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 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.
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.
They are the ideal tools for companies who lack the financial resources and / or the staff required for generating spreadsheet solutions with specific programs. At present, the most requested types of ready-made spreadsheet solutions are "Spreadsheets for Small Business" and the subcategory "Spreadsheets for Actors".
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