You might be providing an extremely valuable service to many, many people. Your spreadsheet might free up peoples time from boring and tedious administrative work to spend more time doing things they love. It might help keep businesses above water or help them reach for new heights. Your spreadsheet might even help to create jobs or at least keep people employed.
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.
Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
You may also want to track your current spending on one sheet with columns for different categories. Some individuals will list the budgeted amount in one column and then list the actual amount spent in the column next to it.
what is spreadsheet in excel
spreadsheet templates for tracking
what is a spreadsheet used for