Dear Visitor, I'd like to take this opportunity to say "Thanks very much!" for visiting It's Your Money! and for downloading this financial spreadsheet. (Feel free to try out all my others, too!) I truly hope that the spreadsheets and tools I've made available there help you as much as they've helped me. I’m going to go out on a limb here. I'll guess that since you've downloaded and opened this spreadsheet, that little voice inside your head is urging you to take action (somehow!) to improve your financial situation. I know all about that voice. I spent way too many years ignoring it! That said, I am being entirely honest when I say that the single most effective thing I ever did for my family's finances was to start planning our spending on a monthly basis. You can call it "budgeting" if you want, but "budgeting" doesn't sound the least bit fun. And if you play your cards right, and let spreadsheets help you, you can actually make your "budgeting" fun. That's where the "You Need A Budget" spreadsheet comes in. I've seen a lot of budgeting spreadsheets over the years, and this one beats 'em all. Handily. (Personally, I couldn't build anything nearly so cool.) I mention this only because I know the power of a good spending plan ("budget"), and "You Need a Budget" is about as good as it gets. If you'd like to know more, just click the YNAB icon below to read my review. Once more, thanks very much for stopping by! Michael @It's Your Money!DebtTracker Spreadsheet For the very latest instructions, tutorials, and FAQs relating to my DebtTracker spreadsheet, head to: Also, if you feel the DebtTracker spreadsheet is worthy of a small donation, you can do so (via Paypal) on that same page. I hope that the DebtTracker aids you greatly in your quest for debt freedom! Regards, DebtTracker Spreadsheet Details Page(via Paypal) onAnnual Monthly 1 Credit Card Amount Average 2 Mortgage Gross (Pre-tax) $60,000 $5,000 3 Auto /Vehicle Loan Net (After Tax) $35,000 $2,916 4 Student Loan 5 HELOC 6789 10 11 12 13 14 15 DEBT TYPES HOUSEHOLD INCOMEThis page is simply a convenient place to store account-related information for any banks, utilities, or other businesses. Name Institution Address Phone Contact Account # Citibank Visa Citibank Attn. Payments Dept. 800-444-5555 Stan Stanson 1234-5678-9012-3456 1111 NW 32nd St. New York, NY 10010-1202 Electric Service Texas Gas 1301 N. 158th Place 555-8787 38-98345622 & Electric Waco, TX 71234-5678 Main Bank First Nat'l 82 N. Spencer Terrace 555-8989 Checking: 123456-001 Account Bank of Ft. Worth, TX 71237-1234 Fax 555-9090 Savings: 123456-000 Ft. Worth 17 18 19 20 13 14 15 16 9 10 11 12 5678123437 38 39 40 33 34 35 36 29 30 31 32 25 26 27 28 21 22 23 24 2043 44 45 41 42Payment Avg. Payment Client Name Amount Owed Arguments Due Date Amount Notes 1,780.00 $ 10/10/2007 105.00 $ -$ 15th 110.00 $ -$ SORT BY: TYPE SORT FROM: Lowest to Highest INITIAL or DEBT NAME TYPE RATE LIMIT HIGH BALANCE CURRENT BALANCE Bob's Boats Auto /Vehicle Loan 14.8% 9,000.00 $ 7,000.00 $ GMAC Auto /Vehicle Loan 9.9% 20,000.00 $ 14,000.00 $ Visa 2 Credit Card 17.0% 1,350.00 $ 1,000.00 $ 900.00 $ Mastercard Credit Card 15.9% 5,000.00 $ 4,000.00 $ 3,000.00 $ Mastercard 2 Credit Card 10.8% 5,000.00 $ 4,980.00 $ 3,700.00 $ Roger's Antiques Credit Card 19.9% 300.00 $ 200.00 $ 100.00 $ 11,650 $ 39,180.00 $ 28,700.00 $ GO!APPROXIMATE APPROXIMATE MONTHS 'TIL MIN. PAYMENT UPDATED INTEREST/MONTH PAYOFF % LIMIT USED 400.00 $ 23-Sep-06 86.33 $ 20 475.00 $ 23-Sep-06 115.50 $ 34 30.00 $ 23-Sep-06 12.75 $ 39 66.7% 53.00 $ 23-Sep-06 39.75 $ 105 60.0% 37.00 $ 23-Sep-06 33.30 $ 257 74.0% 25.00 $ 23-Sep-06 1.66 $ 4 33.3% 1,020 $ 289.29 $ Lowest to Highest Highest to LowestBALANCE AS % CURRENT PRINCIPAL PAID OF TOTAL NONTYYP OF DEBT BALANCE TO DATE MORTGAGE DEBT 1 Credit Card 7,700.00 $ 2,480.00 $ 26.8% 2 Mortgage -$ -$ n/a 3 Auto /Vehicle Loan 21,000.00 $ 8,000.00 $ 73.2% 4 Student Loan -$ -$ 5 HELOC -$ -$ 6789 10 11 12 13 14 15 Total Debt (excl. mortgage) 28,700.00 $ Total Debt (incl. mortgage) 28,700.00 $ ANNUAL INCOME, ANNUAL INCOME, GROSS NET 0.48 0.82 n/a n/a 66.1% Debt-to-Income Ratio (excl. mortgage) Monthly Housing Ratio Credit Card Utilization RatioTOTAL MONTHLY PAYMENTS 145 $ 875 $ 1,020 $ 1,020 $ MONTHLY MONTHLY INCOME, INCOME, GROSS NET 0.20 0.35 n/a n/aDebt Name: Date Balance 01/28/06 10,000.00 $ 02/28/06 8,000.00 $ 03/28/06 7,125.00 $ 04/28/06 7,010.00 $ 05/28/06 4,900.00 $ FirstBank Visa Debt Paydown $-$2,000.00 $4,000.00 $6,000.00 $8,000.00 $10,000.00 $12,000.00 1/06 2/06 3/06 Input new dates and balances as your paydown progresses.Debt Paydown 3/06 4/06 5/06 BalanceDebt Name: Date Balance [Insert Debt Name Here] Debt Paydown $-$0.20 $0.40 $0.60 $0.80 $1.00 $1.20 Input new dates and balances as your paydown progresses.Debt Paydown BalanceDebt Name: Date Balance [Insert Debt Name Here] Debt Paydown $-$0.20 $0.40 $0.60 $0.80 $1.00 $1.20 Input new dates and balances as your paydown progresses.Debt Paydown Balance