You can make utilities for yourself where you can put all your calculations and worksheets. This will reduce repetitive work to a great extent and help you save time for some other productive and constructive work. Apart from them, there are a countless number of other ways to use spreadsheet such as planning your tax, investment, cash flows, managing phone numbers and contact details and the like.
If you are on a budget or looking to get on one, tracking your finances plays a major role in how successful your budget will be. A personal finance spreadsheet is a great way to keep track of your income and expenses. By using a Microsoft Excel spreadsheet or a Google docs spreadsheet you can easily see exactly how much you are spending and how much you are saving each month.