Now, you need to go ahead and total these items. You are on the right track if you spend less than you make. This gives you extra money each month. Now, if you are indebted to the credit card companies, you want to take this extra money and apply it towards paying off your total owed. If you are not in debt, you can go ahead and squeeze a few unnecessary purchases into your personal finances budget, but there are still benefits to saving the money.
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.