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admin | reflection of the past meaning | 11.02.2015
Note: The download includes an extended version of the credit repair edition for listing 20 creditors, and a link to a Google Sheets version for listing up to 20 as well.
Use our Debt Reduction Calculator to help you eliminate your credit card, auto, student loan, and other debts. In the first worksheet, you enter your creditor information and your total monthly payment. The second worksheet is a payment schedule for you to print to keep track of your progress. One of the included files lets you list up to 20 creditors, and if that isn't enough, there is also a version that lets you list up to 40. Enter abbreviated names for your the credit card or lending institution, the current balances, and the interest rate information for all of your current debts (including home equity lines of credit or second mortgages). Choose the maximum monthly payment that you can pay each month towards your debts, based on your home budget.
When your first debt is completely paid, the remainder of your snowball is then applied to the NEXT debt, and so on, until all the debts are paid. Warning: It may be tempting to put your full financial strength into paying off your debts.
This section describes the different strategies that you can choose within the debt reduction spreadsheet. User-Specified Order: There are three options for choosing the order that you want to pay your debts. Debt Snowflaking: This is a term for making extra debt payments above the normal monthly payment (above and beyond the normal snowball). Sample Letter to Student Loan Servicer - at, Oct 16, 2013 - This article includes a sample letter for explaining to your loan servicer how you want your extra payments to be applied. Help us help others break free from the bonds of debt by spreading the news about this free debt reduction tool. A big thanks to Donald Wempe for the motivation to create this spreadsheet, and for his great ideas! Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only. Holly Perez is a consumer money expert at Intuit and Mint spokeswoman, a leading money management tool that helps people understand and do more with their money so they can achieve their dreams.
By Rob Berger 6 Comments This week I stumbled upon a really useful (and free) debt reduction calculator. In the first section of the calculator shown above, you can enter all of your current debts, including the balance, interest rate, and minimum payment. Another excellent debt reduction calculator (with budgeting assessment and % guidelines) is PowerPay. Advertiser Disclosure: This site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Editorial Disclosure: This content is not provided or commissioned by the bank, credit card issuer, or other advertiser.
Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice.
When I was contacted by Gale Newell  on submitting an article on debt reduction  I was excited to run it. One of the most powerful things about this spreadsheet is the ability to choose different debt reduction strategies, including the debt snowball effect (paying the lowest balance first) or the debt avalanche (highest-interest first).

The more you can squeeze out of your budget to increase your debt snowball, the faster you'll reach your goals.
Easily create a debt reduction schedule based on the popular debt snowball strategy, or experiment with your own custom strategy. You'll then see a summary of when each of the debts will be paid off based on the strategy you choose.
You may need to verify with your lending institutions what your current minimum payments are.
The difference between the total minimum payments and your total monthly payment is your initial snowball.
The benefit of this method is the psychological effect of seeing the number of debts disappear quickly. If the difference in the total interest is not significant, than you may get more satisfaction and success from the Lowest Balance First method.
It might not make much difference in how long it takes to pay them off, but it could make a difference in how much interest you end up paying.
Your situation is unique, and we do not guarantee the results or the applicability of this calculator to your situation. It’s built using Excel, and it can be used with either Excel or Open Office (a free suite of office software). I just stumbled upon your blog and wished to say that I’ve truly enjoyed browsing your blog posts. Opinions expressed here are author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser.
Just choose the strategy from a dropdown box after you enter your creditor information into the worksheet. Continue reading below the download block for links to useful blog articles and information about the various debt reduction strategies. For the price of a good lunch, you can figure out how to save yourself hundreds or thousands of dollars! Also, keep in mind that your minimum payment may change over time, depending on interest rates or other issues. You need to balance your debt reduction goals with the need for an emergency fund and other important financial goals. Getting out of debt is not easy, but with a good plan and firm determination, it is entirely possible.
I can personally vouch for the fact that it can calculate debt repayments well into the future. The Debt Reduction Calculator is a simple spreadsheet available for Microsoft Excel®, OpenOffice, and Google Sheets, that helps you come up with a plan.
It creates a debt snowball payment schedule that can help you manage your payments to most effectively pay off your debts.
When SHTF the current political and economic systems we currently fall in line with will be gone, or at least much less stable and reliable on an everyday basis. No longer will you be able to leave your home, get in your car, drive to the local supermarket and secure all the foodstuffs on your shopping list.
First and foremost, eliminate any and all debts tying you down.Dismember Credit from your Financial LifestyleThe average family in the United States has $7,115 worth of credit card debt. If you’ve ever dealt with interest payments and understand how much money bleeds from your wallet each time you don’t pay off your credit card balance in full each month, you understand that interest is money you are figuratively throwing straight out the window.

While it’s easy for anyone to “just put it on the credit card,” this is a very slippery slope and the wrong mentality to have. Like a leech or tick sucking blood from a body, a credit card company sucks hard-earned money from your account – it’s how the company continues to live and thrive.
I consider a credit card company like a gangrenous appendage – it must be severed or it will develop and spread.Reducing Subscription-based ServicesI can hear the collective groan of you Netflix or Hulu-dependent individuals out there.
While this is assuming you can tap into a reliable internet source, at least you don’t have to pay for cable or video streaming services on top of that. Heck if you can swing it, talk to a neighbor with a WiFi connection and see if you can tap into their wireless connection.
Split the cost with them instead of having an expensive internet connection all to yourself.Going Generic in a World Ruled by BrandsGeneric ComparisonTake a quick look at the picture. You’ll see two products for Greek yogurt, the one on the left is your standard, generic brand and the one on the right is from a more popular supplier. You will pay significantly more for the product on the right compared to the one on the left. So you can see a more attractive label or feel the satisfaction of supporting a certain brand? There are circumstances in which cheap ingredients (like high fructose corn syrup) will be substituted to make cheaper products.
Pay close attention and make sure there are no differences between two products before making the jump.Resisting the UrgeImagine – it’s payday.
You check your account balance and see all that fresh money, sitting there, waiting to be spent on whatever you desire. You go to the store, see that brand new bicycle and think to yourself – boy would I like to have that.
I don’t need it, but it looks so GOOD and my life would be better with it in my possession. The product may be exciting to have for a couple weeks, but after the initial euphoria of owning something new, your life is no different and you eventually realize you could have been fine without it. Practice going to the store, looking at something interesting, and imagine your life with it.
The more you do this, the more skilled you will be refraining from unnecessary purchases.Prepping is about doing more with less. Finding cheaper alternatives to solutions and skimming the unnecessary cream off the top is an essential of prepping. For now, the money saved by cutting unnecessary expenses should go towards paying off debt. Debt is the leech on your back that must be burned away, or it will continue to extract from your account. Like the chains locked to a slave’s ankles, debt is a hindrance on all that you do in life.
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This means that if you see a bunch of your friends post or email exactly the same exact message that this is probably a hack or trojan, Facebook Password Finder youll contract it should you take a look through.

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