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.
Another way to use a spreadsheet program that has become popular is to re-create 8-bit graphics from childhood video games and turn them into larger-than-life scenes. It‘s very simple to adjust the row and column height so that it becomes a perfect square, and most of the 8-bit games lacked any sort of definition, shading, or blending making them even easier to turn into spreadsheet art. There is also a huge market for this sort of thing. People that grew up with those types of games are now into adulthood, and many of them love to share things from their past with their children, nieces, nephews, and anyone else that cares about it. There is a certain amount of whimsy to these characters as well, and this type of classicism will never truly go out of style.