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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.

These are the pros and cons of selling spreadsheets. The real beauty in this idea is that you could do the work once and there is no limit to how much you can earn, especially with effective use of the internet and other mass communication tools.

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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