A second option that is available is the Update Changes option. This function simply allows you to define how often the spreadsheet changes are updated. The most common element users use is the Update Every 15 minutes. What this does is to force a save and filter through the data to all the users. One point to consider is that if you workbook is relatively large and you are working on a slow computer you may want to increase that time to 30 minutes. The last area of concern is the Save Changes function. This defines whose changes will override who‘s. There are two options available which say, Ask me Which Changes Win and The Changes Being Saved Win. Which option you choose really depends on the type of workbook you have created.
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.