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.
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.
Inconsistent data : This becomes most apparent when trying to find a particular record or cell, based on the contents. If a space is incorrectly added in the wrong place, the search or filter fails.
You could make money doing something you love (or like [or maybe not so much but just really good at]). It's great to see a spreadsheet come together, and usually a lot better than what you originally envisioned. Especially when the dang thing works.
spreadsheet templates for tracking