Dana Miranda is a Certified Educator in Personal Finance, creator of the Healthy Rich newsletter and author of You Don't Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money ...

This financial spreadsheet makes it easier to monitor your finances, assess where you are financially right now and determine how much money you have or need for your future.

Have you ever opened an Excel spreadsheet and felt instantly overwhelmed by cluttered data, mismatched fonts, or confusing layouts? It’s a common frustration, yet so many of us accept it as the norm.