These are the pros and cons of selling spreadsheets. The real beauty in this idea is that you could do the work once and there is no limit to how much you can earn, especially with effective use of the internet and other mass communication tools.
The templates designed to use for saving calculations varies according to the saving calculations made depending on the types of calculations to be made. These spreadsheets make the calculations and the data entry easier than doing it by any other format.
You could make money doing something you love (or like [or maybe not so much but just really good at]). It's great to see a spreadsheet come together, and usually a lot better than what you originally envisioned. Especially when the dang thing works.
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.
examples of spreadsheet packages
excel budget templates
spreadsheet templates for small business