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Use our free Auto Loan Calculator to estimate the overall cost of purchasing a car, including the sales price, sales tax, and the many charges and fees that creep up on you when you finally decide to make the purchase. Our Auto Loan Calculator gives you complete flexibility in how you make additional payments, in case you want to pay off your loan early and avoid paying so much interest. IMPORTANT: Many auto loans are actually "Simple Interest Loans" that accrue interest daily. Information about how to use the loan calculators are contained within the spreadsheet itself, mostly as cell comments.
Our auto loan calculator spreadsheet does not contain a calculator for comparing leasing vs.
Sometimes, the auto manufacturer offers incentives in the form of a cash rebate or lower interest rate, but usually not both at the same time. Disclaimer: The calculations in this spreadsheet are estimates and we do not guarantee the results. Who knew that discombobulated Barbie doll heads, rustic farm barns, and a big old stack of denim could wreak so much havoc on my inbox.
I went undercover and did a price check experiment at Costco to see if shopping at a wholesale club is worth it, even after paying membership fees and enduring long lineups with reams of toilet paper. I stretched a single organic chicken into 22 healthy meals for just $49 bucks, and you loved it.
I did a magic trick by packing ten days of travel clothing into a single carry-on suitcase, and this post got forwarded to probably everyone who owns luggage. You wanted to get fit and not spend a bundle at the gym, so I shared my workout log with you. I created this grocery list to help you find affordable (cheap), healthy, and delicious foods while grocery shopping, fast. I sliced turkey, counted crackers, weighed cheese, and added up the total cost for a less expensive lunch box friendly snack.
You wanted to get down to the business of paying down your debt, so I shared my debt-busting tools with you in my popular budgeting series.
I’ll never forget the feeling of graduating from school with my degree in one hand yet starting a new life with 17K of debt in the other.
I just barely found your blog (even though I’ve been around in the financial blogosphere for nigh unto a year) and LOVE it! I picked some storage areas to try out different types of LED bulbs before committing to using them in frequently occupied rooms. One final suggestion, after testing the light’s hue and brightness in an out-of-the-way area, try to switch to LED lighting first in the rooms you use most frequently to get the biggest bang for the buck.
I’ve seen the diva cup in Nature’s Fare but was too intimidated to pay forty bucks!
How does one extract their investments from an investor so as to find a better deal and save MER fees? Whichever card you choose, make sure you get another no-fee card from the major competitor. If you don’t want the US government snooping in your personal affairs, try to find a bank card that does not use a US clearing house, as those ones are all subject to new US laws. I have been receiving your emails for years now, and have always found them interesting and useful. This reimbursement form was designed to allow employees to request reimbursement for general business expenses.For travel-related expense reimbursement, use the Travel Expense Report.

