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Regarded as a very effective and reliable means of data management, monitoring valuable financial data, as well as optimizing processes involving frequent data entry and manipulation, spreadsheet programs have rapidly become popular among businesses of all types and sizes.

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.

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.

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