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.
Most spreadsheet applications have built in formulas and functions that will do the math for you so you don't have to. You can keep a running balance of your accounts and you can have each category totaled as well. You can keep it as simple or make it as sophisticated as you please.
The spreadsheet templates used for business purpose are also complex and these templates are used in stores and other business related affiliates. Profit and loss are mostly dealt with these spreadsheets. Invoice and other deposit related calculations also can be dealt with these spreadsheets.
Protection of formulae : How often have you forgotten to protect the cell contains the formula that took you hours to test and perfect. It takes one instance of honest human error, and that formula is gone.
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