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These are the pros and cons of selling spreadsheets. The real beauty in this idea is that you could do the work once and there is no limit to how much you can earn, especially with effective use of the internet and other mass communication tools.

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.

Spreadsheet: A table of rows and columns, free for the entry of data, or formulae for calculating actions on those data. Each row or column is said to contain many 'cells' and these cells serve as 'homes' for every shred of information.

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.

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