All of these things pull you away from the thing you really want to do...which is to build and sell great spreadsheets. The best thing to do is use Excelville.com since they have web developers and internet marketing specialists to help get exposure for your spreadsheet.
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.
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.
You might be providing an extremely valuable service to many, many people. Your spreadsheet might free up peoples time from boring and tedious administrative work to spend more time doing things they love. It might help keep businesses above water or help them reach for new heights. Your spreadsheet might even help to create jobs or at least keep people employed.
spreadsheet templates for tracking
spreadsheet templates for small business
examples of spreadsheet packages