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Author: admin | Category: Loan Calculator Canada | Date: 20.06.2014

About 10 years ago, my wife and I were straddled with so much debt that we thought it would take the rest of our lives, or at least the next sixty years, to pay it all off.
That’s when I sat down with a blank Microsoft Excel spreadsheet in front of me and just started playing around, using various techniques to cut down our budget to bare bones, and create a debt plan that wouldn’t take decades to eliminate our debt, but also wouldn’t keep us eating Macaroni and Cheese for dinner until we retire. Today, I’m going to share a few of the nifty spreadsheet techniques that I used to generate a usable (and useful) budget, and finally, I’m going to share a technique to pay down your debt in a fraction of the time using the same exact payments you’re making today.  It’s a trick that I’ve seen a lot of guys trying to sell elsewhere on the net – I’m going to share it with MakeUseOf readers here, for free.
However, here I’ve gone an extra step and added a column to the right for each month for easy expense tracking. First, select the box where the intersection at the upper left represents the row and column that you don’t want to scroll when you use the spreadsheet’s scrollbars. Now, when you scroll up or down (as shown here), the header and left column remain static, so you always know what the value you’ve selected applies to. I remember looking for a free budget spreadsheet back then and finding all of these templates filled with data that just made my head ache. As you can see here, the first section of the budget pertains to bills, including household utilities and fixed bills, as well as another section devoted to only credit cards.
As you can see, once you start shading rows, the entire spreadsheet becomes much more organized and easier to follow. The “Fill” tool is located on the Excel menu bar and appears as a paint can tipping over with paint pouring out. Now that you can make a personal budget that is well organized and structured in a way that’s very easy to follow, the next step is attacking that nagging credit card debt that’s been plaguing you for years.
Set up your debt log in the same way – split and freeze the panes, but this time list each month along the left, and your credit card balances (and monthly payments) to the right. Then you subtract your monthly payment from the balance, and add the interest that you just calculated. When you do this projection, you’ll eventually find the spot where the balance is completely paid off. By playing around with this kind of spreadsheet, I uncovered the very simple, common-sense solution that a lot of scammers out there are charging people for.
Do you use Excel or other spreadsheets to make a personal budget or to plan out your family bills?
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This looks so amazing, I have been wanting to take control over my life for a while and this is what I have been looking for.
Question if you don't mind, I have some outstanding bills as well, will this calculate if I am making payments to break down certain bills as well until they are payed off? If you have a template for your spreed sheet that I could change to suit my personal needs I would be forever grateful.
I am getting ready to set up our budget and plan to financial freedom to be ready on the 1st. This article may contain affiliate links, which pays us a small compensation if you do decide to make a purchase based on our recommendation.

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Free newsletter, sign up today!Want more news, tips and information from NottaLotta, sign up for our newsletter today! The combination of school loans, car loans and credit card debt was enough to make a grown man double over and cry. In the end, I was able to eliminate all of our credit card debt in only 5 years, and we even had good enough credit in the end to get approved for a low-rate mortgage to buy our first home. List your bills in the first left column, and then in the next few columns list total balance you owe, monthly required payments, and the date that the bill is usually due.  These four columns are really all you need to create a budget.
However, once you get a large number of columns and rows, the screen starts to scroll and you can’t always see the bills to the left or the header at the top. This is a very useful feature and since I have a very bad short term memory, it has saved me a great deal of frustration where I normally would have had to keep scrolling back to check which bill I’d selected.
Without clear lines separating the major sections of your budget, you’ll have a hard time zoning in on the area that you’re interested in. At the bottom of this particular section, the total for fixed bills is highlighted with light green shading so it’s clear and easy to find. Just highlight the entire row (click the numbered gray cell to the left) and then click the Fill button and select what color you’d like to use. In these next examples, the same formatting techniques are used to create a list of credit card balances and monthly payments. After you’ve entered in your current balance in the top cell (for example, in this case Capital One is $3,000), in the next cell below it you would enter a formula that multiplies that balance by your card’s interest rate and divides by twelve. Once you’ve got that first cell calculated correctly, you can duplicate the formula for every month below it by clicking and holding the small box to the lower right of the cell you just calculated, and dragging it down as far as you like. As you can see from my own calculations, when I maintain a $250 payment every month until it’s paid off, it’ll take me until July 2012 to pay off the entire Advanta credit card balance.
Instead of maintaining constant payments on each of your credit cards until it’s paid off – you pay the minimum balance on all of them, and divert all of your current “debt-payment” money toward the credit card with the highest interest. By using the ability to “autofill” the monthly balance calculations, I tested different scenarios to pay off debts faster. If you have additional credit card balances, you simply “snowball” the payment and eliminate your debt in months rather than years. Our judgement is in no way biased, and our recommendations are always based on the merits of the items.

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After years of anticipation, hype, and fervent discussion, it's time to take the wrapper off Hello Games' procedural space simulation for PS4 and PC. There came a moment when we realized that we either had to make a personal budget that could outsmart the system or it would keep us enslaved for our entire adult lives.
Your bottom line is how much you have left over for fun, or how much fun you have to cut out of your lifestyle before you go bankrupt. The best way to organize a budget spreadsheet is by shading each summary section between your major groups. Instead of paying $100 on Discover and taking until 2011 to pay that balance off, I paid $200 and will have it paid off by December 2009. Excel allows you to see that concept in a very cool graphical form by using the formula “autofill” feature.
I always get frustrated with finances, but I'll try my best to better understand the credit card debt. It sounds easy, but when you start entering all of your details into a spreadsheet, things get very messy very quickly.
According to an analysis by CRISIL, in the second half of FY15-16, the credit ratio (ratio of upgrades to downgrades) was 0.76. The challenge is particularly acute in certain sectors such as infrastructure and metal-linked firms where, according to CRISIL, the debt under stress is at a record level.
As the economy improves, we expect certain other sectors (such as consumer oriented) to benefit from higher demand and improve their credit metrics. This presents a contagion risk for the markets since in case there is a need for any investor to liquidate its portfolio over a short notice, it will be exceedingly difficult to do so. Exposure to a single issuer has been reduced from 15% to 10%, exposure to a single sector has been reduced from 30% to 25%, and a new limit of 20% in aggregate exposure to entities of group companies of borrower group has been introduced.
Each issuer is subject to a thorough credit research process before being admitted to an investment universe. However, recent shift into higher quality funds as well as increased regulatory oversight from Sebi are both positive developments which bode well for the industry going forward. Other investors should ensure that they understand the positioning of their funds before investing and ensure that they do not over-allocate to any one sector of the market however tempting historical returns may look. Focus should be on prudent diversification that combines allocation between credit and higher quality funds.

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