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With simple tools like excel you can make the most of your money.

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Budgeting is the best way to make the most of your money. You might even have a penny. Today, that may sound like something only a pirate would do, but gold and silver coins were the norm until just a few centuries ago. Money is an essential aspect of life that we can't take for granted in the society we live in today. This ancient form of payment was often made even more arduous by the necessity of sending the check via snail mail.

When was the last time you used a gold coin to purchase something — if you have at all?

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You may think that a penny isn't worth much, so it's easy to overlook.

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