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.
Spreadsheet templates are used for many reasons and each template vary according to the purpose it is used for. Spreadsheets are designed with different calculations depending on various needs.
When VisiCalc hit the scene back in the eighties (in the last century), the relatively small group of Apple II users went crazy. It was like manna from heaven for the poor accountants, scientists and engineers who were used to filling in enormous analysis sheets with a pencil. Now, they could use VisiCalc to do the same task, AND calculate the result automatically.
By opting for the competitive and performing "Spreadsheets for Small Business" and "Spreadsheets for Actors" ready-made spreadsheet packages in the detriment of time-consuming and difficult to use programmable spreadsheet generators, users can handle an extensive spectrum of business processes the quick and easy way.