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Author: admin | Category: Loan Calculator Canada | Date: 03.09.2014

Download a printable gas mileage log that you can keep in your car or download our Mileage Calculator for Excel to create a mileage chart so you can see how your car is performing over time, and estimate the $cost per mile. In addition to tracking your gas mileage, use our new Vehicle Maintenance Log to track your auto repairs.
With the price of gas increasing, or if you have a very large tank, it is common to put in a limited amount of gas (like whatever the $20 in your wallet can get you), rather than completely filling the tank. If you run into this case, then on your print-out that you keep in your car, record the Date, the Amount spent, and the Fuel you added.
How to Avoid this Scenario: The only way to calculate the mileage is to know how far you went and how much fuel was used.
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 consumerfinance.gov, 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. View all our exterior pictures of the 2013 Acura RDX as well as interior photos, interactive virtual tours and colors.
Use of this Web site constitutes acceptance of our Terms and Conditions of Use and Privacy Policy. View all our exterior pictures of the 2016 Toyota Corolla as well as interior photos, interactive virtual tours and colors. This is an employee time sheet manager which could help you manage and track your employee’s time attendance. In this timesheet, you can start to track your employee’s attendance by filling the Time In and Time Out column as well as their absence hour.
Some report features are limited and all worksheets are password protected in lite version. Can you please let me know if there is a basic spreadsheet that links individual persons 3 day points total and links them to a team total as well and auto sorts the highest points totals?? If a company reports earnings of $1 billion, does this mean it has this amount of cash in the bank? An outflow of cash occurs when a company transfers funds to another party (either physically or electronically). A cash inflow is of course the exact opposite; it is any transfer of money that comes into the company's possession. Cash Flow vs Income It is important to note the distinction between being profitable and having positive cash flow transactions: just because a company is bringing in cash does not mean it is making a profit (and vice versa). For example, say a manufacturing company is experiencing low product demand and therefore decides to sell off half its factory equipment at liquidation prices.
The cash flow statement differs from these other financial statements because it acts as a kind of corporate checkbook that reconciles the other two statements. Cash flow from operating activities - This section measures the cash used or provided by a company\'s normal operations. Cash flows from investing activities - This area lists all the cash used or provided by the purchase and sale of income-producing assets. Cash flows from financing activities - This section measures the flow of cash between a firm and its owners and creditors.
The "Net Cash from Operating Activities" reveals that Microsoft generated $14.6 billion in positive cash flow from its usual business operations - a good sign.
Digging Deeper into Cash Flow All companies provide cash flow statements as part of their financial statements, but cash flow (net change in cash and equivalents) can also be calculated as net income plus depreciation and other non-cash items. Generally, a company's principal industry of operation determine what is considered proper cash flow levels; comparing a company's cash flow against its industry peers is a good way to gauge the health of its cash flow situation.
Even a company that is shown to be profitable according to accounting standards can go under if there isn't enough cash on hand to pay bills. As it doesn't tell the whole profitability story, cash flow doesn't do a very good job of indicating the overall financial well-being of the company. In other words, the cash flow statement is a compressed version of the company's checkbook that includes a few other items that affect cash, like the financing section, which shows how much the company spent or collected from the repurchase or sale of stock, the amount of issuance or retirement of debt and the amount the company paid out in dividends.


