From this point on, I will refer to only one of the above mentioned applications, because it is my preferred work environment. That is Microsoft Excel. I believe users of other spreadsheet applications will be able to adapt whatever I say from here for use in their own peculiar environments.
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.
You can choose to learn how to do it yourself _ or call in someone(an Excel VB Solutions Developer for instance) who knows how. Again, this would be dependent on your purpose, how proficient you are, and/or how much time you have at your disposal. Ultimately, even if someone develops a custom application for you, it should happen with YOUR guidance at every point to ensure that it does EXACTLY what you want it to do, and that you can easily _ with your developer's support/coaching _ learn how to make modifications to it in future, without needing to call back your developer.
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.
uses of spreadsheet
blank spreadsheet templates