// -------------------------------------------------------------------
 // Constructor (existing budget ... must specify file)
 // -------------------------------------------------------------------
 public HomeBudget(String budgetFileName)
 {
     categories = new CategoriesManager();
     expenses   = new Expenses();
     ReadFromFile(budgetFileName);
 }
 // -------------------------------------------------------------------
 // Constructor (new... default categories, no expenses)
 // -------------------------------------------------------------------
 public HomeBudget()
 {
     categories = new CategoriesManager();
     expenses   = new Expenses();
 }