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'.
Many spreadsheet applications nowadays have functionality above and beyond the traditional, offering a variety of charts, look-up tables, databases and more functionality than can be mentioned here.
You'll need to develop good marketing material. Things like demo videos, which you can find plenty examples on YouTube, screenshots, and keyword rich descriptive text help people find your spreadsheet and communicate the value that sets yours a level above the rest. Excelville.com actually allows you to upload your spreadsheet with all of this marketing material in an easily searchable and user friendly website.
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.
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