This budgeting tool is a spreadsheet that has been instrumental in my students learning income versus outgoing expenses. The spreadsheet automatically adds up and subtracts income and outgoing expenses making it user-friendly. Furthermore the necessity expense columns such as rent, utilities, cell phone bill and savings are pre-set teaching the students of independent living expenditures. This can be used to create a conversation/lesson around the cost of these necessities. The most popular enjoyment expenses are also pre-filled which will allow students to discover how much they spend on movies, video games, eating out, etc. I actually use this budgeting tool from my own personal monthly money management.