Early databases available for the PC market were simple two-dimensional solutions and were essentially designed as a record-keeping system. However, when computing power increased, the advent of the relational database became an affordable option. Applying the rules proposed by Edgar Codd, the Database Management System (DBMS) became a reality, with products such as dBase being widely implemented in the desktop market.
You may want to create a workbook with multiple sheets for various aspects of your budget. You can have one sheet that keeps track of savings and investments and another sheet that lists your monthly bills.
Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
All of these things pull you away from the thing you really want to do...which is to build and sell great spreadsheets. The best thing to do is use Excelville.com since they have web developers and internet marketing specialists to help get exposure for your spreadsheet.
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