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 – Page 1

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 spreadsheet.

List of Creditors – Page 1 – OpenOffice Version

List of Creditors – Page 1 – Microsoft Office Version

List of Monthly Expenses – Page 2

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 spreadsheet.

List of Monthly Expenses – Page 2 – OpenOffice Version

List of Monthly Expenses – Page 2 – Microsoft Office Version

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.

Inventory of Financial Accounts – Page 3 – OpenOffice Version

Inventory of Financial Accounts – Page 3 – Microsoft Office Version

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.

Printable Grocery Store Price Book – Page 4 – OpenOffice Version

Printable Grocery Store Price Book – Page 4 – Microsoft Office Version

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.

Average Daily Balance Calculator – Page 5 – OpenOffice Version

Average Daily Balance Calculator – Page 5 – Microsoft Office Version

Feel free to download these spreadsheets for personal use.  The above mentioned spreadsheets are provided for free, and do not constitute financial advice.

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The No Credit Needed Notebook

Please click here for detailed information about the No Credit Needed Notebook.

The following is “Page 3″ of the No Credit Needed Notebook.

The NCN Notebook is still in ‘alpha’ stage – and I invite you to leave comments for improvements.

Inventory Of Financial Accounts

While my wife and I work together to create our monthly budget, she’s not really involved in the day-to-day management of our retirement, investment, or savings accounts. So, if something were to happen to me, she would need a handy guide to all of our various financial accounts. I created a very simple, very easy-to-use, Inventory Of Financial Accounts.

I update the Inventory three or four times a year. I print copies of the Inventory. I take one copy to work, I put one copy in our filing cabinet, and I give one copy to a trusted friend. If something were to happen to me, my wife could use the Inventory and access our retirement, savings, and investment accounts.

If you are looking for an easy way to keep track of your financial accounts, check out the Inventory Of Financial Accounts.

Click here to download page 3 in the format of your choice -

Open Office Writer Document Page 3

Microsoft Word Document Page 3

Click here to see an image of page 3 -

Please note – Make sure that you don’t just leave this piece of paper lying around the house. A piece of paper (or a computer file) with bank account numbers and passwords could potentially be misused!

Please click here for more information about the No Credit Needed Notebook.

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Inventory Of Financial Accounts – No Credit Needed Notebook Pg 3

Please click here for detailed information about the No Credit Needed Notebook. The following is “Page 2″ of the Notebook. Please note, the Notebook is still in ‘alpha’ stage – and I invite you to leave comments for improvements. (If you didn’t take the time to click over and read about the Notebook, here’s the basic idea: I want you to download, use, and modify this resource. As you use it or modify it, all I ask is that you leave comments on my site, so that we can share ideas for improving the resource. I’m releasing this resource under a Creative Commons license, so you can modify it to your hearts desire, as long as you allow others to modify your work and as long as you attribute the original work to me, NCN.)

Single Page List Of Monthly Expenses

I like the idea of having data “right in front of me” – I created the Single Page List Of Monthly Expenses so that I can print a list of my monthly bills, along with due dates, and attach the list to a bulletin board in my home office. As a I make a monthly payment, I can checkoff that month’s bill from the list. Alternatively, I can keep a copy on my computer, and use it as a reference when making my budget.

I have released pages 1 and 2 (along with example pages) in several popular formats -

NCN Notebook PDF Pages 1 and 2

Also available in the following formats:

(All formats allow for printing and/or editing)

Open Office Formats

Open Office Writer Document Pages 1 and 2

Open Office Calc Spreadsheet Page 1

Open Office Calc Spreadsheet Page 2

Microsoft Office Formats

Microsoft Word Document Pages 1 and 2

Microsoft Excel Spreadsheet Page 1

Microsoft Excel Spreadsheet Page 2

Finally, click here to see an image of the second page:

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Single Page List Of Monthly Expenses – No Credit Needed Notebook Pg 2

Create A List Of Creditors Worksheet

Here’s a sneak peak at a resource I’ve been working on for the past few months.

Resource Origins: In April of 2005, I decided to get out of debt. I created this blog, No Credit Needed, so that I could track my progress. Ten months later, I was debt-free. I’ve been blogging about debt reduction, debt repayment, saving money, personal finance, investing, and retirement ever since. But, I want a quality, free resource that I can put in someone’s hands and say, “Here you go. This is free, it can help you get out of debt, and you can modify it to suit your specific needs.”

Resource Goals: I want you to download, use, and modify this resource. As you use it or modify it, all I ask is that you leave comments on my site, so that we can share ideas for improving the resource. I’m releasing this resource under a Creative Commons license, so you can modify it to your hearts desire, as long as you allow others to modify your work and as long as you attribute the original work to me, NCN.

Today, I’m going to release an extremely basic preview of page 1. When the time comes for an official release of the resource (or several resource pages), I’ll also record an episode of the No Credit Needed Podcast, explain the release.

Without going into any further details, here’s the first page of the No Credit Needed Notebook:

(Quick Summary Of Current Debt Situation)

NCN Notebook PDF Page 1

Also available in the following formats:

(All formats allow for printing and/or editing)

Open Office Writer Document

Open Office Calc Spreadsheet

Microsoft Word Document

Microsoft Excel Spreadsheet

Finally, click here to see an image of the first page:

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As you can see, the No Credit Needed Notebook is designed to help users begin-at-the-beginning. I’ll be adding pages and updates over the course of the next few weeks. Subscribe to No Credit Needed and be assured that you won’t miss a single update. As I update the Notebook, I encourage you to leave comments and suggestions.

Added November 02, 2007 – Click here for page 2 of the NCN Notebook!

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Introducing The No Credit Needed Notebook