I can guide you through the steps to create a personal budget Excel file. Here’s how you can do it:

1. Open a new Excel file and create a new worksheet.

2. In the first column, list all of your income sources for the month, such as your salary, bonuses, and side hustle income.

3. In the second column, list all of your monthly expenses, broken down into categories like housing, utilities, food, transportation, entertainment, and debt payments.

4. Create a separate column for each expense category and input the corresponding expenses for each category.

5. In the final column, subtract your total expenses from your total income to calculate your monthly budget surplus or deficit.

6. Use Excel’s built-in formulas and functions to automate the calculations for you. For example, you can use the SUM function to total up each expense category, and the SUBTRACT function to calculate your budget surplus or deficit.

7. Use Excel’s formatting tools to make your budget more visually appealing and easier to read. You can add borders, color code different categories, and adjust font sizes and styles.

8. Save your budget as an Excel file and update it regularly to reflect any changes in your income or expenses.

Remember, your budget is a living document that should be updated and adjusted as your financial situation changes. Use it as a tool to help you make informed financial decisions and stay on track towards your financial goals.