Almost everything in life requires a plan. Everything from going to the grocery store to planning out the largest aspects of your life. With this in mind, you might want to put together a generic financial plan on the excel program in order to give yourself a little peace of mind about how you can move forward financially speaking.
You can use the excel program to give you some ideas about where you could be saving more, or where you could invest more. The generic financial plan will give you something that you can look at each day to motivate yourself to make more and do better financially.