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Protection of formulae : How often have you forgotten to protect the cell contains the formula that took you hours to test and perfect. It takes one instance of honest human error, and that formula is gone.

You can also create a calendar with a spreadsheet application and keep it within your budgeting workbook. You can list dates bills are due and you can also use the calendar in accordance with your budget to plan for special items or vacations. Having everything in one place will make it easier to manage your finances and plan for the future.

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.

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.

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