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.
Protection of formulae : How often have you forgotten to protect the cell contains the formula that took you hours to test and perfect. It takes one instance of honest human error, and that formula is gone.
Rather than having to go through the pain and suffering of learning a new technology and having to experience trial and error development, the best route would be to acquire the services of a consultant, who can identify your needs and create a customised solution. Obviously, the cost of such a project would depend on the size and complexity of the spreadsheet and your requirements. However, you might be surprised at how cost-effective this project would be.
Another advantage to using a spreadsheet application for your budget is that you won't have to access the Internet to access your budget. You will be able to view it or work on it wherever you are and if you typically work on a laptop computer and take it with you when you travel, this can be extremely beneficial. Using budgeting spreadsheets to manage your finances is an easy and affordable way to stay on top of your financial game.
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types of spreadsheet