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.
From businesses to non-profit organizations, spreadsheets are used in different sectors, ranging from Entertainment to Culture to Education and to Health to name but a few. With the emergence of home-based businesses and an increase in the number of entrepreneurs in the marketplace, such software is now highly sought-after among home users as well.
You'll need to include more than a basic level of development and calculation in your spreadsheet. There are lots of free spreadsheets on the web. Most of which are very simple and easy to build. People aren't going to buy a spreadsheet that they can get for free. Take yours to the next level by adding all the value you can imagine. Then research on how you can offer a little bit more on the development and functionality side.
You may also want to track your current spending on one sheet with columns for different categories. Some individuals will list the budgeted amount in one column and then list the actual amount spent in the column next to it.