You'll need to find a way to make your spreadsheet accessible. You can build a website, which will require paying for a domain, hosting, site security, dealing with an internet transaction service, graphic design, content for the website, marketing your website, Search Engine Optimization, and all the other madness that comes with managing a site.
The common feature among the spreadsheets templates is that they save time and effort and also they make the work and other calculations easier. Planning out things and fast access to data and other information are made very easy when using spreadsheet templates. But most of these templates are unique according to the purpose. The templates can be saved and used as many times as required.
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.
One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.