Monthly Archives: August, 2008
Calculating Average Daily Balance With Free Spreadsheet
Click here to view and download the entire No Credit Needed Notebook. Many credit card companies use the Average Daily Balance Method when calculating how much interest they charge their customers during a particular billing cycle. I have created a free-to-download spreadsheet that will help you calculate – The Average Daily Balance The Impact of [...]
You. Can.
In April of 2005, I had an ‘ah ha’ moment. As I sat staring at the paltry amount of money in my checking account, it occurred to me that I had been working for more than half of my life, and yet, I was broke, in debt, and I had no plan for my financial [...]
How To Get Out Of Debt – An Illustrated Guide To Debt Reduction
If you want to get out of debt, you need three things – a plan, some money, and lots of determination. I can’t provide you with the money or the determination, but I can give you some ideas for how to create an awesome plan. List your creditors, your current balances and your current interest [...]
10 Ways To Save Money On The Golf Course
I love to play golf. I also love to save money. Here’s how to save a few bucks when hitting the links. Avoid weekend/holiday rates. Most public courses offer discounted rates when you play on a weekday. Share a bucket of range balls with your playing partner. Spend a few extra minutes on the putting [...]
