Budgie

What is it? Budgie is a minimalist envelope-style (you can only budget the money that you have), YNAB-like spreadsheet for Excel. (enlarge image) How do I use it? Getting Started Envelope-style budgeting in the real world works like this: you take the cash that you have and you earmark them in separate envelopes. So if you have an envelope labeled "Groceries," you use that money to spend on groc…