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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.

Microsoft Excel 2003 has become the spreadsheet of choice for over 80% of corporate businesses around the world. One of the clear advantages of using Microsoft Excel 2003 over other spreadsheeting programs is the ability to have multiple people entering information into the same spreadsheet. This function in Microsoft Excel is called Shared Workbooks and we will go through how to setup this capability in this article.

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