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If you're looking to achieve a greater return on your money as well, here are the three best places I've found to keep your cash working hard, along with a comparison of what might work better for you. Self Employed Tax Deductions Today. Personal Budget Spreadsheet Template for Excel. If you've just entered the real world as a newly independent adult, or you've been spending more than you can afford, it's time to figure out a budget.
To get started, you can use my free personal budget spreadsheet template in Excel to track your income and expenses using a common set of budget categories. You can easily change the categories as needed. If this is your first time trying to create a personal budget, you may want to read the article "How to Make a Budget. "