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, 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.