You can build a reputation as an expert spreadsheet developer. This certainly doesn't hurt the resume. Using Excelville.com to sell spreadsheets allows you to set up a profile with your work, biography, and other info that certainly makes for good conversation material during interviews.
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.
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.
Not dynamic : Data ranges become redundant when new records are added, resulting in established formulae needing to be altered. Overlooking these errors can be embarrassing and downright expensive, especially if important decisions are being made based on the data.
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