Sheet 1: Budget Mo. & Yr.

	
	
	
	
	
	
	
	
	
	
	

		
(Household Name)
		


		


		


		


		


		


	
	

		
Current Scenario
		


		
Alternate Scenario - One Income
		


	
	

		


		


		


		


		


		


		


		


		


		


	
	

		
Income
		


		
Income
		


	
	

		


		


		
Average Monthly
		
Annually
		


		


		


		
Average Monthly
		
Annually
		


	
	

		
Spouse 1
		
Gross
		
 $4,166.67 
		
 $50,000.00 
		


		
Spouse 1
		
Gross
		
 $6,250.00 
		
 $75,000.00 
		
*
	
	

		


		
Taxes
		
 $833.33 
		
 $10,000.00 
		


		


		
Taxes
		
 $1,250.00 
		
 $15,000.00 
		
*
	
	

		


		
Net
		
 $3,336.67 
		
 $40,040.00 
		


		


		
Net
		
 $5,000.00 
		
 $60,000.00 
		


	
	

		


		


		


		


		


		


		


		


		


		


	
	

		
Spouse 2
		
Gross
		
 $4,166.67 
		
 $50,000.00 
		


		


		


		


		


		


	
	

		


		
Taxes
		
 $833.33 
		
 $10,000.00 
		


		
Expenses
		


	
	

		


		
Net
		
 $3,333.33 
		
 $40,000.00 
		


		


		


		
Average Monthly
		
Annually
		


	
	

		


		


		


		


		


		
Tithe
		


		
 $625.00 
		
 $7,500.00 
		


	
	

		
Combined
		
Gross
		
 $8,333.33 
		
 $100,000.00 
		


		
Charity
		


		
 $139.00 
		
 $1,668.00 
		


	
	

		


		
Taxes
		
 $1,666.67 
		
 $20,000.00 
		


		
Child Sponsor
		


		
 $35.00 
		
 $420.00 
		


	
	

		


		
Net
		
 $6,670.00 
		
 $80,040.00 
		


		
Mortgage/Taxes/Ins
		


		
 $1,250.00 
		
 $15,000.00 
		


	
	

		


		


		


		


		


		
Electricity/Gas
		


		
 $150.00 
		
 $1,800.00 
		


	
	

		


		


		


		


		


		
Water
		


		
 $58.33 
		
 $700.00 
		


	
	

		
Expenses
		


		
Telephone
		


		
 $75.00 
		
 $900.00 
		


	
	

		


		


		
Average Monthly
		
Annually
		


		
Health Insurance
		


		
 $508.33 
		
 $6,100.00 
		


	
	

		
Tithe
		


		
 $833.33 
		
 $10,000.00 
		


		
Groceries
		


		
 $346.67 
		
 $4,160.00 
		


	
	

		
Charity
		


		
 $139.00 
		
 $1,668.00 
		


		
Gasoline
		


		
 $281.67 
		
 $3,380.00 
		


	
	

		
Mortgage/Taxes/Ins
		


		
 $1,250.00 
		
 $15,000.00 
		


		
Life Insurance
		


		
 $68.00 
		
 $816.00 
		


	
	

		
Child Care
		


		
 $500.00 
		
 $6,000.00 
		


		
Auto Ins
		


		
 $81.58 
		
 $978.96 
		


	
	

		
Electricity/Gas
		


		
 $150.00 
		
 $1,800.00 
		


		
Gifts & Misc. Savings
		


		
 $100.00 
		
 $1,200.00 
		


	
	

		
Water
		


		
 $58.33 
		
 $700.00 
		


		
Clothing
		


		
 $100.00 
		
 $1,200.00 
		


	
	

		
Telephone
		


		
 $139.00 
		
 $1,668.00 
		


		
Auto/Repair
		


		
 $250.00 
		
 $3,000.00 
		


	
	

		
Internet
		


		
 $45.00 
		
 $540.00 
		


		
Furniture
		


		
 $100.00 
		
 $1,200.00 
		


	
	

