<prompt> Human: Im 23 years old and currently make 600-800 every 2 weeks while attending school full time . My monthly expenses are between 500-600 and currently have about 300 in credit card debt. Are there any tips , spreadsheets if so how to do them , or techniques I should know in order to save efficiency as well as trackcut my expenses . Thank you in advance  <response>: Google Sheets has a monthly budget template with the formulas already in place. I just started using it and its pretty simple to use. 