Experienced Excel users will appreciate that textboxes default to having a border and white background. That‘s because they are often used to add comments or guidance to a user and so have to stand out. Otherwise a user would be foolish not to type words directly into the spreadsheet‘s cells. As equations can only be created in textboxes, the default settings are somewhat different; there is no border and no fill.
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.