Protection of formulae : How often have you forgotten to protect the cell contains the formula that took you hours to test and perfect. It takes one instance of honest human error, and that formula is gone.
You'll need to find a way to make your spreadsheet accessible. You can build a website, which will require paying for a domain, hosting, site security, dealing with an internet transaction service, graphic design, content for the website, marketing your website, Search Engine Optimization, and all the other madness that comes with managing a site.
Once you design the type of budgeting spreadsheets you want to use, it will be easy to copy it for subsequent months or years. You can also use just one sheet and create tabs for each month.
Today, there are a large number of options to choose from. The downside to upsizing your spreadsheet to a database system is that databases require fairly in-depth knowledge, especially with regard to extracting data in queries, form construction and reporting.
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