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.
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.
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.
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'.
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