Know enough about the basics of Excel to create spreadsheets with basic “functions” . Although retired, I do use Excel for listing, managing and explaining our basic household finances to our account and financial advisor.

When seeking a simple budget manager for us, I came across Tiller. I like it because it:

• automatically pulls data from credit cards and bank accounts
• allows us to establish our own budget categories and amounts
• save management time by auto-categorizing select recurring transactions
• provides some basic analysis reports
• has a community of spreadsheet wizards that can add to the reports sheets.