Instructions

Contents


1. Overview of functions
2. Basic Functions
3. The first steps
4. Frequently asked questions

5. Feedback

1. Overview of functions


This app allows you to manage and display your daily income and expenses, giving you a better overview of your financial situation.

 

You can manage various accounts at once and transfer money between them (known as transfers). The all accounts screen shows you your financial situation.

 

You can assign a category to every entry (such as home, car, petrol). This information will allow you to calculate and display statistical data for your entries.

 

Recurring entries are a way of setting up standing orders, direct debits or transfers. Once you have entered the details, the app will set up all the entries over the specified time period.

 

Once you have entered the details, the app will set up all the entries over the specified time period. If you set up an open-ended recurring entry, individual entries will be created for the next 4 years, giving you a forecast for the future. If you end a recurring entry via the settings, these future entries will be deleted.

 

This gives you a better overview in what months you might be short of money.

 

Use your own templates (e.g. ATM, petrol) to quickly set up entries.

 

You also have the option of importing your real statements (in the form of CSV files). Chapter 2 looks at which banks and apps are supported. If your bank or app is not supported, we would be very grateful to receive an example file. This way we can add an import interface (as long as it is technically feasible!).

 

You also have the option of importing your real statements (in the form of CSV files). Chapter 2 looks at which banks and apps are supported. If your bank or app is not supported, we would be very grateful to receive an example file. This way we can add an import interface (as long as it is technically feasible!).

 

In addition you can back-up or recover your data on your device or from the iCloud. Before downloading a backup the app automatically creates a safety copy of the current data. If you use a number of devices with the same Apple account, you can synch them using the iCloud function. Please remember to regularly back-up your data, so that your carefully entered information is not lost. With every new software update or recovery, the app automatically creates a back-up of the current data. All back-up files are encrypted on the device or in the Cloud (256-Bit AES), to prevent unauthorized access to your private data.

 

We have decided to create one version of the app to work on different devices. That means you only have to pay once for the iPhone and iPad versions. However there are a couple of differences between the two versions, as the iPad's specifications are different to the iPhone (for example, screen size). The horizontal display is a special feature of the iPad App because the information on the iPhone cannot be displayed well on the iPhone. Both versions however have the same functions.

 

The built-in printing function allows you to print any list or diagram from the app. You will need an AirPrint-compatible printer. Please go to the Apple homepage for more information.

 

As the programme is being continually developed and some customers do not need all the new functions, you now have the option of switching all the new functions on or off in the settings. In the default setting the new functions are switched on.

 

This app is not an online banking programme. It does not connect with your bank to import account movements.

 

Currently there is no way to synch your data across various devices. You can only manually copy all your data to different devices using iCloud.

2. Basic Functions


This app has a navigation bar at the top an area providing information in the middle and a bar with the following tabs at the bottom: Status, Overview, Entries, Statistics and Settings. The iPad version has an additional tab called Diagram. In most windows you can use top right button ("three horizontal lines" - known as "menu symbol" for short) to select additional commands (e.g. "Add expense", "Add income", "Add transfer", "Detailed search", "Instructions", ...).

The tabs Overview, Bank statement, Statistics and Diagram divide the information area into three sections. At the top you can see the time frame you are looking at. You can change this period using the arrow keys or the month/year button. Please not that you can also select quarters, half-years and years. The bottom (status bar) indicates the display mode, amount, selected account and the chosen time frame.

The display mode determines which entries are included. One click on this area (clock symbol) opens a menu with the following options:

 

Outlook: Includes all entries made up to today. All future entries are highlighted in grey.

Account balance: Includes all entries made up to today. Future entries remain hidden.

End of month: All entries up to the end of the month are included and displayed.

Month: All entries made within the month are included and displayed. You can choose to hide transfers via the settings.

Income: All types of income of the month are included and displayed. You can choose to hide transfers via the settings.

Expenses: All expenses made within the month are included and displayed. You can choose to hide transfers via the settings.

Use a user-defined filter to limit the presented data to the information that is important to you. All display modes will take this setting into account. An orange flag in the bottom right corner of the display indicates that the filter is on. You can also hide all transfers from the list by activating the switch. A yellow flag in the bottom right corner of the display indicates that this switch is on. This setting is useful when you want to look at your whole account. You can also use both filters at the same time.

 

The time frame is displayed in the right margin of the status bar. Clicking on this area (graph symbol) opens a diagram that visualises the data.

