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 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.
Rather than having to go through the pain and suffering of learning a new technology and having to experience trial and error development, the best route would be to acquire the services of a consultant, who can identify your needs and create a customised solution. Obviously, the cost of such a project would depend on the size and complexity of the spreadsheet and your requirements. However, you might be surprised at how cost-effective this project would be.
Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
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