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.
Inconsistent data : This becomes most apparent when trying to find a particular record or cell, based on the contents. If a space is incorrectly added in the wrong place, the search or filter fails.
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.
The spreadsheet templates used for business purpose are also complex and these templates are used in stores and other business related affiliates. Profit and loss are mostly dealt with these spreadsheets. Invoice and other deposit related calculations also can be dealt with these spreadsheets.