52 Week Xcell Budget Spread Sheet
I will send you a fully interactive budgeting sheet to help keep you on track. It is all set up with 11 spaces for "necessary"expenses and 4 "optional" expenses. Just put in your expenses and income and it will automatically calculate how much you have left, or how much over budget you are, and keep a year long running total. The hardest part of using this is setting up the formulas, and that has been done for you!
Training & Qualifications
I have used this kind of spreadsheet to keep my own finances in check.