Two spreadsheets are readily available. They might also be published and distributed as a way to supply documentation or records. Excel spreadsheets and Access Programs let you personalize the way your information is listed. Having recorded your spending and earnings, you can begin to observe where you've got money left over or where you are able to cut back so you have money to put toward your aims. Obviously, if it is the case that you opt to spend less, you may use the additional money to the other components of your financial plan instead. You may be surprised at how much additional money you collect by making one minor alteration at a moment.