There are also a couple of sheets to help you manage your expenses and budgets ... on the spreadsheet to see how much further ahead you can get (and how much money you can save) if you plan to pay it ...

But unlike most, I track my own expenses using a good old-fashioned spreadsheet. Many apps brand themselves ... The problem is, no software is perfect and budgets are unique to your personal financial ...

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A reader wants to know how a term insurance payout should be invested for the family's welfare upon his demise. As is well ...