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…
Month: February 2009
Diagramming The Flow Of Money
For the visual-learners in the audience, I have diagrammed the flow of my money. Regular income is deposited into my primary checking account. Scheduled monthly payments are made, and allocations for non-monthly scheduled payments are then deposited in my online savings account. Irregular income, such as it is, is deposited into my primary checking account, and used, if needed, for…
How We Changed Our Family’s Financial Future
My wife and I have been debt free for more than three years. Here’s how we turned our lives around and changed our family’s financial future. We began to spend less than we earned. Brilliant, no? It sounds so simple, but the reality is, many Americans spend more each month than they earn. We put our credit cards in our…