Money, without a doubt, is necessary for life. Basic living expenses need to be maintained for a reasonable quality of life—which can be attained by most people if they manage their finances correctly. One of the best methods for managing personal finances is to create a budget. Creating a budget can help keep your finances organized while controlling the amount of debt you might require to live the way you want. Budgets help you plan for your monthly expenses, activities, needs, and even your financial future. Managing your personal finances can appear to be a daunting task, but it doesn’t have to be—budgeting and personal finance spreadsheets are readily available online. Personal Finance and Spreadsheets Dan Bricklin and Bob Frankston created the first financial spreadsheet program in 1979. Since then the technology has been adopted by businesses, banks, and governments, who use spreadsheets for creating budgets, tracking spending, and creating reports for their financial… read more