It’s January and you’ve gone and done it: You’ve resolved to keep better track of your personal finances. But deep down, you’re not sure where to start. Sure, you can buy accounting software, sign up ...

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 ...

Free spreadsheet apps are a cool idea, as long as you’re comfortable with their limitations. Many are ad-supported, for instance, so expect part of your screen to be trying to sell you something.

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.