You could make money doing something you love (or like [or maybe not so much but just really good at]). It's great to see a spreadsheet come together, and usually a lot better than what you originally envisioned. Especially when the dang thing works.
The common feature among the spreadsheets templates is that they save time and effort and also they make the work and other calculations easier. Planning out things and fast access to data and other information are made very easy when using spreadsheet templates. But most of these templates are unique according to the purpose. The templates can be saved and used as many times as required.
You may also want to track your current spending on one sheet with columns for different categories. Some individuals will list the budgeted amount in one column and then list the actual amount spent in the column next to it.
Many spreadsheet applications nowadays have functionality above and beyond the traditional, offering a variety of charts, look-up tables, databases and more functionality than can be mentioned here.
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