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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.

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.

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.

A winning spreadsheet could make you a fortune. If you could effectively identify what many people want and are willing to pay for, and can make your spreadsheet easily accessible, you could be cashing checks for the rest of your life.

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