		
Gasoline
		


		
 $346.67 
		
 $4,160.00 
		


		
Roth/IRA Savings
		


		
 $916.67 
		
 $11,000.00 
		


	
	

		
Groceries
		


		
 $346.67 
		
 $4,160.00 
		


		
Spending
		


		
 $216.67 
		
 $2,600.00 
		


	
	

		
Spending
		


		
 $216.67 
		
 $2,600.00 
		


		
Entertainment
		


		
 $108.33 
		
 $1,300.00 
		


	
	

		
Entertainment
		


		
 $108.33 
		
 $1,300.00 
		


		
Internet
		


		
 $45.00 
		
 $540.00 
		


	
	

		
Life Insurance
		


		
 $68.00 
		
 $816.00 
		


		
Gym Membership
		


		
 $100.00 
		
 $1,200.00 
		


	
	

		
Auto Ins
		


		
 $81.58 
		
 $978.96 
		


		
Netflix
		


		
 $8.43 
		
 $101.16 
		


	
	

		
Student Loan
		


		
 $130.00 
		
 $1,560.00 
		


		


		


		
 $5,563.68 
		
 $66,764.12 
		


	
	

		
Car Loan (debt snowball)
		


		
 $1,250.00 
		
 $15,000.00 
		


		


		


		


		


		


	
	

		
Savings Sweep
		


		
 $250.00 
		
 $3,000.00 
		


		
Summary
		


	
	

		
World Vision
		


		
 $35.00 
		
 $420.00 
		


		


		


		
Average Monthly
		
Annual
		


	
	

		
Gym Membership
		


		
 $50.00 
		
 $600.00 
		


		
Net Income
		


		
 $5,000.00 
		
 $60,000.00 
		


	
	

		
Netflix
		


		
 $8.43 
		
 $101.16 
		


		
Total Expenses
		


		
 $5,563.68 
		
 $66,764.12 
		


	
	

		


		


		
 $6,006.01 
		
 $72,072.12 
		


		
Difference
		


		
 $(563.68)
		
 $(6,764.12)
		


	
	

		


		


		


		


		


		


		


		


		


		


	
	

		
Summary
		


		


		


		


		


		


	
	

		


		


		
Average Monthly
		
Annual
		


		


		


		


		


		


	
	

		
Net Income
		


		
 $6,670.00 
		
 $80,040.00 
		


		


		


		


		


		


	
	

		
Total Expenses
		


		
 $6,006.01 
		
 $72,072.12 
		


		


		


		


		


		


	
	

		
Difference
		


		
 $663.99 
		
 $7,967.88 
		


		


		


		


		


		


	



Sheet 2: Annual Gifts

	
	
	
	
	
	

		
Gifts Given Annually by (Household Name)
		
	

		


		


		


		


		


	
	

		
Name
		
Christmas
		
Birthday
		
Father's Day
		
Mother's Day
	
	

		
Mom
		
 $60.00 
		
 $30.00 
		
 $30.00 
		
 $-   
	
	

		
Dad
		
 $60.00 
		
 $30.00 
		
 $-   
		
 $30.00 
	
	

		
Mom in-law
		
 $60.00 
		
 $30.00 
		
 $-   
		
 $-   
	
	

		
Dad in-law
		
 $60.00 
		
 $30.00 
		
 $-   
		
 $-   
	
	

		
G & G 1
		
 $60.00 
		
 $30.00 
		
 $-   
		
 $30.00 
	
	

		
G & G 2
		
 $60.00 
		
 $30.00 
		
 $30.00 
		
 $-   
	
	

		
G & G 3
		
 $40.00 
		
 $-   
		
 $-   
		
 $-   
	
	

		
G & G 4
		
 $-   
		
 $-   
		
 $-   
		
 $-   
	
	

		
Brother
		
 $-   
		
 $-   
		
 $-   
		
 $-   
	
	

		
Brother's Wife
		
 $-   
		
 $-   
		
 $-   
		
 $-   
	
	

		
Kid 1
		
 $-   
		
 $-   
		
 $-   
		
 $-   
	
	

