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.
Protection of formulae : How often have you forgotten to protect the cell contains the formula that took you hours to test and perfect. It takes one instance of honest human error, and that formula is gone.
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.
For pure data analysis, the spreadsheet is, indeed, king. To a point...Despite all of these extremely powerful features, the spreadsheet has limitations, which tend to manifest when you least expect it. Often, Murphy's Law applies and the spreadsheet falls over when you are right in the middle of a major undertaking, like month-end or meeting a tight deadline.
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