Open a spreadsheet app
Create a new blank sheet
Rename the sheet to Budget
Set up columns for Category, Planned Amount, Actual Amount, and Difference
List income sources in one section
List expense categories in another section
Add formulas to total income
Add formulas to total expenses
Subtract expenses from income to calculate net balance
Format currency cells as money
Highlight important totals
Review and update amounts regularly
Save the spreadsheet
Back up the file