I have created a spreadsheet that enables me to track all of my financial tranactions for the current month and as many months in the future as I desire. It is like writing in a checkbook but there is no math involved. Using this spreadsheet, I won $3,000 in a debt payddown contest last year. If interested, email me at [personal info removed] and I will send it to you. Using this, I just caught the cable company increasing my monthly bill without notification - got that cancelled. Once completed you may have stress as to where needed money will come from but with this you will know how much is needed.
Spreadsheets are really great for a lot of things, I use them a lot. For personal budgeting and expense tracking I suggest you look a a program like Quicken.
