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.
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.
Over time, the spreadsheet grew into what we see today, in the form of Microsoft Excel and a number of similar products on the market. The power of the spreadsheet has grown almost exponentially, allowing the user to create customised formulae, charts, pivots and so on. Worksheets can be linked and updated automatically.
You'll need to find a way to make your spreadsheet accessible. You can build a website, which will require paying for a domain, hosting, site security, dealing with an internet transaction service, graphic design, content for the website, marketing your website, Search Engine Optimization, and all the other madness that comes with managing a site.
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