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.
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.
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.
Many spreadsheet applications nowadays have functionality above and beyond the traditional, offering a variety of charts, look-up tables, databases and more functionality than can be mentioned here.
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