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.
You'll need to find a way to make your spreadsheet accessible. You can build a website, which will require paying for a domain, hosting, site security, dealing with an internet transaction service, graphic design, content for the website, marketing your website, Search Engine Optimization, and all the other madness that comes with managing a site.
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.
Over time, the spreadsheet grew into what we see today, in the form of Microsoft Excel and a number of similar products on the market. The power of the spreadsheet has grown almost exponentially, allowing the user to create customised formulae, charts, pivots and so on. Worksheets can be linked and updated automatically.
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