If you’ve set up your own spreadsheet or use any number of the Excel budget templates you can find online, that’s awesome. If I had to guess why so many are using Excel budgets, it’s probably for the convenience of not having to log in to a website and/or not really wanting to share bank account information that’s required for many of the online services. I’m not sure why this surprised me as much as it did, but I guess I just thought that most millennials were using the same kind of online budgeting tools that I’m using. One of the most interesting things I’ve noticed since I started running M$M has been the large number of readers who actually use Excel spreadsheets to create their budgets.
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