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When VisiCalc hit the scene back in the eighties (in the last century), the relatively small group of Apple II users went crazy. It was like manna from heaven for the poor accountants, scientists and engineers who were used to filling in enormous analysis sheets with a pencil. Now, they could use VisiCalc to do the same task, AND calculate the result automatically.

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.

One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.

Once you design the type of budgeting spreadsheets you want to use, it will be easy to copy it for subsequent months or years. You can also use just one sheet and create tabs for each month.

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