The No Credit Needed Notebook is a collection of free personal finance management spreadsheets.
All spreadsheets are available in versions compatible with Open Office and Microsoft Office.
List of Creditors – List of Monthly Expenses – Pages 1 and 2
Use this page to create a list of your creditors, how much you owe each creditor, and contact information for each creditor. This page is very useful when setting up a debt reduction plan. Click to read more about how to use this page.
Use this page to create a list of and analyze monthly expenses. This page is useful when setting up your initial budget and it is a great brainstorming resource. Click to read more about how to use this page.
Inventory of Financial Accounts – Page 3
Use this page to create a list of your financial accounts, contact information for each account, and online information for each account. This page is very useful, especially if you need to create a list of accounts for your spouse. Click to read more about how to use this spreadsheet.
Printable Grocery Store Price Book – Page 4
Use this page to create your grocery store price book. This page is useful if you want to track the prices of items that you regularly purchase at the grocery store. Click to read more about how to use this spreadsheet.
Average Daily Balance Calculator – Page 5
Use this page to calculate the average daily balance of your credit cards. This page is useful for determining when to send your additional credit card payments and how timing your payments can save you money. Click to read more about how to use this spreadsheet.
Feel free to download these spreadsheets for personal use. The above mentioned spreadsheets are provided for free, and do not constitute financial advice.