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.
You'll need to develop good marketing material. Things like demo videos, which you can find plenty examples on YouTube, screenshots, and keyword rich descriptive text help people find your spreadsheet and communicate the value that sets yours a level above the rest. Excelville.com actually allows you to upload your spreadsheet with all of this marketing material in an easily searchable and user friendly website.
Once you design the type of budgeting spreadsheets you want to use, it will be easy to copy it for subsequent months or years. You can also use just one sheet and create tabs for each month.
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.
spreadsheet templates for tracking
spreadsheet templates for business
types of spreadsheet