		
Sister in-law
		
 $15.00 
		
 $-   
		
 $-   
		
 $-   
	
	

		
Brother in-law
		
 $15.00 
		
 $-   
		
 $-   
		
 $-   
	
	

		
Kid 1
		
 $-   
		
 $-   
		
 $-   
		
 $-   
	
	

		
Sister in-law 2
		
 $-   
		
 $-   
		
 $-   
		
 $-   
	
	

		
Brother in-law 2
		
 $15.00 
		
 $-   
		
 $-   
		
 $-   
	
	

		
Kid 1
		
 $15.00 
		
 $-   
		
 $-   
		


	
	

		


		


		


		


		


	
	

		
Totals
		
 $460.00 
		
 $180.00 
		
 $60.00 
		
 $60.00 
	
	

		


		


		


		


		


	
	

		


		


		
Total Spent all Year -->
		
 $760.00 
	
	

		


		


		


		


		


	
	

		
January
		
 $75.00 
		


		


		


	
	

		
February
		
 $45.00 
		


		


		


	
	

		
March
		
 $-   
		


		


		


	
	

		
April
		
 $-   
		


		


		


	
	

		
May
		
 $15.00 
		


		


		


	
	

		
June
		
 $15.00 
		


		


		


	
	

		
July
		
 $-   
		


		


		


	
	

		
August
		
 $-   
		


		


		


	
	

		
September
		
 $60.00 
		


		


		


	
	

		
October
		
 $-   
		


		


		


	
	

		
November
		
 $460.00 
		


		


		


	
	

		
December
		
 $30.00 
		


		


		


	
	

		
Total
		
 $700.00 
		


		


		


	



Sheet 3: Vertex Debt Calculator

	
	
	
	
	
	
	
	
	
	
	
	

		
Debt Reduction Calculator
		


		


		


		


		

 
		
		


		
Strategies
		


		


		


		


		


		


		
[42]
		


	
	

		
http://www.vertex42.com/Calculators/debt-reduction-calculator.html
		


		


		


		


		


		

		Limited Use Policy
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		© 2007 Vertex42 LLC
		


		
Snowball (Lowest Balance First)
		


		


		

 
		
		
	

		


		


		


		


		


		


		


		


		
Avalanche (Highest Interest First)
		


		


		
	

		


		

		Date:
Record the date that you entered your creditor information. This is for your own information, and the first payment in the Payment Schedule will be the 1st of the following month.  The Payment Schedule assumes that all payments are made on the first day of the month. This is probably not really the case, because many creditors bill at different times of the month.
		Balance Date:
		
1/1/2016
		


		


		


		


		


		
Order Entered In Table
		


		


		
	

		


		


		


		


		


		


		


		


		
No Snowball
		


		


		
	

		


		
Creditor Information Table
		


		


		


		


		


		


		
Custom - Highest First
		


		


		
	

		
Row
		

		Creditor:
Enter an abbreviated name for the creditor.
		Creditor
		

		Current Balance
This is the amount you currently need to pay off.
		Balance
		

		Annual Interest Rate:
Unless you know otherwise, enter the APR (Annual Percentage Rate). Most credit card rates will fluxuate over time, and can be affected by late payments and other factors, but this calculator just assumes a fixed rate.
		Rate
		

		Payment:
This is either your current minimum payment, or the amount you want to pay each month. You should verify your balance and minimum payment with your lending institution. It is possible that your rate and your minimum payment will change over time. This calculator assumes that the rate does not change.

