Thirdly, you can start use a spreadsheet program to schedule your time or organise all kinds of stuffs. You can use it to un-clutter you life by having different checklist on spreadsheets. After you learn the basics of spreadsheet programs, you can come up with more creative ways to use it in your daily life. You can even use a spreadsheet program to assist your weight loss plan. Use it to record your daily food intakes and you weight.
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.