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Early databases available for the PC market were simple two-dimensional solutions and were essentially designed as a record-keeping system. However, when computing power increased, the advent of the relational database became an affordable option. Applying the rules proposed by Edgar Codd, the Database Management System (DBMS) became a reality, with products such as dBase being widely implemented in the desktop market.

If you have Microsoft Excel, you can create budgeting spreadsheets to help you manage your money. Instead of buying expensive software that will only be used for your budget, spreadsheets can be used for a variety of tasks. If you don't have Excel, you can find free spreadsheet applications online in which to manage your budget.

Not dynamic : Data ranges become redundant when new records are added, resulting in established formulae needing to be altered. Overlooking these errors can be embarrassing and downright expensive, especially if important decisions are being made based on the data.

Spreadsheet templates are used for many reasons and each template vary according to the purpose it is used for. Spreadsheets are designed with different calculations depending on various needs.

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