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.
The common feature among the spreadsheets templates is that they save time and effort and also they make the work and other calculations easier. Planning out things and fast access to data and other information are made very easy when using spreadsheet templates. But most of these templates are unique according to the purpose. The templates can be saved and used as many times as required.
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.
You could make money doing something you love (or like [or maybe not so much but just really good at]). It's great to see a spreadsheet come together, and usually a lot better than what you originally envisioned. Especially when the dang thing works.
examples of spreadsheet packages
excel spreadsheet examples
spreadsheet templates for business