Article: It's a dark-green app with a white "X" on it. You'll find this in the upper-left side of the page. On Mac, skip this step if a blank Excel presentation opens when you open Excel. Starting with cell A1 in the top-left corner of the sheet, enter the following:   A1 - Type in "Date"  B1 - Type in "Expense"  C1 - Type in "Cost"  D1 - Type in "Income"  E1 - Type in "Balance"  F1 - Type in "Notes" In the "Expenses" column, type in the name of each expense that you know of (or anticipate) for at least a month, then enter the cost of each expense in the "Cost" column across from the pertinent expense names. You should also enter the date to the left of each expense in the "Date" column. You can also just type in a month's worth of dates and only fill in the cells in which you have expenses. For each date, enter the amount that you'll earn on that day in the "Income" column. If you won't earn anything, just leave the cell for that day blank. Taking into account how much you've spent and how much you've earned on any given day, enter the remaining total in the "Balance" If any payment, balance, or day has a different outcome than usual, make a note of it in the "Notes" column to the right of the row in question. This will help keep unusual or large payments easy to remember. You might also type "Recurring" next to a row containing an expense for a subscription or a monthly (or weekly) service. Click the first empty cell below the "Cost" column, then type in the following: =SUM(C2:C#) where "#" is the number of the last filled cell in the "C" column. Press ↵ Enter when you're done to enter the formula and display the total cost of all of your expenses in this budget. You'll use this same exact formula for the "Income" and "Balance" fields as well, except that you'll use "D" and "E" respectively instead of "C". Once your budget is complete, you just need to save it on your computer. To do so:   Windows - Click File, click Save As, double-click This PC, click a save location on the left side of the window, type the document's name (e.g., "Personal Budget") into the "File name" text box, and click Save.  Mac - Click File, click Save As..., enter the document's name (e.g., "Personal Budget") in the "Save As" field, select a save location by clicking the "Where" box and clicking a folder, and click Save.

What is a summary?
Open Microsoft Excel. Click Blank workbook. Enter your budget headers. Enter at least a month's worth of expenses and dates. Enter your income. Enter your account balance. Add notes. Enter the calculation formula. Save your personal budget.