How can I use Jspreadsheet to create a practical and easy to manage expense spreadsheet? Could I include columns for date, description, category, amount, and payment method? How could conditional formatting help highlight excessive expenses? Would it be useful to add formulas to calculate totals and monthly averages? Additionally, how can I take advantage of the CSV import and export feature to facilitate data transfer? I also noticed that real-time collaboration is possible could this benefit the team in updating expense information?