I think it is best to keep a monthly budget instead of an annual one. This is because things change monthly. You might need to spend extra money for a holiday party in November and December, and so forth. So we are going to make a monthly budget. However, what you need to do is first consider all of your yearly bills. These are bills that you pay once a year only.
The support of calculations, wide range of functions, customization and programmability has transformed the way business used to work. Spreadsheets can improve not only business efficiency but also our personal life. We can use spreadsheets in a number of ways to improve our efficiency.