Create a robust Excel budget spreadsheet to forecast expenses, analyze scenarios, and enhance financial planning accuracy.

The warmer-than-average temperature outlook doesn’t guarantee a month full of balmy weather. It’s only a forecast, after all, and there could be some really cold days mixed in.

STATEN ISLAND, N.Y. — The latest monthly outlook by the National Weather Service’s Climate Prediction Center reveals that January is forecast to feature above-average temperatures. This ...