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Cost of credit cards and mortgages .... the spreadsheets

(103 Posts)

MNHQ have commented on this thread.

Talkinpeace Sat 23-Mar-13 22:07:13

A while ago I wrote a spreadsheet to help a client understand that if he bought a Bugaboo on his credit card he'd still be paying for it when the child started University

here it is

And then on a thread this evening, somebody asked about how to explain the risks of an interest only mortgage
so I wrote this

Enter your figures into the highlighted boxes and the sheets do the rest ....
I check them every few weeks and correct any glitches ...

frissonpink Thu 11-Jul-13 13:54:06

Phones? (or have I missed it!)

Boiler insurance grin

Properly Management Fees (in my case booo)

Talkinpeace Thu 11-Jul-13 14:03:46

thats why I always ask for input ....
first draft will be up shortly

RobotBananas Thu 11-Jul-13 14:05:26

Fantastic thread - marking for later

Talkinpeace Thu 11-Jul-13 14:34:05

Here you go,
have a look and a play and comment here
I'll do corrections this evening

frissonpink Thu 11-Jul-13 15:15:12

ooh going to steal and try and sort out our non existent finances! grin

soo wish i could use excel it baffles my brain!

Talkinpeace Thu 11-Jul-13 16:34:01

*frisson : pop your numbers in : if you change the date at the head of "your column" you can play with it.

frissonpink Thu 11-Jul-13 17:17:57

I shall go and have a go now ooh excited!

Talkinpeace Mon 22-Jul-13 11:10:56

bumped just for mum2fergus

Mum2Fergus Wed 24-Jul-13 20:07:46

Thank you!

Sleepyhead33 Fri 26-Jul-13 07:48:56


Talkinpeace Sat 27-Jul-13 19:49:47

for Sillydecisionmaker on Money Matters

Talkinpeace Tue 30-Jul-13 14:02:33

bump for nkf

FuckItLifeIsTooShort Sat 03-Aug-13 08:15:52

These are great, what is the eBay page you referred too? I have some items I want to try selling and wonder if it helps to calculate costs.

bamboostalks Sat 03-Aug-13 19:37:59

Thanks for this, v kind of you and empowering too. Also interested in eBay stuff?

Talkinpeace Sat 03-Aug-13 19:41:19

my ebay page is the only reason the pinks (now blues) always chickened out of banning me
its the small business bible : checked over many many years by many many accountants

SoftKittyWarmKitty Mon 05-Aug-13 18:16:25

Ok, I think I'm being a bit thick but on the budgeting spreadsheet, do I put my figures in the next available column? How do I get rid of other people's info (no offence smile)? Also, is it annual or monthly?

There's no allowance on there for Christmas spending, birthday presents - not sure if that should be on?

Talkinpeace Mon 05-Aug-13 18:40:02

I'd rather everybody added theirs in so that we can learn from each other

oooh, presents YUP forgot them

annual is easiest but monthly is fine

I've no problem with people downloading it to their own machines by the way

FlouncyMcFlouncer Mon 05-Aug-13 19:29:35

For those of us (me) who are a bit hard of thinking, how do I download it?

Talkinpeace Mon 05-Aug-13 19:39:51

"download as"

FlouncyMcFlouncer Mon 05-Aug-13 19:47:09


<<dickhead emoticon>>

Talkinpeace Mon 05-Aug-13 19:50:28

no worries
its more important to me that people take hold of their finances and stop the bankers ripping us all off

DoubleRainbow Mon 05-Aug-13 21:25:52

Hi, thanks for this.

can you add in credit card payments and broadband/tv, tv licence?

Talkinpeace Mon 05-Aug-13 21:34:35

debt repayment interset is in "unavoidable"
what you buy with the credit card goes in the appropriate area

broadband / TV - can go in with phone but yes, will adjust

Talkinpeace Mon 05-Aug-13 21:39:21

that should be better

FlouncyMcFlouncer Mon 05-Aug-13 21:55:04

It's a great spreadsheet. Sadly I find it impossible to do a proper budget as I have a massively variable income. But having put the figures in I now know how much I need to earn each month. (And usually don't.) sad

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