Just as with HTML editors, various open-source software programs have sprung up to provide an alternative to the dominant player, Dreamweaver in the case of website editors and Microsoft office in the case of office application suites. Whereas in the webpage authoring arena you have NVU, SeaMonkey and KompoZer, in the office application suite you have LibreOffice (formerly called OpenOffice) and NeoOffice.
For each of the items listed, decide whether they are monthly, quarterly, or yearly, payments, then repeat the monthly amounts in all the columns that apply. For example, monthly payments will go in all 12 columns but quarterly in only in the four columns when payment is due. The next stage is for you to consider what other necessary expenditure will come out of your income every month. These other expenditure items probably do not show up as regular payments in the first stage, though individual payments may. These items may include food, household goods such as detergents, car maintenance, petrol (gasoline), and fares, which are essential to you, and you need to budget for each month.