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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.

Most spreadsheet applications have built in formulas and functions that will do the math for you so you don't have to. You can keep a running balance of your accounts and you can have each category totaled as well. You can keep it as simple or make it as sophisticated as you please.

From businesses to non-profit organizations, spreadsheets are used in different sectors, ranging from Entertainment to Culture to Education and to Health to name but a few. With the emergence of home-based businesses and an increase in the number of entrepreneurs in the marketplace, such software is now highly sought-after among home users as well.

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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