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Protection of formulae : How often have you forgotten to protect the cell contains the formula that took you hours to test and perfect. It takes one instance of honest human error, and that formula is gone.

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.

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.

Selling spreadsheets helps you to build a catalog of spreadsheets that you can take with you and use in various areas of your life. Spreadsheets built for sale are usually built for flexibility and would be customizable to your life, or job, or new life, or new job.

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