All of these things pull you away from the thing you really want to do...which is to build and sell great spreadsheets. The best thing to do is use Excelville.com since they have web developers and internet marketing specialists to help get exposure for your spreadsheet.
Many spreadsheet applications nowadays have functionality above and beyond the traditional, offering a variety of charts, look-up tables, databases and more functionality than can be mentioned here.
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.
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.
types of spreadsheet
excel inventory templates
examples of spreadsheet packages