You might be providing an extremely valuable service to many, many people. Your spreadsheet might free up peoples time from boring and tedious administrative work to spend more time doing things they love. It might help keep businesses above water or help them reach for new heights. Your spreadsheet might even help to create jobs or at least keep people employed.
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.
By opting for the competitive and performing "Spreadsheets for Small Business" and "Spreadsheets for Actors" ready-made spreadsheet packages in the detriment of time-consuming and difficult to use programmable spreadsheet generators, users can handle an extensive spectrum of business processes the quick and easy way.
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.
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types of spreadsheet
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