Dana Miranda is a Certified Educator in Personal Finance, creator of the Healthy Rich newsletter and author of You Don't Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money ...

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Spreadsheets are not for the faint of heart. Oh, they may look innocent enough with all those harmless little boxes. But simplicity is just a ruse. Those boxes ache to be filled, and if you aren’t ...