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Besides the usual daily events and journal pages, the planner is broken down into eight sections. The flexible Crazy Lady Day Planner will help you keep the information you need most at your fingertips! The Crazy Lady Day Day Planner originates from the "sudden" realization that my busy and chaotic life will never fit into an ordinary "business" day planner. Use our Debt Reduction Calculator to help you eliminate your credit card, auto, student loan, and other debts. 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). Debt Snowflaking: This is a term for making extra debt payments above the normal monthly payment (above and beyond the normal snowball).
Help us help others break free from the bonds of debt by spreading the news about this free debt reduction tool. 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 Crazy Lady Planner is set up like many of the personal planners you've seen advertised, except that it's more specifically geared toward those of us who admit that we must be crazy to do all the things we do! Continue reading below the download block for links to useful blog articles and information about the various debt reduction strategies. The Debt Reduction Calculator is a simple spreadsheet available for Microsoft Excel®, OpenOffice, and Google Sheets, that helps you come up with a plan.

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. If this sounds remotely familiar to you then you will be amazed at how the flexible Crazy Lady Day Planner will help you keep the information you need most at your fingertips!
For example, lets say you have a monthly debt payment of $200 and you are adding an extra $100 to help pay the debt down faster.  Once you have this debt paid off you will apply the extra $200 plus the $100 towards the next debt. The more you can squeeze out of your budget to increase your debt snowball, the faster you'll reach your goals. You need to balance your debt reduction goals with the need for an emergency fund and other important financial goals. It creates a debt snowball payment schedule that can help you manage your payments to most effectively pay off your debts. 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. The benefit of this method is the psychological effect of seeing the number of debts disappear quickly. For example if you have a credit card with a $3000 balance and the payment is $100 and you’re paying $50 extra every month, you can use that money for the extra payment you need to pay down your debt.
Last but not least you will want to check out your payment schedule which you can find marked at the bottom of the page.  In the example below you will be able to see how many months it took to pay off the debt, the month it will be paid off, and how much interest you paid on the debt.
Getting out of debt is not easy, but with a good plan and firm determination, it is entirely possible. Next, in the course of setting up your debt elimination program we need to choose a strategy that will best suit your situation.  Below I will discuss each option. Finally, you will see the growth chart which will give you a visual picture of how your debts will be paid off.  In the chart below the green represents the amount of money increasing and being applied to each debt by the plan while the red line shows the interest being paid down. The Prestonwood Bookstore (at the Plano and Dallas campuses) offers Bibles and other resources for every age. An important note I should add is that what ever money you do apply to your plan you must keep adding that money up to the next debt once you get the first debt paid off in order to make your plan work effectively.

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