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.
One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.
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.
Judging by this fact, the recommended course of action is to hire the services of a specialized company, a firm that will take care of all the details and subtleties of the spreadsheet programming in your place, and provide you with a ready-made or tailor-made spreadsheet solution that outperforms your expectations.
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