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"Whether you're venturing out on your own for the first time or just realizing you need to get your personal finances under control, one thing is certain - you need to budget. If you are trying to create a personal budget, a good place to start is our free personal budget spreadsheet template in Excel, which you can download below. Creating a budget spreadsheet was one of the first things I ever used Microsoft Excel for. Although I am an avid Quicken user now, I still use Excel when I work with my budget. If you are just getting started, read How to Make a Budget and 5 Basic Budgeting Tips."