Household Budget Management Spreadsheet - Version 1.0 At the end of the year, do you ever say to yourself "where did all the money go?" Does it sometimes feel like it's a constant flow of the income coming in and the bills going out and nothing much left in between? Do household discussions over money seem to take too much of everyone's time? For many homeowners, time spent in the development of a household budget may help to alleviate many of these problems.