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.Â This page is very useful when setting up a debt reduction plan.Â Click to read more about how to use this page.
Use this page to create a list of and analyze monthly expenses.Â This page is useful when setting up your initial budget and it is a great brainstorming resource.Â Click to read more about how to use this page.
List of Creditors and Monthly Expenses – Pages 1 and 2 – Open Office Version
List of Creditors and Monthly Expenses – Pages 1 and 2 – Microsoft Word 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.Â This page is very useful, especially if you need to create a list of accounts for your spouse.Â Click to read more about how to use this spreadsheet.
Inventory of Financial Accounts – Page 3 – OpenOffice Version
Inventory of Financial Accounts – Microsoft Office Version
Printable Grocery Store Price Book – Page 4
Use this page to create your grocery store price book.Â This page is useful if you want to track the prices of items that you regularly purchase at the grocery store.Â 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.Â This page is useful for determining when to send your additional credit card payments and how timing your payments can save you money.Â Click to read more about how to use this spreadsheet.
Average Daily Balance Spreadsheet Calculator – Page 5 – OpenOffice Version
Average Daily Balance Spreadsheet Calculator – Page 5 – Microsoft Office Version
Feel free to download these spreadsheets for personal use.Â The above mentioned spreadsheets are provided for free, and do not constitute financial advice.
5 thoughts on “The No Credit Needed Notebook”
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.
Thanks for these, I’m an OpenOffice user as well, I will be giving these a shot!
Thanks–great resources and a great website!
nice stuff. thanks for putting together.
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.]
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