It is easy to create a budget for your personal finances, but it is not as easy to always stick with it. For that reason, it might take you a few months before the total you are actually spending matches up with the recommended amount from your budget. This is okay if you are not in debt because there is no rush. However, if you have creditors calling your home at all hours of the day, it might be within your best interest to meet with a debt relief counselor or to schedule and appointment with your financial advisor.
Spreadsheets are perhaps the most used software program in the workplace. The history of the use of spreadsheet is very old. People use to keep information in tabular form at the time when personal computers were not even invented. It goes without saying that the electronic spreadsheets have given a well and truly new dimension to data keeping and analysis.