Early databases available for the PC market were simple two-dimensional solutions and were essentially designed as a record-keeping system. However, when computing power increased, the advent of the relational database became an affordable option. Applying the rules proposed by Edgar Codd, the Database Management System (DBMS) became a reality, with products such as dBase being widely implemented in the desktop market.
You could make money doing something you love (or like [or maybe not so much but just really good at]). It's great to see a spreadsheet come together, and usually a lot better than what you originally envisioned. Especially when the dang thing works.
You may also want to track your current spending on one sheet with columns for different categories. Some individuals will list the budgeted amount in one column and then list the actual amount spent in the column next to it.
One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.
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