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Category : Spreadsheet.

Topic : Managerial decision modeling with spreadsheets 3rd edition answers.

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The great thing about personal budgeting spreadsheets is they can easily be modified to fit your budget. You can enter the exact categories you use monthly for your income and your expenses. These categories can be really detailed such as having individual credit cards listed by name or they can be broad such as having one group named credit cards for all your credit card bills.

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For example you can set up a spreadsheet to work out the true cost of running your car, including such invisible outlay as depreciation and wear and tear. All you have to do is explain the task to the program once and it will do all the hard arithmetic for you, month after month, year after year.

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To understand from the start you have to know it is a grid of cells. The columns are like the columns in a ledger. You can use them to make lists of figures and perform calculations. Each column is identified by a letter of the alphabet and each row by a number.

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