Judging by this fact, the recommended course of action is to hire the services of a specialized company, a firm that will take care of all the details and subtleties of the spreadsheet programming in your place, and provide you with a ready-made or tailor-made spreadsheet solution that outperforms your expectations.
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.
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.
Once you design the type of budgeting spreadsheets you want to use, it will be easy to copy it for subsequent months or years. You can also use just one sheet and create tabs for each month.
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