We can use it as diary and record all important activities, to do list etc. These days spreadsheet is one of the most common program which you can find almost everywhere, be it personal computer, PDA, and the like. Such an easy availability and supports give you sheer freedom to view your data, no matter wherever you are.
It is easy to create a budget for your personal finances, but it is not as easy to always stick with it. For that reason, it might take you a few months before the total you are actually spending matches up with the recommended amount from your budget. This is okay if you are not in debt because there is no rush. However, if you have creditors calling your home at all hours of the day, it might be within your best interest to meet with a debt relief counselor or to schedule and appointment with your financial advisor.