"Over_used/Over_spent"(Losses) and "Under_used/Under_spent"(Savings) _ on a monthly basis based on data entered, the program also automatically plotted charts showing trends over a 12 month period.
VBA is therefore different from the Standalone Visual Basic program used(by professional programmers) for developing commercial quality software applications _ though it borrows many of the latter's features. Think of Excel VBA as being the standalone Visual Basic software, built into Excel for the benefit of Excel users who are not necessarily programmers, but who are keen to exert more control over the application. So, Excel VB offers any interested users the necessary tools to make the application deliver more functionality. The final product is still an Excel document, but with extra functionalities added using VBA.
I believe the foregoing are compelling justifications for choosing Excel Visual Basic over Visual Basic.
The savings _ from using your "in house" expertise _ in terms of money and man_hours alone, will quickly justify the investment you make in "developing the needed skills" _ especially, when you compare what you spend with the cost of purchasing a commercial software application _ or even engaging the services of an Excel VB developer.
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