If you are experienced with spreadsheets you can also add extra features such as the ability to create graphs from the data you entered. Graphs make it easy to get a quick view of your current financial situation. The graphs will allow you to easily spot trends and areas that are in need of attention in order to keep you on budget.
Now, you need to go ahead and total these items. You are on the right track if you spend less than you make. This gives you extra money each month. Now, if you are indebted to the credit card companies, you want to take this extra money and apply it towards paying off your total owed. If you are not in debt, you can go ahead and squeeze a few unnecessary purchases into your personal finances budget, but there are still benefits to saving the money.