"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.
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.
In addition, visualise it having dynamic query/report drop menu interfaces, and a variety of custom buttons: for navigation(within and between worksheets), printing, data export (as PDF documents or spreadsheet files), saving, auto_data filtering, auto_charts plotting, auto_backup of files, user login authentication (for documents with sensitive or confidential content) etc.
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.
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