Rather than having to go through the pain and suffering of learning a new technology and having to experience trial and error development, the best route would be to acquire the services of a consultant, who can identify your needs and create a customised solution. Obviously, the cost of such a project would depend on the size and complexity of the spreadsheet and your requirements. However, you might be surprised at how cost-effective this project would be.
One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.
Inconsistent data : This becomes most apparent when trying to find a particular record or cell, based on the contents. If a space is incorrectly added in the wrong place, the search or filter fails.
Most spreadsheet applications have built in formulas and functions that will do the math for you so you don't have to. You can keep a running balance of your accounts and you can have each category totaled as well. You can keep it as simple or make it as sophisticated as you please.
spreadsheet templates for tracking
examples of spreadsheet packages