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.
Undoubtedly, spreadsheets can help you improve the efficiency of your company regardless of the nature or size of your business. However, it is very important to note that the process of programming formulae and mathematical algorithms behind spreadsheet programs can be very complex and time consuming; one having to invest much effort to create the most appropriate spreadsheet solution for one's company.
These are the pros and cons of selling spreadsheets. The real beauty in this idea is that you could do the work once and there is no limit to how much you can earn, especially with effective use of the internet and other mass communication tools.
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.
types of spreadsheet