Spreadsheet templates are used for many reasons and each template vary according to the purpose it is used for. Spreadsheets are designed with different calculations depending on various needs.
You can also create a calendar with a spreadsheet application and keep it within your budgeting workbook. You can list dates bills are due and you can also use the calendar in accordance with your budget to plan for special items or vacations. Having everything in one place will make it easier to manage your finances and plan for the future.
You can build a reputation as an expert spreadsheet developer. This certainly doesn't hurt the resume. Using Excelville.com to sell spreadsheets allows you to set up a profile with your work, biography, and other info that certainly makes for good conversation material during interviews.
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.
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