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A good starting point in your quest to make a home budget, is to take stock of your current and recent situation, and list out all your monthly outgoings. If you only do this from memory, there is a chance you will miss one or more important items. You probably have several sources of information on what those regular outgoings are, and whether they are easy to find depends on how well organised you are with your paperwork. It is worth checking back over at least three months bank and credit card statements, and jot down what your regular payments are out of those. At the same time, you can also make a note of items of expenditure that may recur later on.

Microsoft Excel, and other spreadsheet programs, are becoming more and more popular to create pictures. These programs have become more popular primarily due to their being on just about every computer out there. They are readily available, and fairly cheap, all things considering. They also don‘t require much computer knowledge to operate, and even less artistic skill to use. So how exactly are people using this program to create a masterpiece? Simple; it‘s all about choosing the right colors and filling in the boxes. Just print out a color copy of what you want to make, draw a grid on the paper, and fill in the corresponding spreadsheet box with the appropriate color. It‘s kind of like a paint-by-number. Most people aren‘t creating new works, they are re-creating more famous ones.

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