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, and other spreadsheet programs, are becoming more and more popular to create pictures. These programs have become more popular primarily due to their being on just about every computer out there. They are readily available, and fairly cheap, all things considering. They also don‘t require much computer knowledge to operate, and even less artistic skill to use. So how exactly are people using this program to create a masterpiece? Simple; it‘s all about choosing the right colors and filling in the boxes. Just print out a color copy of what you want to make, draw a grid on the paper, and fill in the corresponding spreadsheet box with the appropriate color. It‘s kind of like a paint-by-number. Most people aren‘t creating new works, they are re-creating more famous ones.