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Home Budget enables you to set up a record of your estimated monthly expenses and income and work out your finances for the year ahead.

You are allowed up to ten categories of expenditure, which will cover the main items but means that a degree of grouping is necessary in order to encompass all expenses.

Having set up your forecast for the year, options include displays of monthly results, year end totals and histograms, and saving, verifying and loading to and from tape (using a six-digit security code - which seems a bit like overkill for a *personal* banking scheme.)

Two very good points about this program are the facility to convert forecasts into actual expenditure, say at the end of each month, and see the 'knock-on' effects on the rest of the forecast, and the ability to 'roll' the forecast year forward at monthly or greater intervals.

As personal banking systems go, this one is better than most.

K.P.