Once you design the type of budgeting spreadsheets you want to use, it will be easy to copy it for subsequent months or years. You can also use just one sheet and create tabs for each month.
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.
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.
Using Excelville.com, there are no costs associated with selling spreadsheets and you don't need to build and manage a separate site, which works out pretty well. Whatever path you take, I wish you the best of luck. Leave a comment and let me know how things are going for you.
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