Two spreadsheets are easily obtainable. They might also be published and distributed as a means to supply documentation or records. Excel spreadsheets and Access Programs let you customize the manner that your information is recorded. Having recorded your spending and earnings, you can begin to observe where you've got cash left over or where you are able to cut back so you have cash to put toward your aims. Obviously, if it's the case that you opt to invest less, you can use the additional money to the other components of your budget instead. You could be surprised at how much additional money you accumulate by creating one minor adjustment at a minute.