MS Money for 95 confusion

I am attempting to use MS money for 95. I am reading the online doc and also a sorta For Dummies tutorial of MS money that came with the system.

I have a checking account and I use a debit card. So MS money for Dummies has me create a checking account along with a Line of credit account for keeping track of debit card transactions that links to my checking account, I guess. That is my understanding anyway. Whenever I go to use the line of credit account to record a debit card purchase I made, it keeps adding my input to the balance, rather than subtracting it. Even looking at both docs I have on this I'm still baffled. My Cash on hand account seems to work fine, subtracting the amount I have input in the machine. Can someone give me a clue here?

OK new development. After fiddling with MS Money, it seems when I choose the 'credit' tab then it deducts from the amount. Which to me is confusing, because I would be thinking a credit TO the account. Like a deposit. But if you use the CHARGE option, then it keeps adding whatever you input to the balance.

Ah well. I'll have to read the docs some more. *sigh*


From the MS Money tutorial I have:

How do I know which transaction type to use?

The transaction types should be fairly self-explanatory in most accounts. Types like Check, Cash Machine, Spend, Charge, and Decrease all refer to money that’s going out. (The only exception is with a loan or liability. With these, a decrease is money coming into the account, since it’s decreasing the amount still owed.) Types like increase, deposit, credit, and receive all refer to money that’s
coming in.
***

In my line of credit account I use for my debit card transactions I have the 'Charge', 'Credit' and 'Transfer' tabs to choose from. it seems I have to use the 'credit' tab to show a decrease in the balance when I want to record that I've bought something with it. But its apparently not suppose to work that way according to the above paragraph, or by my way of thinking. When I use the 'Charge' tab whatever I input is added to the balance. Maybe I'm a little slow, but I'm just not getting it.

I'll post some screen shots.

The Clip01 is from a example checking acct.

This screenshot (clip02)is from an example debit card acct. I've created that supposedly will be drawing off the checking acct. So you can see the tabs and fields that I have to work with and perhaps what I am talking about. Thanks for any help/insight/clarity anyone is willing to offer.

 

a credit is to subtract as to buy something. debit is to deposit. don't let the fact that you have a debit card confuse you. it is still a credit card in a sense. so when you make the transaction use credit. or you can download the money 2004 trial it has support for debit cards. which is different. I use it for my checking account it's a wonderful program.