A spreadsheet is use to perform calculation horizontially or vertically. The layout of spreadsheets are columns and rows. Information is entered in either the column or row according to the fields (headers) you have inserted at the top of columns or rows. For example if you want to track spending. You might set up a spread sheet with the following data down the side of the spread sheet (wages, food, utilities, etc…) and along the top of the spread sheet you can insert paydays (1st, 15th) and so on. As you enter the expenses in the appropriate columns, you want keep an on going total. You can elect to have the spread sheet total down, all the items for that pay period and across to determine what you are spending in each category. You can also add a chart to give you an overview of your spending patterns.