Red Error Indication: If the cell shows a RED background, then that means that the Payment is less than the interest-only payment, and you need to increase the Payment. If the payment is less than the minimum required payment, you could end up paying extra fees and your interest rate might increase as a penalty. If the payment is not enough to cover the interest, then the interest is added to the balance (negative amortization) in the payment schedule. This may or may not be how your actual loan works.
		Payment
		

		Custom Criteria:
You can enter formulas or values in this column to control the order in which the debts are paid (e.g. the Term, or the numeric order you wish to pay the debts, etc.) In the STRATEGY dropdown box, you would then choose "Custom - Highest First", or "Custom - Lowest First".
		Custom
		

		Current Interest-Only Payment:
For your info, this column calculates the interest-only payment, based on the current balance and interest rate. Anything less than this amount will result in negative amortization in the payment schedule (interest added to the balance).
		Interest-only
		


		
Custom - Lowest First
		


		


		
	

		
1
		
Car loan 1
		
 15,000.00 
		
5.00%
		
 350.00 
		


		
62.50
		


		


		


		


		


		


		


		


		


		


	
	

		
2
		
Car loan 2
		
 15,000.00 
		
5.00%
		
 350.00 
		


		
62.50
		


		
Lowest Balance First: Gives you the benefit of the snowball effect, but you may
		


		


		


		


		


		


		


		


	
	

		
3
		
Student Loans
		
 40,000.00 
		
5.00%
		
 500.00 
		


		
166.67
		


		
pay more interest in the end than Highest Interest First. The main benefit of this
		


		


		


		


		


		


		


		


	
	

		
4
		
Credit card 1
		
 3,000.00 
		
15.00%
		
 100.00 
		


		
37.50
		


		
approach is the psychological effect of seeing the number of debts disappear
		


		


		


		


		


		


		


		


	
	

		
5
		
Credit card 2
		
 3,000.00 
		
15.00%
		
 100.00 
		


		
37.50
		


		
more quickly.
		


		


		


		


		


		


		


		


	
	

		
6
		


		


		


		


		


		
0.00
		


		


		


		


		


		


		


		


		


		


	
	

		
7
		


		


		


		


		


		
0.00
		


		
Highest Interest First: This strategy results in the lowest total interest, but 
		


		


		


		


		


		


		


		


	
	

		
8
		


		


		


		


		


		
0.00
		


		
depending on the balance of your higher interest loans, it may take you longer
		


		


		


		


		


		


		


		


	
	

		
9
		


		


		


		


		


		
0.00
		


		
to see your first loan/debt completely paid off. If the difference in the total
		


		


		


		


		


		


		


		


	
	

		
10
		


		


		


		


		


		
0.00
		


		
interest is not significant, than you may get more satisfaction from the Lowest
		


		


		


		


		


		


		


		


	
	

		


		
Total:
		
 76,000.00 
		
Total:
		
 1,400.00 
		


		


		


		
Balance First method.
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		

		Monthly Payment:
Enter the amount that you can set aside each month to pay off your debt. The amount should be greater than the sum of the individual payments. This calculator assumes fixed payments (except for the snowball), fixed rates, no late fees, no additional charges, and no other fees. Part of the monthly payment will go towards paying the interest due, and the other part will go towards reducing the balance(s).

Check Your Budget - To pay off your debts as soon as possible, choose the largest monthly payment that fits within your budget.
		Monthly Payment 
		
2,000.00
		
 . 
		


		


		


		


		
Order Entered in the Table: You can use the sort feature (Data>Sort) to
		


		


		


		


		


		


		


		


	
	

		


		

		Initial Snowball, Extra Payment, or Accelerator Margin:
This is the amount of money you have left over after making all the other necessary payments. It is calculated as the Monthly Payment minus the total monthly payments from the creditor table.
		Initial Snowball
		


		


		


		


		


		


		
choose how you want the snowball effect to work. For example, if you want 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
to use a combination of Lowest Balance First AND Highest Interest First, then
		


		


		


		


		


		


		


		


	
	

		


		
Strategy:
		
1
		


		


		


		


		


		
first select the creditor information table (B7:F17), then go to Data>Sort, and 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
sort by Balance:Ascending and Rate:Descending (or vice versa).
		


