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.
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.
Today, there are a large number of options to choose from. The downside to upsizing your spreadsheet to a database system is that databases require fairly in-depth knowledge, especially with regard to extracting data in queries, form construction and reporting.
Using Excelville.com, there are no costs associated with selling spreadsheets and you don't need to build and manage a separate site, which works out pretty well. Whatever path you take, I wish you the best of luck. Leave a comment and let me know how things are going for you.
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excel budget templates
what is a spreadsheet used for