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In a survey conducted by San Ramon, Calif.-based Ventana Research, when respondents asked if they were aware there are better alternatives to Excel for performing critical finance functions, only 49% said "yes." The remaining half was divided between "don't know" with 32%, and "no" with 19%."They haven't looked up from their spreadsheets to see if there are better ways," said Robert Kugel, Ventana senior vice president and research director.Almost all lenders require you to be 18 years or older and a legal U. resident with a verifiable bank account and not in bankruptcy or foreclosure.Borrowers with excellent credit and low debt-to-income ratios may qualify for interest rates at the low end of lenders’ ranges."That works until there's an error so bad it bites you on the bottom," Kugel said.Closing the books faster and more efficiently is a perennial goal for finance leaders, but departments that use spreadsheets for the process are at a considerable disadvantage.

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However, that can cause users to take a lax attitude toward errors, which can be dangerous.Although using Excel often saves time up front because people are familiar with the program and therefore do not need to be trained, Kugel said using spreadsheets for finance processes is incredibly time-consuming in the long run.Survey respondents said they spent approximately 12 hours each month "consolidating, modifying and correcting the spreadsheets they collaborate on with others and reuse frequently," which Kugel said equals about one and a half business days. Kugel said the majority of time users spend with spreadsheets isn't for doing complex work -- they're simply trying to find and correct errors, another weakness of the tool."Spreadsheets bog down processes in many different ways that have a noticeable impact on how long it takes to get work done," Kugel said."They're fast [and] easy to set up, but when they're used in collaborative, repetitive enterprise processes, they become time wasters." "Individuals can immediately translate their thoughts about what to present and how to present it in a format that makes sense to them; they can update and modify it whenever they wish, and the change is instantaneous," he said.

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