		


		


		


		


		


		


		


	
	

		


		
Creditors in
		
Original
		
Total Interest
		
Months to
		
Month Paid
		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Chosen Order
		
Balance
		
Paid
		
Pay Off
		
Off
		


		


		
Warning: If you are careful, you can rearrange the order of the entries in the
		


		


		


		


		


		


		


		


	
	

		


		
Credit card 1
		
 3,000.00 
		
 103.64 
		
5
		
Jun-16
		
 . 
		


		
creditor table by copying or cutting and pasting, but if you insert a row above
		


		


		


		


		


		


		


		


	
	

		


		
Credit card 2
		
 3,000.00 
		
 236.17 
		
8
		
Sep-16
		
 . 
		


		
row 1 or after row 10, the formulas will be messed up. You can cut row 1 (B8:E8)
		


		


		


		


		


		


		


		


	
	

		


		
Car loan 1
		
 15,000.00 
		
 790.43 
		
20
		
Sep-17
		
 . 
		


		
and paste it above row 3, or cut row 10 (B17:E17) and paste it above row 9.
		


		


		


		


		


		


		


		


	
	

		


		
Car loan 2
		
 15,000.00 
		
 1,128.15 
		
26
		
Mar-18
		
 . 
		


		
The calculator can handle up to 10 creditors.
		


		


		


		


		


		


		


		


	
	

		


		
Student Loans
		
 40,000.00 
		
 4,919.13 
		
42
		
Jul-19
		
 . 
		


		


		


		


		


		


		


		


		


		


	
	

		


		


		
 -   
		
 -   
		
-  
		


		
 . 
		


		
No Snowball: Select this option if you want to see how long it will take to pay
		


		


		


		


		


		


		


		


	
	

		


		


		
 -   
		
 -   
		
-  
		


		
 . 
		


		
off the debts without maintaining a constant monthly payment. In some cases, 
		


		


		


		


		


		


		


		


	
	

		


		


		
 -   
		
 -   
		
-  
		


		
 . 
		


		
you may find it will take more than 30 years (resulting in errors in the spreadsheet).
		


		


		


		


		


		


		


		


	
	

		


		


		
 -   
		
 -   
		
-  
		


		
 . 
		


		


		


		


		


		


		


		


		


		


	
	

		


		


		
 -   
		
 -   
		
-  
		


		
 . 
		


		
Custom-Highest or Custom-Lowest: You can manually control the order the 
		


		


		


		


		


		


		


		


	
	

		


		


		
Total Interest Paid: 
		
7,177.52
		
(Lower is Better)
		


		


		


		
debts are paid by entering numbers or formulas in the Custom column. For example,
		


		


		


		


		


		


		


		


	
	

		


		


		


		
Results are only estimates
		


		


		


		


		
if you enter the values 1,2,3,5,4 then rows 4 and 5 will be swapped. You can enter
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
your own formulas as well, whatever they might be.
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
Minimum Payments: This calculator does not provide the option of making only
		


		


		


		


		


		


		


		


	
	

		


		
[42]
		


		


		


		


		


		


		
the minimum monthly payments on credit cards or lines of credit. You can find
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
an online calculator with this feature at PowerPay.org. Also see Tip #3.
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
Tip 1: If you want to use the Lowest Balance First method and you have two debts that
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
are close to the same balance but have very different interest rates, you may 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
see a substantial reduction in the total interest paid if you change the order of
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
the two entries so that you pay the higher rate first. In that case, try using the 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
Order Entered in the Table strategy.
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
Tip 2: Like Tip 1, if you want to use the Highest Interest Rate method, and you 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
have two debts with similar rates but very different balances, you may want to 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
change the order so that you pay off the lower balance first. This may make very 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
little difference in the total interest, but it can make you feel better faster.
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
Tip 3: Update the Creditor Information Table every few months. Your minimum 
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
payments may change over time as the balance in your accounts change, or if your
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
interest rate changes. You may be able to further reduce your overall interest and
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
reduce the time to pay off your debts, by re-adjusting your minimum payments
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
every few months. This would mean starting over with a fresh template, entering
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
the new Balance Date, and updating the Creditor Information Table.
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
Tip 4 - Snowflaking: This is a popular new term given to making occasional extra
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
payments above the normal monthly payment. You can add debt "snowflakes" in the
		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		
PaymentSchedule worksheet.