Customize the template and then give a copy of the form to your employees when they need to submit a request for expense reimbursement. It would probably be good to write-up a short document that you can give your employees as a guide for what types of expenses you will reimburse and any other policies that you want to put into place (such as requiring an employee to get prior approval for any purchase over $XX).
Processing a Payment: For accounting purposes (assuming you are using an "accountable plan" - see IRS Publication 463), I find it simpler to write a separate check than to include the reimbursement in a payroll check. Important: Keep a copy of your receipts and your reimbursement request form for your own records! Business Meals: For business meals to be tax-deductible, there must be a clear business purpose, along with a receipt.
The worksheet calculates the total Loan Amount, taking into account your down payment, trade-in, or cash rebate. Our Auto Loan Calculator is great for running quick calculations, but if your loan is actually a simple interest loan, then you may get more accurate numbers by using our Simple Interest Loan Calculator.
Use the Auto Loan Calculator worksheet to calculate the amount you will need to finance, based on the sales price of the car, destination charge, fees, sales tax, down payment, cash rebate, and trade-in value of an older auto. Use the Payment Calculator worksheet (the featured image above) to create an amortization table based on the auto loan amount, annual interest rate, term of the loan, and payment frequency.
The third worksheet (Loan Comparisons) takes the inputs from the loan payment calculator and creates graphs showing you how different interest rates, number of payments, or the amount of down payment affect the monthly payment and total amount of interest.
Basically, you just enter values in the white-background cells, and see what happens to the other numbers. The auto loan calculators in our spreadsheet let you specify a cash rebate and the annual interest rate. Please consult your financial advisor or lending institution before making any final financial decisions.
I gave you 50 (fifty) ways to painlessly stash some extra cash without losing a limb or getting a second job.
With a million pageviews in 2011, this viral post shares the secret ingredient in a Starbucks Frappuccino.
Some of you spewed coffee onto your keyboards (sorry), while others chuckled over my eating crow. Within the span of 24 hours, this snarky post hit the front pages of Digg, Delicious Popular, and Lifehacker.
This post went a little viral after being featured on the front page of Lifehacker for two days, and the social media attention from StumbleUpon, Facebook, and Twitter together pushed the popcorn pageviews to over a million before year’s end. You could save tens of thousands of dollars by getting in the know and making less costly investing decisions. With front page mentions on Lifehacker and mommy blogs around the world, I can’t complete this list without a frugal snack attack. Yeah, I’m sure we’ve all dreamed of making a million, but have you ever figured out what it takes to get there?
This is important because LED bulbs come in different types such as Blue, White, Warm, etc. If the light tone is acceptable I’ll order more and put them in the living room, bathroom, etc. As a new employer, you will quickly realize that you need a way to reimburse employees for general business expenses like office supplies, telephones, mileage, software, training fees, etc. Employees may appreciate being reimbursed as soon as possible, instead of waiting for the normal paycheck.

You might include the purpose for the meal in the Description if you are listing many items on a single form. You can then use the Auto Loan Payment Calculator (another worksheet within the Excel workbook) to create an amortization schedule and analyze different types of loans by changing the loan amount, interest rate, term of the loan (years), and the payment frequency. See how making extra payments can help you pay off your car loan early and reduce the amount of total interest paid. In the Payment Calculator, you can also enter values in the yellow cells (the Extra Payments column). You can save (or print out) two different versions of the spreadsheet in order to make comparisons.
This tough-love post got a big mention in Rob Carrick’s Globe and Mail roundup Broke?
Brimming with several chicken recipes and boasting endless clucky ideas, it just goes to show ya how much money can be saved with a simple plan, a few frugal ingredients, and a slow cooker or a crock pot.
Everyone who downloaded these three goal-setting worksheets knows what I’m squawking about.
If you like the warm lighting in your living room then you may be shocked at the bluish tint given out by your new LED lighting. If the Luman level isn’t quite high enough for a big room I can always replace our ceiling fan with one that has built-in lamps (also refitted with LEDs) to provide even more lighting. A while ago, I created a Travel Expense Form, but for these other expenses, a more general Reimbursement Form will suffice. Remember to customize the list of items in the Categories worksheet and keep the mileage rate note up-to-date (see the references below for the current rates). If you write a check, make sure to write Expense Reimbursement in the Memo field or otherwise indicate that the check is a reimbursement rather than a normal paycheck.
The spreadsheet has been left unlocked, to give you complete freedom to modify it as needed for your personal use. Since I snap every picture on this site myself, the posts with photos are the most time consuming, and thankfully among the most popular with you guys. The cost is just our time — which is substantial, so I very much appreciate your praise. All you need is a simple spreadsheet for this type of form, so our free expense reimbursement template below is just the thing.
However, make sure you know how the equations and formulas work before you try to branch out on your own. For new bloggers without the programming prowess, I highly recommend starting with a free theme (just Google around) and then try to write some content. Generally speaking, I find the most expensive cards are not worth it, even though I do put a lot on the card. We don't provide technical support for creating custom spreadsheets, but if you have some suggestions or comments, please let us know.
If blogging quickly becomes something you love, I recommend buying a theme (Thesis or Frugal are popular) and customizing your site from there.

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08.07.2014 admin

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