Spreadsheets are perhaps the most used software program in the workplace. The history of the use of spreadsheet is very old. People use to keep information in tabular form at the time when personal computers were not even invented. It goes without saying that the electronic spreadsheets have given a well and truly new dimension to data keeping and analysis.
The great thing about personal budgeting spreadsheets is they can easily be modified to fit your budget. You can enter the exact categories you use monthly for your income and your expenses. These categories can be really detailed such as having individual credit cards listed by name or they can be broad such as having one group named credit cards for all your credit card bills.