Rent or mortgage, homeowners insurance or renters insurance, all utility bills, auto loan or auto insurance payments, gas for your vehicle, food for home, and so forth. Once again, these are items that you cannot live without.
If you find creating financial spreadsheets a task that is a little to advanced for you, do not fear. There are other options for you that can combine and even exceed all the features even the most advanced personal finance spreadsheets can offer. The other options such as personal budget software may cost more than a spreadsheet you create at first, but are also powerful enough to pay for themselves with the advanced budgeting features they provide.