Threads

See more results

Topics

Usernames

Mumsnet Logo
Please
or
to access all these features

Mumsnet has not checked the qualifications of anyone posting here. Free legal advice is available from a Citizen's Advice Bureau, and the Law Society can supply a list of local solicitors.

SPREADSHEETS for : Debt Control, Budgeting, Mortgages etc
210

TalkinPeace · 03/02/2014 19:52

The best way to get finances under control is to see what impact decisions will have.
But lots of people do not enjoy writing spreadsheets.
I do.

Credit Cards
If you pay the minimum on a credit card, it will take up to 18 years to pay off.
With a couple of really simple steps, you can clear those debts in a fraction of the time.
Input your numbers here
docs.google.com/spreadsheet/ccc?key=0AiZqlQ7-gn07dHRoTXA5Qnlld25UWkw1TEhZZk9IYVE&authkey=CMjc4JEB&authkey=CMjc4JEB#gid=0

Mortgages
Lots of people have mortgages where they are only paying the interest, without fully understanding that this means they are only really renting their home, rather than paying off the loan.
Have a look at the implications here
docs.google.com/spreadsheet/ccc?key=0AiZqlQ7-gn07dDN4clg5OXhLMGJWbHZhOEo4UTJINEE#gid=0

Budgeting your income and expenditure
Its easy to firefight rather than plan when life gets tight.
This spreadsheet puts spending by order of necessity so makes it easier to see where you are
docs.google.com/spreadsheet/ccc?key=0AiZqlQ7-gn07dFRwOFJENmVzX1RHR05UMGtIYkltcWc&usp=drive_web#gid=0

All of the spreadsheets are a general resource - feel free to download them to your own computer and make use of them.

Please do not damage the master copies - but I do check them every week or so.

If there are any spreadsheets that you would like me to write, ask and I'll see what I can do.

As a slight aside, here is the link to my Ebay Me page all about the tax side of running a small business
members.ebay.co.uk/ws/eBayISAPI.dll?ViewUserPage&userid=talkinpeace

OP's posts:
Please
or
to access all these features

Kestant · 18/03/2018 09:04

This has been really useful, I've managed to reduce my costs enormously and paid my tax on time;

  • realised I had one too many staff so sacked a part timer and saved £8k a year
  • transferred extra savings to a Gibraltar bank account
  • bought a new car and off to Maldives in April
Please
or
to access all these features

TalkinPeece · 04/04/2018 17:50

Boing - just bouncing this up for all the Spring viewers

Please
or
to access all these features

Mookie81 · 04/04/2018 22:02

Placemarking xx

Please
or
to access all these features

reeree1805 · 05/04/2018 07:08

Hi i cant get the credit card one to work. It wont let me put my numbers in . It would be very useful . Anyone help x

Please
or
to access all these features

cozietoesie · 05/04/2018 09:41

I'm sure they can. (The spreadsheet author is on the thread.) Keep watching the thread.

Please
or
to access all these features

TalkinPeece · 05/04/2018 15:29

Hi there reeree
It should do ....
I had to put a stack of protection on it because people kept overtyping the formulae.
I think it only works properly on full size computers (not phones or tablets)

it will give the "you are typing warning" but you just say "yes" and go ahead

otherwise, PM me your numbers and I'll pop them in for you :-)

Please
or
to access all these features

WrenNatsworthy · 15/04/2018 11:55

Following!

Please
or
to access all these features

KeepCalm · 22/04/2018 22:27

Marking my place too. Thank you @TalkinPeace

Please
or
to access all these features

TalkinPeece · 28/04/2018 15:26

bump for @UsedToLoveMorrissey

Please
or
to access all these features

BG2015 · 29/04/2018 20:51

Thanks these are great

Please
or
to access all these features

grafittiartist · 29/04/2018 21:56

Thank you

Please
or
to access all these features

NapQueen · 30/04/2018 09:41

@TalkinPeace the income and expenditure spreadsheet looks ideal for what I need. However i can only seem to download in PDF and it then wont convert - do you have an excel version?

Please
or
to access all these features

MustDust · 30/04/2018 13:06

My laptop only has Excel 2007 and won't let me download them, and in the spirit of not spending I don't want, or otherwise need, to upgrade. Don't suppose there's a version of the spreadsheet in an old format is there? Thank you.

Please
or
to access all these features

TalkinPeece · 30/04/2018 13:19

Get Openoffice software : its like excel but free
then you can download them no problem

Please
or
to access all these features

MustDust · 30/04/2018 17:50

@TalkinPeece thank you, that worked perfectly.

Please
or
to access all these features

NapQueen · 30/04/2018 17:57

Super thanks

Please
or
to access all these features

TalkinPeece · 08/06/2018 20:46

bump for @Onebloodyjob

Please
or
to access all these features

slinkyme · 11/06/2018 11:27

TiP these are great spreadsheets. Thanks for these. Have used the credit card one so far. Do you have anything on mortgages where you pay interest but where you can bring term down if you overpay monthly.

Also anything for pension schemes ie a company scheme if we increase our contribution. Thanks

Please
or
to access all these features

Ta1kinpeace · 04/08/2018 17:23

@slinkyme
Apologies, the thread had dropped off my radar

the mortgage one can be played with to show how overpayments wok
download it and alter it to meet your needs

Pension schemes - I'm not an IFA and they are much too variable !

Please
or
to access all these features

Ta1kinpeace · 04/08/2018 17:34

All sheets mended today Smile

Please
or
to access all these features

cozietoesie · 04/08/2018 17:39

Thanks, Ta1kin. Smile

Please
or
to access all these features

Ta1kinpeace · 06/10/2018 13:37

Bumping so that those just starting on the debt management journey can see how the trick works

Please
or
to access all these features

Ta1kinpeace · 27/10/2018 15:00

Random Bump because the topic has come up on AIBU today

Please
or
to access all these features

NotSuchASmugMarriedNow1 · 28/10/2018 18:04

A great resource thank you so much OP. I have just used the credit card spreadsheet to double my monthly payments i'm currently making. When you see it in black and white in front of you the difference is amazing.

Please
or
to access all these features

Ta1kinpeece · 28/10/2018 20:03

Grin Happy to help.
Please feel free to share / borrow / suggest to others

I loved writing them
and I love that they make people's lives better

Please
or
to access all these features
Please create an account

To comment on this thread you need to create a Mumsnet account.