I created a very useful (to me) spreadsheet in Excel a few months back, and have improved it every month since. I am so proud of it, I have decided ot offer it to my friends as a free download. This is a copy of it with pretend number thrown in purely as an of how you might use it, after you delete the word FAKE off of it. If you are my friend, you may download it and use it. If you are not sure whether the above category applies to you, ask the webmaster at changa.org I'm sure he'll let you know.
You will notice that not everything automatically trasfers over from the previous month (actually, nothing does, you even have to edit the "previous field manually to point it to the correct month). I consider that a feature rather than a bug, because my balances are never going to be ##last month minus payment##. Don't I wish.