A personal finance spreadsheet is used to track your finances, but if you are in a bad position then it might now be enough to just track in improve. You might need a loan. And here a personal loan is a good alternative to a bank loan. You can often ask friends, family or relatives for a loan with much more ideal conditions than if you are going to a bank. Of course you need to do it properly if you are borrowing a big sum from relatives, and you can use a personal loan agreement if you want to do it right. Remember to sign the agreement and date it too. As you are borrowing from people you know and trust it’s important that you make sure that both parties are agreeing on the terms. Else you can, in worst case, end up in court. And that is not something that you’ll want to end up in with friends.