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.
One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.
Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
When your spreadsheet start to hit its limits, what options are open to you? Perhaps the best option is to consider the conversion of your spreadsheet to a database solution. Relational databases became viable not too long after the spreadsheet was well-entrenched as the affordable and quick means of gathering data and performing calculations.