I need like a spreadsheet layout type thing to manage my household funds. im lost and i need help!!!?

I( need a rough lay out of how to budget....

Keep it simple - use Excel

Open Excel.

At the bottom of the blank sheet you'll see a tab - right click on it and call it 'Variables'.

Cell A1 - Enter your monthly budget (just the figure, no letters or symbols)

Cell A4: Enter this title: 'Budget for XXXX 200X' Where X is the month and year

Go to row 3:

Column 1 - Date
Column 2 - Item
Column 3 - Cost
Column 4 - Who spent this money? (initials)
Column 5 - Category (use symbols - e.g: F - Food; C - Car; G - Gifts; E - Entertainment etc)
Column 6 - Cash (you put a tick in the cell)
Column 7 etc - Credit Card - a column for each one you have
Column whatever - Debit card etc
In the last column cut and paste this formula: =sum((A1-(C1:XX)) where XX is the last cell of row 3 that you have data in. This formula will give you how much you have left to spend.

When you've done this, copy this sheet by going to the tab at the bottom and right clicking - select 'make a copy'. Change the name of the tab on the copy to 'Fixed Outgoings'.

In this new sheet enter things like your mortgage or rent, car loans etc that are fixed and the same every month. Enter the values in the cells.

The sum in the total cell of this sheet is your fixed outgoing. Subtract this fixed monthly total from the value you originally put in cell A1 in the 'Variables' sheet. Cell A1 of 'Variables' now shows what you have left to spend every month.

With a bit of practice you'll get this right.

Finally - name the file by the month. On the first day of each new month copy the whole file and fill it in again. You'll build up a month by month account of your expenditure. Save all the files in one folder called 'My Budget'.

PS: If you've never used Excel don't be put off. Its pretty easy - you can make the cells any size you like and you can colour them in or change the fonts etc - so for instance, make your Total Cell a big one in a bold colour!

Quicken and you can find IT on EBAY

Microsoft Money or Microsoft Excell or Microsoft Accounting. These programs should be on your computer already, unless it is ancient.

Just use Excel, and divide your expenditure to each individual column and row. Use the HELP tool for assistance. It works quite well.

Excel