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Just wanted to share a recent discovery (for me) that has become a great tool. Google Spreadsheets. They have a number of spreadsheet templates for different applications that you can use. I used the one for personal budgeting as I'm trying to juggle retirement income/investments with pension and social security. It really helped me to pull all the numbers together in a way that I can get a "snapshot" of my income and outgo. They do the math for you and they are almost 100% adaptable for your needs. You can change things in all the cells to suit your needs. To find them, just go to the google home page, click on "more" in the upper left, then click on "documents" and choose "spreadsheets". they also have 100's of other templates for various tasks. It's really a terrific tool and I found out about it quite by accident.
These are good. For those of you which have Microsoft Excel, they also have templates available. Both professional and user-submitted. I find them to be very useful.
for budgeting tools, mint.com can't be beat for free tools.
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