Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
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.
Today, there are a large number of options to choose from. The downside to upsizing your spreadsheet to a database system is that databases require fairly in-depth knowledge, especially with regard to extracting data in queries, form construction and reporting.
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.
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