Focus on managing your budget, not creating a spreadsheet to do so. For a great start, check out these best Excel budget templates for most any type of budget.

Microsoft Excel offers a wealth of pre-built templates that simplify this process, providing a quick and efficient way to track income and expenses.

1. Try negotiating. If you thought the amount owed on a bill was set in stone, think again. As it turns out, "you can often call customer service at providers such as your cable, internet or phone ...