Most spreadsheet applications have built in formulas and functions that will do the math for you so you don't have to. You can keep a running balance of your accounts and you can have each category totaled as well. You can keep it as simple or make it as sophisticated as you please.
You can build a reputation as an expert spreadsheet developer. This certainly doesn't hurt the resume. Using Excelville.com to sell spreadsheets allows you to set up a profile with your work, biography, and other info that certainly makes for good conversation material during interviews.
Spreadsheet templates are used for many reasons and each template vary according to the purpose it is used for. Spreadsheets are designed with different calculations depending on various needs.
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.
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