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Instead, here are nine completely free, simple-to-use budget templates and spreadsheets that are available to download right now. 1. Microsoft Excel Personal Monthly Budget Spreadsheet
Kingsoft Office Spreadsheets 2012 – For MS Windows. Both free and paid versions are available. It can handle Microsoft Excel .xls and .xlsx files, and also produce other file formats such as .et, .txt, .csv, .pdf, and .dbf. It supports multiple tabs, VBA macro and PDF converting. [10] Lotus SmartSuite Lotus 123 – for MS Windows. In its MS ...
LibreOffice Calc is the spreadsheet component of the LibreOffice software package. [5] [6]After forking from OpenOffice.org in 2010, LibreOffice Calc underwent a massive re-work of external reference handling to fix many defects in formula calculations involving external references, and to boost data caching performance, especially when referencing large data ranges.
Google Sheets is a spreadsheet application and part of the free, web-based Google Docs Editors suite offered by Google. Google Sheets is available as a web application; a mobile app for: Android, iOS, and as a desktop application on Google's ChromeOS. The app is compatible with Microsoft Excel file formats. [5]
Key takeaways. Personal financial management (PFM) uses technology to help consumers navigate their everyday finances, including budgeting, tracking expenses and investing for retirement.
The authors advocate dynamic portfolio management using CAPE to estimate the yield on equities, and allocating a portion of a portfolio to inflation protected bonds such as US TIPS (Treasury Inflation-Protected Securities). On historical data, this strategy outperformed a 100% allocation to equities, with lower risk.