This program can be used for personal budgeting, to teach budgeting to students or adults, or to teach excel spreadsheet functions. There is a main menu that allows you navigate easily between components. This is a very comprehensive budgeting program that lets you set your income, expenses in the actuals necessities page. Filling this in will actually fill in each monthly tab totals. In this program you can set spending goals in the goals necessities and extras pages which will flow over to