Labels – headings and descriptions to make the spreadsheet easier to understand. Formulas – calculations that update automatically if referenced data changes.

The spreadsheet completes the series and enters 'Tuesday' and 'Wednesday' for him. In the three cells beneath the label 'Description' he writes 'Paper round', 'Allowance' and 'Magazine subscription'.

Before you download any template, you can click on the link of the budgeting worksheet for a full description and screenshot of the layout to see if it will work for you. If you're not a big fan ...