Build a beginning Excel Spreadsheet for a monthly budget. Include a row highlighting monthly income followed by 10-15 spending categories (e.g. housing, food, savings, medical) -include a column for projected costs and a second column for actual costs. Write two paragraph report analyzing rate of expenditure. 

Consider if your projections were over or under the final costs, by how much, and for what reason. 

List unexpected costs, including reason for surprise. 

Conclude with a projection of one way to decrease spending. Submit spreadsheet and written report.