The great thing about personal budgeting spreadsheets is they can easily be modified to fit your budget. You can enter the exact categories you use monthly for your income and your expenses. These categories can be really detailed such as having individual credit cards listed by name or they can be broad such as having one group named credit cards for all your credit card bills.
The support of calculations, wide range of functions, customization and programmability has transformed the way business used to work. Spreadsheets can improve not only business efficiency but also our personal life. We can use spreadsheets in a number of ways to improve our efficiency.