Comments on: The No Credit Needed Notebook http://www.ncnblog.com/2009/02/27/the-no-credit-needed-notebook/ Debt Reduction Rocks - We Are Living Debt Free! Sat, 21 Nov 2009 11:44:22 -0800 http://wordpress.org/?v=2.8.6 hourly 1 By: MICHAEL HEDRICK http://www.ncnblog.com/2009/02/27/the-no-credit-needed-notebook/comment-page-1/#comment-161363 MICHAEL HEDRICK Fri, 22 May 2009 01:55:05 +0000 http://www.ncnblog.com/?p=2251#comment-161363 Please tell me how to modify the program to calculate compounded interest charges. As the program currently stands, I have to manually enter day one balance and multiply it by 0.019836 DPR same as 7.24%APR for my card, and when finished, the screen looks something like 0.8374837223 in the purchase column and $4,224 [as an example] in the day two column. When you click on the payment column showing 0.83, then it shows the full number 0.8374837223. Therefore, I have to open my calculator program and manually calculate day 2 through day 30 of interest. When I have entered in the DPR for each day in that day's purchase column, then the program calculates everything else perfectly. Please respond. Thanks Michael H. P.S. After H.R. 627 goes into law next year, credit card companies will not be allowed to charge interest on fees and interest. Also, sometimes credit cards will have different APRs on different purchases. [Note for further research.] Please tell me how to modify the program to calculate compounded interest charges. As the program currently stands, I have to manually enter day one balance and multiply it by 0.019836 DPR same as 7.24%APR for my card, and when finished, the screen looks something like 0.8374837223 in the purchase column and $4,224 [as an example] in the day two column. When you click on the payment column showing 0.83, then it shows the full number 0.8374837223. Therefore, I have to open my calculator program and manually calculate day 2 through day 30 of interest. When I have entered in the DPR for each day in that day’s purchase column, then the program calculates everything else perfectly.
Please respond. Thanks Michael H.
P.S. After H.R. 627 goes into law next year, credit card companies will not be allowed to charge interest on fees and interest. Also, sometimes credit cards will have different APRs on different purchases. [Note for further research.]

]]> By: thomas http://www.ncnblog.com/2009/02/27/the-no-credit-needed-notebook/comment-page-1/#comment-148855 thomas Sun, 01 Mar 2009 06:48:52 +0000 http://www.ncnblog.com/?p=2251#comment-148855 nice stuff. thanks for putting together. nice stuff. thanks for putting together.

]]> By: April http://www.ncnblog.com/2009/02/27/the-no-credit-needed-notebook/comment-page-1/#comment-148838 April Sun, 01 Mar 2009 05:30:18 +0000 http://www.ncnblog.com/?p=2251#comment-148838 Thanks--great resources and a great website! Thanks–great resources and a great website!

]]> By: Jazed http://www.ncnblog.com/2009/02/27/the-no-credit-needed-notebook/comment-page-1/#comment-148831 Jazed Sun, 01 Mar 2009 04:06:02 +0000 http://www.ncnblog.com/?p=2251#comment-148831 Thanks for these, I'm an OpenOffice user as well, I will be giving these a shot! Thanks for these, I’m an OpenOffice user as well, I will be giving these a shot!

]]> By: Nate @ Debt-free College http://www.ncnblog.com/2009/02/27/the-no-credit-needed-notebook/comment-page-1/#comment-148690 Nate @ Debt-free College Fri, 27 Feb 2009 20:31:52 +0000 http://www.ncnblog.com/?p=2251#comment-148690 Thanks! I do my budget on OpenOffice.org, so this is great. Thanks, Nate http://debtfreecollege.blogspot.com Thanks! I do my budget on OpenOffice.org, so this is great.

Thanks,
Nate
http://debtfreecollege.blogspot.com

]]> By: Corporate Barbarian http://www.ncnblog.com/2009/02/27/the-no-credit-needed-notebook/comment-page-1/#comment-148689 Corporate Barbarian Fri, 27 Feb 2009 20:28:44 +0000 http://www.ncnblog.com/?p=2251#comment-148689 I use a similar concept, but mine is an Excel spreadsheet. I have all of the contact info embedded in a time phased income and expense sheet. I also list the withholdings from my paycheck in order to have a good estimate at financial aid time. I use a similar concept, but mine is an Excel spreadsheet. I have all of the contact info embedded in a time phased income and expense sheet. I also list the withholdings from my paycheck in order to have a good estimate at financial aid time.

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