank, merely puts the current balance onto the actual tape as another entry (actually two entries counting the dashed line placed above it). This is useful for having a reconciled balance on the tape before you start entering transactions that have not yet cleared the bank.

As at the beginning of the program, which is basically the only time you should do it, typing a number and then tapping Enter replaces the current balance with the value in the entry area. If you do this by mistake, just press Undo.

The most complicated button is the Check button. When you type a value and press Check, the action is not yet complete. For the first check you do, you should then type the four digit check number, and then either press the Check button again, or the Enter button.

After the first check has been entered thus, you have a choice with subsequent checks. After typing the value and pressing Check, you can either type a full four-digit check number, and that will be used, or you can immediately press Check again, or Enter, without typing any digits; in that case the next check number in sequence will be used. Or, a third possibility, you can type a number, smaller than 4 digits, and that many check numbers will be skipped. If the previous check (even if it was before some deposits, withdrawals, etc.) was for example 1234, and you entered some value, then the Check button and then typed 1, then Enter or Check, the value would be identified on the tape the the check number 1236, having skipped one value, 1235.

At the end I'd recomment tapping the Enter key without a value again, to get the current balance onto the actual tape.

The actual tape can then be put into a file called banktape.txt by tapping the Print button. You can scroll through the tape on the screen with the scroll buttons at the extreme left.  Remember, the running balance at the bottom is not on the tape unless you have pressed the Enter button.

The on-screen tape is color coded. The usual color is white, but negative values in the value column are shown in blue, except for negative balances that are red. In the annotation area, items that are usually added to the balance, such as deposits or credits, are shown in yellow rather than the usual white.