You can always go back and learn the rest of them as you need them or when you have mastered the various formulas you are using on a regular basis. There are many different formula used in Excel to create spreadsheets and manipulate the information you place within them. Over time and with a fair amount of studying, you will come to understand how to use them all. Technology has changed so much since last century and all of us who live in this competitive age are forced to use it. How exactly can you fully utilise technology so that gain the maximum benefits from them?
Going over what you have spent over the last quarter will cover most if not all of your regular payments. However, it is important to think about whether you have any quarterly, annual, or new commitments that may not have shown up in your previous search. This part of the process in making your budget should give you a list that includes utilities (eg water, electricity, gas and telephone), insurance payments, mortgage and loan repayments, and credit card payments.