Re: budgeting
For me it is a case of whatever works. I suggested using Notepad and a calculator because that is the easiest and most accessible way to create a budget. However, I'll freely admit spreadsheets are nice and handy for a number of reasons.
As a matter of fact I do my finances in Libre Calc on Linux since it is free and comparable to Excel in functionality. The advantage of using a spreadsheet like Libre Calc or Excel over the text editor and calculator idea is that you can build formulas into the spreadsheet to do calculations such as add all of your deposits to your balance or subtract all the withdrawals from the balance. No need to manually do the calculations yourself. Plus depending on how you layout your spreadsheet there are specific columns for specific types of information which can and does make it easy to locate something quickly.
For example, let's say I buy $60 worth of stuff at Walmart. When I enter it into my spreadsheet under withdrawals I'
ll say Walmart, under amount $60, and then under the memo column
I'll give a one or two word description of the purchase such as groceries so I know what I spent the money on. That helps me organize the information so I can quickly go back and look where I spent my money, how much, and what it was used for. It is easier to look up things in a spreadsheet than in a text editor for the most part, and I prefer having it laid out in nice neat rows and columns myself.
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