Financial Management Using Excel Spreadsheet


Personal Monthly Budget and Personal Budget Spreadsheets


The personal monthly budget spreadsheet helps you track your income and your expenses. This helps you understand what you are actually saving every month and quickly identify areas where you may be overspending.

The personal budget spreadsheet on the other hand will allow you to plan for an entire year. If you are anticipating any major changes like purchasing a home, changing jobs, or if you are moving, you may need to make financial plans many months before. This spreadsheet will allow you to make a realistic assessment of what your financial status may be in the future.

Household Monthly Budget and Household Budget Spreadsheets

With a family, the number and nature of expenses changes. You may have to budget for children’s expenses, pets, vacations as also make more long-term planning. The above spreadsheets will help you set goals for yourself, note down your income and expenses, and understand whether you are achieving the financial goals you had set for yourself.

Debt Reduction Calculator

This spreadsheet will help you eliminate various kinds of debt more systematically. You can use it to eliminate credit card debt, auto loans or student loans. In the first worksheet, you will be asked to enter details of the various loans you have to repay, choose the amount you are able to repay every month and then see a comprehensive summary of the results. You can analyze the best way monthly credit card payment plan for you.

Free financial spreadsheets can save you a lot of money and time.In the next worksheet, you will be provided with a detailed payment schedule that you can take a printout of and keep it for ready reference. By using this payment schedule to make payments and to keep track of your progress, you will manage to pay off your debts in a more disciplined manner.

Loan Amortization Schedule

You will be able to keep track of when and what payments you need to make towards your home mortgage by using the loan amortization schedule. You will need to enter some basic details like loan amount, the period of loan, the interest rate, date of first payment and how often the payments have to be made. You can use the spreadsheet to keep track of all the payments made so far and know at any point of time what the outstanding amount is. Further, you will also be able to calculate what kind of effect making additional payments will have on the interest to be paid and how quickly you will be able to pay off the loan.

Retirement Spreadsheets

These retirement spreadsheets allow you to calculate the amount needed to retire in comfort and also what you will need to save if you are planning on an early retirement.

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This guest post was written by Hadar Kadar. Hadar works for Cogniview, the _PDF to excel converter people_ [

Taxmann Publications Pvt Ltd Financial Management Using Excel Spreadsheet
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Need to pick a concentration for business major

2005-01-30 21:53:39 by wat_to_do

I know im suppose to do what i like, but say hypothetically, i like all aspects of business and i have the following choices for my concentration.
what brings in the most money??
Courses in one of the following areas of concentration: accounting, corporate finance, decision sciences, entrepreneurial/small business management, financial services, human resource management, international business, management and marketing, or electronic commerce systems and information systems.

US regains top competitive world economy slot

2013-05-30 11:22:10 by tallguy36

The United States has regained the top spot in a global economic competitiveness ranking thanks to a rebound of its financial sector, abundant technological innovation and successful companies.
In its annual ranking, released Thursday by the Swiss-based Institute for Management Development (IMD), the United States jumped back from the number two slot in which it found itself in 2012.
Last year's frontrunner, Hong Kong, meanwhile fell to third place in the 2013 ranking, while Switzerland moved up to second from third.


2009-04-08 20:37:51 by acetylcholine

Obama revokes Declaration of [email protected]
At the G20 meeting in London, President Obama agreed to create of an international board with authority to intervene in U.S. corporations by dictating executive compensation and approving or disapproving business management decisions, Jerome Corsi's Red Alert reports.
Political consultant Dick Morris said that by agreeing to create the Financial Stability Board, Obama is a "willing accomplice" to a decision that effectively repealed the U.S. Declaration of Independence and abrogated the sovereignty of the United States

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Report says Co-op and Britannia merger “badly let down” members  — StaffsLive
Other problems highlighted include executives failing to exercise sufficient care and management of financial risk. As a shareholder, the group board failed on its responsibilities, says the report.

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