 

The account balance and selected account are displayed in the middle. One click on this area opens a menu for defining the "Selected Account". You can also chose "All Accounts". This menu displays the account name, the current balance and some information from the selected month (income, expenses, credit).

Status:

The accounts window shows all accounts in a detailed list. If there is more than one account, the total account balance is also displayed. The lower field shows an predefined number of entries from the selected account. You can configure the display under "Settings/Display/Status display". Here you can set the number of days shown before and after today’s date. There are also three different table views (current entries, watched entries and pending entries). If you click on an account in the top list, all the entries and amounts in the app will refer to the selected account. The account is also displayed in the status bar at the bottom.

Overview:
This display mode lets you control your account balance over the months. You can configure the display under "Settings/Display/Overview display". Overview gives you a visual representation of you account balance each month, depending on the chosen type of display The green bar (Income) moves from right to left, the higher the expenses (red) are. If the whole bar is red you know that money might run short that month. This lets you check your financial situation at a glance.
With one click on the bar you can see the statement for that month. Now you can search, edit or delete entries.

Bank statement:
This display shows you all entries for your account over the selected time period. You can change the order of the list using the transparent symbol (bottom left of the table). You can sort the information in a number of ways. The sorting options are displayed just under the upper navigation bar.
You can sort the data according to date, alphabetical order, amount, category or payment method. In this list incoming entries are marked in green and expenses in red. If you choose the current day display all future entries will be either grey or remain hidden. The symbol on the left next to the title indicates the type of entry (recurring entry, single entry, transfer). The entries will be grouped according by days only if you sort them by date.
One click on an entry in the list takes you to the detailed entry view. Now you can edit or delete the entry.
You can also visualise the information as a diagram. This shows the sum of all types of income or outcome over time.
If you touch the entry for about a second, a menu with the most important functions will appear.

Statistics
The statistics display visualises the sum of a select number of entries. The amount displayed depends on the selected time frame and account and, if applicable, on the chosen filter.
You can create statistics using categories, accounts or payment methods. You can change the selection using the transparent symbol (bottom left). The type of calculation is displayed in the navigation bar. When grouping entries according to main categories, the relevant sub-categories are also displayer.
If you click on cell in the table, you will see all the associated entries. The diagram symbol (bottom right) provides a graphic representation of the data.

Diagram (only available on iPad)
Diagram displays the total amount of income and expenses. The amount displayed depends on the selected time frame, account and filter. The "Income" and "Expenses" displays are a special case. They display the total amounts according to category, account or payment method.
You can change the selection using the transparent symbol (bottom left). The type of calculation is displayed in the navigation bar.

Settings:

Additional functions

The kit contains the following functions:
1. Enhanced statistics
2. Printing
3. CSV-Import

Managment
Use the settings to manage your accounts, recurring entries, templates, forms of payment and categories.

 

Here you can will a number of parameters to configure your app.
• You can set the day of the month the time frame starts, if you, for example, receive your salary on the 15th of each month.
• You can set a window for creating an expense to pop up each time you start the app.
• You can set the time frame for the Status display (display of entries).
• You can set the time frame for the Overview display.
• You can select additional field for accounts set up (account number, bank code, banking institute, account holder, ...).
• You can preset an email address and subject for exporting data
• Set what day your week starts (Sunday or Monday).
• Determine the maximum number of search results.

 

Choose a standard currency for your accounts and entries. At the moment you can only define one currency for all accounts.

Security:
Using the integrated PIN protection (4 digits) you can protect the app from unauthorized access. Without this PIN you will not have access to your data! Take care not to lose your PIN.

Back-up and Files
This covers everything related to back-ups, exporting CSV and HTML files and importing CSV files. In addition you can delete all entries or reset the whole app.

 

You can create back-ups or restore the app with a saved back-up. If you have enabled iCloud on your device, you can also save or download the files from the cloud. This means your files can be manually transferred between various devices
All back-up files are encrypted on the device or in the Cloud (256-Bit AES), to prevent unauthorized access to your private data.
You can acces your files using the iTunes filesharing function.
Open iTunes and select your device. Now click on the "Apps" tab at the top. This will open a list of apps that support file sharing. Click on the app to see all shared files in the list on the right. Y ou can access these files by using the buttons "Add" and "Save under”. Now you can save your back-up files to a specific location. If you add a file to this list and synchronise iTunes, the file will be automatically copied to the device. You can then upload this back-up file via the app’s recovery function (refer to "Settings / Export and Back-up / Data Back-up").

