Starting a budget is the single most important step a person can take towards securing financial stability for themselves and their family. Regardless of your income level you must have a plan to manage your money or your money will inevitably end up managing you. If you want to stop struggling every month and are ready to start living within your means then you’ve come to the right place. The most important thing you have to do in order to begin living responsibly and start a budget is be ready and willing to put the time and effort that is required to start changing your spending habits.  The next thing you need is a way to set up your budget and track your spending. Now there are many programs out there that offer to do just that for you, but at anywhere from $30 to $60 each do they really have YOUR financial best interest at heart?

When I was looking for a program to help me start a budget I tried almost everything out there and couldn’t find one that was the right fit for me. I wasn’t going to spend $50 when I was already broke. I looked at some of the free offerings, but these were all online services which meant your info was stored on someone else’s computer and that just didn’t sit well with me. So after giving up on finding a program that was everything I wanted, I started to notice that most of the people who run financial blogs and websites seem to use Excel to manage their finances.  Well I knew Excel pretty well and decided to give it a go. I wanted it to perform like a program not a spreadsheet, and after a lot of work My Budget Creator was finished.

While it is an Excel based spreadsheet at heart, it performs more like the expensive programs out there. It has all the features important to setting up a budget and tracking your spending. And most importantly its available at a price accessible to everyone, just $4.95.

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