Not dynamic : Data ranges become redundant when new records are added, resulting in established formulae needing to be altered. Overlooking these errors can be embarrassing and downright expensive, especially if important decisions are being made based on the data.
At present, some of the most requested types of spreadsheet packages in the market are: 'Spreadsheets for Small Businesses' and a subset of that: 'Spreadsheets for Actors'.
Size limitation : When a spreadsheet is first constructed and tested, the size tends to be small. However, as the spreadsheet grows with more and more data, it start slowing down, until it reaches that point where your feet go to sleep while you waiting for the re-calculation to finish.
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.
what is a spreadsheet used for