If you want to export your entry data, you can choose between CSV and HTML format. Please note that the number of results might be limited due to a previously defined filter. The result is either sent per email using the standard iOS e-mail function or saved on the device.
You can save your files on your PC/MAC using the iTunes file sharing function. Open iTunes and select your device. Now click on the "Apps" tab at the top. This will open a list of apps that support file sharing. Click on the app to see all shared files in the list on the right (CSV, HTML ...). You can access these files by using the buttons "Add" and "Save as". The only person to receive this sensitive information is the contact you chose.
No hidden emails will be generated! You can speed up the process by predefining an e-mail address and subject line in the settings (general).

If you want to import CSV files you need to first copy them to your device. Carry out the steps described in 4 and copy the files using the iTunes software. Then select "Import files" in the settings. The new window has three areas: import via iTunes sharing, overview and settings.
In the settings you can choose the account you want to add the entries to. Some banks add additional information to the CSV file (e.g. account name, account number, ...). As the CSV format has not been standardized between banks, only the entry information is transferred and all other information is ignored.
Next you can what to do with entries that already have been imported. The final settings deal with the charset and separator used in the CSV file. If the imported entries are not displayed correctly, you have to change the charset.
Usually the separator is defined automatically, but if a file cannot be imported, you need to change it. Every imported file is recorded in a summary. You can always undo an import by pressing the item in the table for a second. This will pull up a menu with the options view, delete and undo.
If you select an item in the table, you will see all imported entries. These entries can be edited or deleted later on.
Please check if the entries are displayed correctly. If necessary delete the whole transfer and change the settings.
At the moment we do not have access to the CSV format of every bank, meaning that we only support the following banks:

• All Budget
• Meine Ausgaben/MyWallet
• Meine Haushaltsbuch
• MoneyBook
• Outbank (App / Mac)
• Finanzblick
• Star Money Buisness 5.0
• Sparkasse
• Deutsche Bank
• Postbank
• HypoVereinsbank
• ComDirect
• Volks- und Raiffeisenbank
• Baden-Württembergische Bank
• Apotheker und Ärztebank
• Nord/LB
• Santander
• DKB
• DKB Kreditkartenkonto
• VW Bank
• Degussa Bank
• Targo Bank
• ELBA Internet
• Raiffeisenbank
• VKB Volkskreditbank
• Hypo Banken
• Volksbank AG
• BAWAG PSK Gruppe
• SPARDA Bank
• Raiffeisen Austria - Business Elba
• SSC
• Bank Austria
• Raiffeisenbank
• UBS
• ABN Bank
• Algemene Spaarbank

If your bank or app is not supported, we would be very grateful to receive an example file. This way we can add an import interface (as long as it is technically feasible!) and include it in the next update.
Usually your bank will provide you with a CSV file and if you use online banking, you can easily export this information. Open an editor and delete a couple of lines. Please also modify some of the entries (e.g. Name, Amount, Account number). Please do not open Excel and then save the file, as this programme changes the file structure, meaning it is of no use to us. We will of course handle your information with care and modify the data again ourselves. Please also provide us with the name of the bank (e.g. the bank code).
What can I do if my bank is not supported?

 

The goal of this app is to support as many banks as possible, so please get in touch with us via the e-mail address ios@onetwoapps.com if you bank is not supported.

 

Your e-mail should contain the following information:

• Bank code and bank name
• Exported CSV file from your online banking service
• IMPORTANT: Please hide personal information such as account numbers, amounts and names without changing the formatting.

3. The first steps


You will find it easier to start working with the app, if you first follow these steps. First click on the settings tab (cogwheel symbol). In the iPhone version this symbol is in the navigation bar at the top left. The iPad version has its own tab (bottom).

Setting up accounts

Define your counts using the admin menu. An account will have been set up for you during installation, but you might want to rename it. You can set up a new account using the button on the top right (New). Here you can also enter a different current account balance for each account.

Setting up recurring entries

You can set up recurring entries in the admin menu. This might include your rent, insurance payments or credits card instalments. For us, recurring entries are periodically recurring transactions with the same value (e.g. standing orders, direct debits or transfers between accounts). The entries generated by this feature can be edited individually at a later date. If you want to transfer money from one account to the other, you have to set up a transfer. This creates an outgoing entry in the source account and an incoming entry on the target account. These entries are linked to each other and are edited or deleted at the same time.

Creating templates

Create templates using the admin menu. Quickly create entries by using previously defined templates (e.g. "get petrol", "ATM"). You can also create a template in the accounts overview, by clicking on the entry for 1 second. You will see a menu over the entry with the option "Template". This does not overwrite any existing templates.

