For the purpose of creating custom financial and business management solutions that solve your identified problems, and give you control/ownership, without burning a hole in your pocket, Excel VB offers an amazing variety of possibilities, in the hands of an adequately skilled user.
A person with proven competence in this area CAN become "notorious" for developing spreadsheet applications, which eliminate drudgery from the process of using MS Excel to handle large amounts of data. Typically, work that takes hours or days will suddenly take minutes or seconds to finish.
In effect what I am saying is that companies which get the most value from spreadsheet automation(including using it to avoid expenditure on less adaptable commercial off the shelf applications) will be those which empower their users to routinely generate "in house" solutions. In such companies, you will find that only when the requirement becomes considerably specialised or complex, does the IT department get called upon to develop or purchase software solutions for user departments or functions with significant data recording and analysis needs.
I believe using either of these two applications should not pose any problems for implementing your spreadsheet automation ideas. This is because both have always been "friendly", towards making it easy for users to get more functionality out of them by way of custom programming.