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"Over_used/Over_spent"(Losses) and "Under_used/Under_spent"(Savings) _ on a monthly basis based on data entered, the program also automatically plotted charts showing trends over a 12 month period.

For the purpose of creating custom financial and business management solutions that solve your identified problems, and give you control/ownership, without burning a hole in your pocket, Excel VB offers an amazing variety of possibilities, in the hands of an adequately skilled user.

Custom spreadsheet solutions which survive long after the developer has "left the scene", are often those which users accept because they discover it _ among other benefits _ makes their work quicker and easier to do. That is why the best person to develop such solutions tend to be one who works in that area, and is therefore familiar with the way the manual system operates. S/he would have an "insider's" perspective of the best way to introduce automation other users will readily adopt _ even as it solves the identified problem(s).

From this point on, I will refer to only one of the above mentioned applications, because it is my preferred work environment. That is Microsoft Excel. I believe users of other spreadsheet applications will be able to adapt whatever I say from here for use in their own peculiar environments.

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