The Bottom Line Like so much in the world of finance, the cash flow statement is not straightforward. At the same time, while investing in a company that shows positive cash flow is desirable, there are also opportunities in companies that aren't yet cash-flow positive. Whenever you re-fuel, take an extra minute to jot down your miles and how much fuel you've added. Create a mileage chart so you can see your average gas mileage, estimate the cost per mile, print your mileage log, and see whether you can increase your mileage. When you record the value in the spreadsheet, you'll need to add these amounts to the values that you record the next time you fill up. So if you don't want to spend a hundred dollars on gas each time you fill up, then fill up more frequently, and don't let your gas tank get low. 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.
Based on previous timesheet templates which being used to track employee’s time in a single piece of paper, I put automatic function in this new template to make you generate timesheets as well as recording it in one excel file easily. Leave the first two column, Employee Sheet and No columns, because this column will show employee’s timesheet links and no automatically. Before you start typing those time attendance, you can set the allocation absence time for one year period in the right table with absence allocation codes as its reference cells.I put some guidance on each header in comment boxes which will show up when you hover your mouse over those header. There is a Pro version that you can purchase if you think you need to extend the program to cover 3 years monitoring period and accommodate until 250 employees. In order to post comments, please make sure JavaScript and Cookies are enabled, and reload the page.
Business is all about trade, the exchange of value between two or more parties, and cash is the asset needed for participation in the economic system. Such a transfer could be made to pay for employees, suppliers and creditors, or to purchase long-term assets and investments, or even pay for legal expenses and lawsuit settlements. Typically, the majority of a company's cash inflows are from customers, lenders (such as banks or bondholders) and investors who purchase company equity from the company.
It will receive cash from the buyer for the used equipment, but the manufacturing company is definitely losing money on the sale: it would prefer to use the equipment to manufacture products and earn an operating profit.
There are three important parts of a company's financial statements: the balance sheet, the income statement and the cash flow statement. Simply put, the cash flow statement records the company's cash transactions (the inflows and outflows) during the given period. It shows the company\'s ability to generate consistently positive cash flow from operations. If Microsoft, again our example, bought or sold companies for a profit or loss, the resulting figures would be included in this section of the cash flow statement. Negative numbers can mean the company is servicing debt but can also mean the company is making dividend payments and stock repurchases, which investors might be glad to see. If you check under current assets on the balance sheet, you will find cash and cash equivalents (CCE or CC&E). Notice the company has had similar levels of positive operating cash flow for several years. A company not generating the same amount of cash as competitors is bound to lose out when times get rough.
Comparing amount of cash generated to outstanding debt, known as the operating cash flow ratio, illustrates the company's ability to service its loans and interest payments. Every company filing reports with the Securities and Exchange Commission (SEC) is required to include a cash flow statement with its quarterly and annual reports.
Sure, the statement of cash flow indicates what the company is doing with its cash and where cash is being generated, but these do not reflect the company's entire financial condition. You must understand the extent to which a company relies on the capital markets and the extent to which it relies on the cash it has itself generated.
This will make the log a convenient size and just the right thickness to allow you to keep it in your car and write down the date, odometer reading, amount of fuel put in, and the $ cost. If you don't have a calculator on you, perhaps you have a mobile phone with internet access?
That will obviously change with the gas and oil market, but it can be handy to know that value in case you are trying to estimate your fuel cost for a long trip or vacation. Normally, you only know how much gas you used by completely filling the tank and reading the value off the pump.
This is also a good practice to be prepared for an emergency - to avoid getting caught with an empty tank of gas when you need to flee from a fire, hurricane, flood, or an angry relative.
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. The free template that you can download below is limited to cover one year period of tracking and accommodate until maximum 25 employees. The first one is a report which will show you a table with list of employee at the left column at the table and their working hour summary at the left part of the table.
Financial statements are based on accrual accounting, which takes into account non-cash items.
For this reason - while some industries are more cash intensive than others - no business can survive in the long run without generating positive cash flow per share for its shareholders. It is important to note that legal transfers of value through debt - a purchase made on credit - is not recorded as a cash outflow until the money actually leaves the company's hands. Occasionally cash flows come from sources like legal settlements or the sale of company real estate or equipment.
But since it cannot, the next best option is to sell off the equipment at prices much lower than the company paid for it. The balance sheet gives a one-time snapshot of a company's assets and liabilities (see Reading the Balance Sheet). It shows whether all those lovely revenues booked on the income statement have actually been collected.
If you take the difference between the current CCE and last year's or last quarter's, you'll get this same number found at the bottom of the statement of cash flows. If this number were to increase or decrease significantly in the upcoming year, it would be a signal of some underlying change in the company's ability to generate cash.
If a slight drop in a company's quarterly cash flow would jeopardize its loan payments, that company carries more risk than a company with stronger cash flow levels. Unless tainted by outright fraud, this statement tells the whole story of cash flow: either the company has cash or it doesn't. The cash flow statement does not account for liabilities and assets, which are recorded on the balance sheet. No matter how profitable a company may be, if it doesn't have the cash to pay its bills, it will be in serious trouble.
So, analyzing it together with the other statements can give you a more overall look at a company' financial health.
Getting out of debt is not easy, but with a good plan and firm determination, it is entirely possible. To generate the report, just select particular year and month and choose overtime to be included if you want to add those time in the report. To have a positive cash flow, the company's long-term cash inflows need to exceed its long-term cash outflows. In the year that it sold the equipment, the company would end up with a strong positive cash flow, but its current and future earnings potential would be fairly bleak. And the income statement indicates the business's profitability during a certain period (see Understanding The Income Statement). At the same time, however, remember that the cash flow does not necessarily show all the company's expenses: not all expenses the company accrues have to be paid right away.
What Cash Flow Doesn't Tell Us Cash is one of the major lubricants of business activity, but there are certain things that cash flow doesn't shed light on. Furthermore accounts receivable and accounts payable, each of which can be very large for a company, are also not reflected in the cash flow statement.
Remain diligent in your analysis of a company's cash flow statement and you will be well on your way to removing the risk of one of your stocks falling victim to a cash flow crunch. The Debt Reduction Calculator is a simple spreadsheet available for Microsoft Excel®, OpenOffice, and Google Sheets, that helps you come up with a plan. The latter one will have the report format like a timesheet, except you cannot modify the time in the table. However, accrual accounting may create accounting noise, which sometimes needs to be tuned out so that it's clear how much actual cash a company is generating.
Because cash flow can be positive while profitability is negative, investors should analyze income statements as well as cash flow statements, not just one or the other.
So even though the company may have incurred liabilities it must eventually pay, expenses are not recorded as a cash outflow until they are paid (see the section "What Cash Flow Doesn't Tell Us" below).
For example, as we explained above, it doesn't tell us the profit earned or lost during a particular period: profitability is composed also of things that are not cash based. It creates a debt snowball payment schedule that can help you manage your payments to most effectively pay off your debts. The statement of cash flow provides this information, and here we look at what cash flow is and how to read the cash flow statement.
This is true even for numbers on the cash flow statement like "cash increase from sales minus expenses", which may sound like they are indication of profit but are not. My car is supposed to get 28-32 MPG, but it was averaging 27, so I wanted to make sure it wasn't the car that was the problem. You can customize how it is displayed by changing the starting date and report period parameter.



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