As someone who's always struggled with keeping track of expenses, I decided to give this Excel-based income and expense tracker a try. Here's my honest take after using it for a month.

The Good: For basic budgeting needs, this spreadsheet works surprisingly well. I love how customizable it is - you can easily tweak cells to match your specific income sources and expense categories. It's been perfect for tracking my freelance income and monthly bills without the complexity of full accounting software.

The Not-So-Good: Like some reviewers mentioned, it doesn't have bill payment reminders. I had to set those up separately in my calendar. Also, if you're not comfortable with Excel at all, there might be a slight learning curve despite the simple interface.

Real-World Use: I've been using it primarily for my small business expenses. Being able to quickly input receipts after client meetings has made tax preparation much less stressful. The reports give me a clear picture of where my money goes each month.

Who It's For: This is perfect if you want something between manual ledger paper and expensive accounting software. It's especially great for freelancers or small business owners who need basic tracking without all the bells and whistles of programs like QuickBooks.

Final Verdict: While it won't replace full accounting software for complex needs, this tracker delivers exactly what it promises - simple, customizable budget tracking at an affordable price. Just don't expect advanced features like automated bill reminders.