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#Work time clock calculator with lunch pdf#
#Work time clock calculator with lunch update#

Look at the results table to see the debts in your chosen order along with the total interest paid and the months to pay off each debt.

This initial snowball, or "extra payment," is applied to one debt target at a time, depending on the order defined by your chosen strategy. The difference between the total minimum payments and your total monthly payment is your initial snowball.

Enter the total monthly payment that you can pay each month towards your debts, based on your home budget.

#Work time clock calculator with lunch update#

This spreadsheet assumes a fixed minimum payment for each debt, so you may want to update the calculator every few months. For some debts, like credit cards, the minimum payment may change over time. You may need to verify your minimum payment with your lending institution.

Enter the minimum payment you will make each month for each debt.

Enter abbreviated names for your 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).

Bonus Spreadsheet: The pro version includes a commercial license of the Credit Repair edition.įollow these simple steps to use the debt snowball worksheet:.

#Work time clock calculator with lunch pdf#

You can use it to print reports or create PDF reports, but the commercial license doesn't permit sharing the actual spreadsheet file.The templates includes a section at the top to list your client's name and the preparer's name and address (see the screenshot).

Unlike the free version, which is allowed only for personal use, you can use the pro version to help clients that you are advising.The Commercial Use License allows you to use the spreadsheet in your business. 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. The Pro version of the calculator serves two main purposes: 1. Thanks for sharing a great way to evaluate and strategize debt reduction." - Morgen Kimbrell & David Hayhurst The Debt Reduction Calculator saved us hours of time, a quarter of a million dollars and will result in our paying off all loans in 1/2 the time.

When we found the debt reduction calculator we ran multiple preprogramed scenarios, and a couple of our own and discovered the optimum method for us. We were paying down each loan, distributing our liquid cash among all the loans evenly. "We have multiple rentals, and so mortgage loans. What users are saying about this template