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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.

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.

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.

For pure data analysis, the spreadsheet is, indeed, king. To a point...Despite all of these extremely powerful features, the spreadsheet has limitations, which tend to manifest when you least expect it. Often, Murphy's Law applies and the spreadsheet falls over when you are right in the middle of a major undertaking, like month-end or meeting a tight deadline.

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