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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.

If a user tries to open a Workbook that is already open, then they normally get a message saying that the File is locked by a certain user and would you like to open the file in Read only mode. However, you can open a workbook in shared mode by following these steps. First open the file that you want to share, then once the workbook is open, go to the Tools menu and choose Share Workbook from the drop down menu. The Share Workbook dialog box will now appear. To enable sharing, you simply click once on the Allow Sharing check box, so that it has a tick. Once you do this other people will now be able to use your Excel workbook whilst you are working on it.

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