Maximizing Your Monthly Budget Spreadsheet This Monthly Budget Spreadsheet comes with an instructional guide designed to help you maximize the use of the sheet, analyze your personal expenses, and set financial goals. It's an ideal tool to help you track your money, manage your expenses, and analyze where you can save. • Envelope Icon Feature: Next to some expense items, you will see an envelope icon. This is an optional feature that allows you to set aside money for certain expenses, so you don