Part One: When using a spreadsheet, you will have the ability to reference specific cells in formulas. What is a cell reference, and why might you want to use them when working on a monthly expense plan? Please share an additional specific example of a cell reference in a personal or professional context.

Part Two: One of the most common uses for spreadsheets is to help manage budgets. Search the web for an example of a file or template that you think provides a clear structure for managing a budget.