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.
Microsoft Excel is a fantastic tool for analyzing scientific data. Microsoft Word is a fantastic tool for writing up scientific research. So surely Microsoft Office is the only software a scientist would ever require beyond that associated with specialist scientific apparatus? Unfortunately, that has never been the case and most university researchers would identify one big problem with the Office suite and that is why it‘s always been difficult to present formulas in Word and Excel. Even when you type a simple fraction like 3/5, it gets presented on a single line. As for Greek symbols like pi...well, that would mean many hours wasted trawling through Excel‘s Insert Symbol menu.