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 applications are useful for home and small businesses. Some people keep a home inventory list on a spreadsheet and others use spreadsheets for a variety of applications. Creating your budget and maintaining it is easy when you use budgeting spreadsheets. These are also easy to print out if you desire.
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.
At present, some of the most requested types of spreadsheet packages in the market are: 'Spreadsheets for Small Businesses' and a subset of that: 'Spreadsheets for Actors'.