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'.
Not dynamic : Data ranges become redundant when new records are added, resulting in established formulae needing to be altered. Overlooking these errors can be embarrassing and downright expensive, especially if important decisions are being made based on the data.
When VisiCalc hit the scene back in the eighties (in the last century), the relatively small group of Apple II users went crazy. It was like manna from heaven for the poor accountants, scientists and engineers who were used to filling in enormous analysis sheets with a pencil. Now, they could use VisiCalc to do the same task, AND calculate the result automatically.
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
spreadsheet templates for tracking
excel budget templates