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From maintaining a good credit score to avoiding heavy penalties on late payments, you must use spreadsheets to make computation and tracking tasks easier. Thanks for stopping by! Your support is appreciated. Tracking credit card payments is a very important monthly task that you just can’t afford to miss. I want you to be happy doing business with me so any questions are welcome. We are always trying to improve our products so any recommendations or thoughts are greatly appreciated. If you need something custom made, feel free to reach out. We take pride in creating simple, but comprehensive products at an affordable price. Please do not copy, share, redistribute or resell these spreadsheets. These products are meant for personal and not commercial use.
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If you only need up to 20 debts, here's the 20 debt tracker template. There is also an extensive instructions manual containing how to use this debt payoff worksheet excel spreadsheet as well as additional tips on how to pay off your debt, save and make more money. With a debt payoff plan in place, it'll calculate the debt free date and highlight paid debts so you know what you've already paid off! There's space for 30 debts and up to a 30 year payment plan. It's fun and simple to use and fully-automated with debt progress charts! Highlight your debt progress to stay motivated to increase your debt repayments.Track your monthly credit card debt so you can plan how to pay it off faster to be debt free.Visualize your total debt payoff so you can keep track of and take control of your debilitating debt.This Debt Reduction Spreadsheet for Excel will help you: Home 1 › Debt Tracker Excel Spreadsheet 30 Debts 2 Co-Parenting Google Sheets Spreadsheets.Productivity Google Sheets Spreadsheets.Check Register Google Sheets Spreadsheets.Money Dials could include things like fitness, convenience, luxury items, travel, self-improvement , and social status. By honing in on your Money Dials-the things you really love to spend on-you can prioritize your spending in a way that makes sense for you. Following this logic, you categorize your expenses into essential fixed costs, important investments, savings goals, and-last but not least-guilt-free spending.īy allocating space in your budget for the fun stuff (minus the guilt), you’re more likely to stick to that budget in the first place. Instead, consider trying a conscious spending plan. The truth is that living a life of constantly telling yourself “no” isn’t sustainable (or enjoyable). Many people assume that effective money management means scrounging, saving, and never enjoying life. You might also have smaller, more short-term goals, like saving for your dream wedding or buying a luxury car. Smart money management can help you achieve those objectives. You likely have some financial goals in your life, whether it’s improving your net worth, paying off your college student loans, or achieving FIRE (financial independence, retire early). But without planning for expenses, a big income can lead to big debt. But it doesn’t have to be! I spoke with a couple in episode 114 of my podcast who overspent on holidays because their earnings combined were a lot. The entire point of these tools is to simplify money management so you can think about your money less, not more.įor many people, budgeting and planning for big expenses like vacations are a struggle. Simplified spreadsheets help develop your plan, and budgeting apps, like those that automate expense tracking, help you stick to it. Finally, you need to stick to your plan.īudgeting spreadsheets and tools are great resources for creating a conscious spending plan. You then need to decide how much money to allocate to each bucket. You need to start with a bullet-proof budget, categorizing all of your expenses into one of these four buckets: fixed costs, investments, savings, and guilt-free spending. Conscious spending is a great way to enjoy life while still building a financially secure future.