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To create a budget spreadsheet or invoice from scratch in Excel can be daunting, but using templates can simplify the process. Templates are pre-built spreadsheets that include formatting, formulas, and other components. Excel offers a variety of free, built-in templates. To access them, go to the File menu and select New. In the New section, scroll down to find two tabs: Office and Personal. The Office tab contains a selection of available templates to help you get started quickly.