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.
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.
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.
For pure data analysis, the spreadsheet is, indeed, king. To a point...Despite all of these extremely powerful features, the spreadsheet has limitations, which tend to manifest when you least expect it. Often, Murphy's Law applies and the spreadsheet falls over when you are right in the middle of a major undertaking, like month-end or meeting a tight deadline.
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