Everyone needs an Excel personal budget plan for themselves at some point. It is just a fact of life that this is the way that things have to be. If you find that you are in a position to use an excel personal budget plan, then you should absolutely take advantage of that opportunity.
After all, there is nothing that is holding you back from doing so, and the benefits of this Excel personal budget plan greatly outweigh the time that you have to put into it. It will be able to show you the places where you could spend less money, and that will help you to save much more.