Edit categories

You can create, edit and delete categories in the Admin menu. There are two possible category levels (main and sub-categories). Alternatively you can use the entry criteria method of payment.

Click the "Category" tab in the window and select the menu (top right). By selecting "New" you can create a new main category. If you click on a main category in the list, you will see all the sub-categories. When you add a new entry, it will now be linked to the main category. You can change or edit the entries by selecting them.

Options
Use this menu point to select the first day of the month (e.g. when you get your salary). You can ignore all other settings at the moment.

 

Country settings
Choose a standard currency for your accounts and entries. At the moment you can only define one currency for all accounts.
In a newer version you will able to select a different currency for each account.

Creating an entry

Once you have configured the app you can add your income and expenses via the quick-access symbols on the status screen or by selecting the menu and the respective commands.

Either use a template or provide a title, the entry date and the amount and assign it to an account. Use one of the many criteria if you want to classify the entry. You can switch these criteria on and off in the settings, but you should use them to create meaningful statistics.

You can also create a recurring entry, by choosing a final date and frequency.

The final date for a recurring entry is automatically set to 4 years to give you a meaningful enough overview of your finances. You can change this date when creating the entry. Later on you can choose to end the recurring entry on any day, which will remove all future entries.

Finally, you can use the two switches "Watch" and "Clear entry". Use the "Watch" switch to add the entry to your watch list. The "Clear entry" switch is used to mark an entry as "paid", for example.

No category

A statistic is only as good as the categories you provide. This window shows you all entries that have not been assigned a category. You can edit the entries by clicking on them.

 

Latest entries

This window shows you the latest entries in each account. You can edit/delete the entries by clicking on them.

 

Detailed search

This window lets you search for specific entries. You can limit the number of results with filters. After the search you can edit or delete the individual entries.

 

Clipboard

This window displays all entries that were marked "Watch" in the entry editing window. You might choose this option if you still need to transfer an entry, or are waiting to receive it.

 

Pending

This list shows you all pending entries from each account. This feature can be activated in the entry editing window. You can edit/delete the entries by clicking on them. You can use this feature to compare the entries with a real account statement.

4. Frequently asked questions


Processing errors

If a processing error occurs when you enter an account or transfer, it might be a sign that the memory of your device (iPhone/iPad) is full. This means the app cannot start correctly. First close the app and then click on the bottom button twice (double click), so that the taskbar appears. Now you can see which apps are running on the device at this moment. Hold you finger over any one of the symbols for about a second. All symbols can now be moved to the left and right and display a minus sign at the top left. Delete all apps from the memory by clicking on this minus sign. Once all apps have been deleted, you can press the bottom button again. Now start the app and select "Settings". Once you have selected "Reset programme", the app should work as usual. This procedure is a generally applicable feature of Apple products.

Transferring files from the app 'My Money Easy'

Carry out the following steps to transfer your old data :

 

Select the "Settings" tab, go into the "Import / Export" menu and select the item 'My Money'. Enter a file name and then press "OK". This creates a file containing all of your data.

 

Use iTunes (Windows/Mac) to download this file from your iPhone. Connect your iPhone to iTunes and select the menu item "Apps" (at the top). If you scroll down you will see the option "Data release". Find the app 'My Money Easy' in the list and select it. The table on the right should now display the file that you created in 'My Money Easy'. Select this file and press the "Save as" button. The file will now be downloaded to your computer.

 

Copy this file into the new 'My Money' app by choosing the app from the list and then clicking the button "Add" in the table on the right. Select the previously saved file and transfer it to the new app.

 

At Apple this procedure is known as iTunes filesharing.

 

Then just start the new app and select the item "Back-up / Restore" in the settings (cogwheel symbol). In the iPhone version this symbol is in the navigation bar at the top left. The iPad version has its own tab (bottom). Once you have selected and imported the file, all entries should have been transferred. Some settings (such as the password) need to be adjusted manually, as the format has changed.

5. Feedback


We look forward to receiving questions and suggestions sent to us via the app. We are grateful for every e-mail we receive. The advantage is that we can immediately see the device (iPad/iPhone/iTouch), the iOS firmware and the software version. We make an effort to respond to all e-mails in person as quickly as possible. If there are any problems, please don't just write a bad review full of questions. As we cannot read all reviews, we won't receive your questions this way. A further problem is that we cannot react to a bad review. Many misunderstandings can be avoided by clarifying things per e-mail. Please also report small bugs instead of letting them affect your evaluation. No piece of software is 100% error-free. Thank you.