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The New York Times wrote that it's "not the kindest of terms." [3] IBM's initial online annual report was "standard brochureware: sticking the print annual report on the Web;" the third year they made it "easy to navigate" and added features to enable viewers to "create charts slicing the company's figures any number of bean-counting ways."
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