"Spreadsheets are the do-it-yourself version of financial software. They have all the power of other financial software, but in a less finished package. Instead of wizards and ready-made forms, they offer the raw material of hundreds of functions, only some of which are relevant to personal or business finance, and leave you to arrange them in a meaningful fashion.
"Under these circumstances, the fact that many people choose friendlier financial software isn't surprising, but you don't need to be among them. The truth is, you can start to employ spreadsheets for business or personal finances with knowledge of only the most basic arithmetical functions, and branch out into the more complex spreadsheet tools and functions later--or not all. Meanwhile, unlike some other financial software, you'll have the advantage of being able to customize your documents exactly according to your needs and preferences..."
