This may sound a little unfair. After all, a standard Microsoft installation would include something called Equation Editor. Suffice to say, it wasn‘t advertised in the promotional videos. Software like Matlab was considered vastly superior and had the added advantage that you could analyze the equations as well. Anyway, the good news is that Microsoft has taken a big step forwards with Office 2010 and it‘s now possible to correctly display formulas in a pretty painless fashion. In Excel 2010, you should select the Insert ribbon, and click Equation. This creates a textbox and brings up a whole new ribbon with options for inserting equations. As well as providing easy access to the main Greek symbols, Microsoft have provided quick access to a number of simple functions, such as fractions and exponentials.
The regular payments you have so far found will form the core of your household budget. You can now turn those into a formal list, either on paper or on a spreadsheet, and put the amounts into the next column, with a heading notifying the month. Before moving on to the next phase, add a further 11 columns on the paper or spreadsheet, with the headings changed to appropriate months until you have a column for each calendar month for a year. I have prepared an example budget spreadsheet to help you.