Judging by this fact, the recommended course of action is to hire the services of a specialized company, a firm that will take care of all the details and subtleties of the spreadsheet programming in your place, and provide you with a ready-made or tailor-made spreadsheet solution that outperforms your expectations.
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'.
All of these things pull you away from the thing you really want to do...which is to build and sell great spreadsheets. The best thing to do is use Excelville.com since they have web developers and internet marketing specialists to help get exposure for your spreadsheet.
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.