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Thinking about my basic personal needs, I do things like loan predictions, budget estimations, and membership rosters for a club. The Numbers approach sounds sufficient and well suited to these sorts of things.
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I think Numbers is more than sufficient for those; indeed, it includes nice templates for most of those functions.
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I've never used Excel, so I'm very curious to hear your deeper impressions of how Numbers stacks up...
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Those who have never used Excel will (obviously) never miss the features I mentioned. You should be quite happy with it.