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You may also want to track your current spending on one sheet with columns for different categories. Some individuals will list the budgeted amount in one column and then list the actual amount spent in the column next to it.

A winning spreadsheet could make you a fortune. If you could effectively identify what many people want and are willing to pay for, and can make your spreadsheet easily accessible, you could be cashing checks for the rest of your life.

You may want to create a workbook with multiple sheets for various aspects of your budget. You can have one sheet that keeps track of savings and investments and another sheet that lists your monthly bills.

Today, there are a large number of options to choose from. The downside to upsizing your spreadsheet to a database system is that databases require fairly in-depth knowledge, especially with regard to extracting data in queries, form construction and reporting.

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