"On the spreadsheet, I was able to track my bills, get a handle on my cash flow and identify wants vs. needs when it came to spending," she says. Spreadsheet programs like Excel and Google Sheets are ...

Tracking your spending is often the first step ... Whether it be to cover groceries, pay rent or go toward your credit card bill, users allocate every dollar they earn to something so no dollar ...

On a sheet of paper or spreadsheet, list each of your monthly ... If you never learned how to track and pay your bills, ...