One of the biggest steps toward leading a stress-free life is financial independence. This simply means having total control over your money – both the money that you acquire and the money that you spend.

Money is a need, and pretty much like the air that you breathe, you cannot live without it. Money is necessary to buy food and clothes, pay mortgages, pay taxes, and so on and so forth.

But, you don’t really need a lot to survive and be successful. You just have to be at the helm of your finances with the aid of some tools. If you’re making a mess of your budget, a personal finance spreadsheet can come in handy.

Such financing tools run parallel to the Microsoft Excel that you see on your computer, only that a finance spreadsheet is specifically tailored to meet the financial needs of an individual or a business.

If you’re not a computer savvy person and personalizing a spreadsheet is too much of a hassle for you, there are plenty of free personal finance spreadsheet templates available online. Searching for a good spreadsheet template, however, can be tricky because there are communities of sploggers who are really good at cornering the search results on the Internet. A splogger is a person who plagiarizes contents taken from another website.

If looking for a good spreadsheet template is too gargantuan of a task for you, you can get rid of all the hassles because websites such as Vertex42.com, mdmproofing.com, and PearBudget.com allow you to download the best personal finance spreadsheet templates available online.

Vertex42, mdmproofing, and PearBudget all have a huge collection of spreadsheet templates and other financing tools that can make life easier for everyone. You will find all sorts of templates, from one that can help you with household budgeting to one that can assist you with tracking your debts. They give the most effective solutions to personal finance troubles that even the most well-known finance calculators cannot truly solve.

You don’t really need to have the brains of an accountant in order to understand what a spreadsheet is and how to use it. All you’ve got to have is the dedication to get financially capable and the willpower to control your finances. Besides, personal finance spreadsheets are just computer applications. At the end of the day, how you manage your money will dictate what kind of life you’ll have in the future.