Μοντέλο Excel: Υπολογιστής Μείωσης Χρέους

Τίτλος: Debt Reduction Calculator

 Περιγραφή:

 

This spreadsheet helps users manage and reduce their credit card debt by providing a structured way to record debt information and track payments. It includes sections for entering creditor details, calculating monthly payments, and summarizing debt reduction progress.

 

  • Creditor Information: Enter details about each creditor, including balance, interest rate, and monthly payment.
  • Payment Schedule: Record monthly payments and track the balance reduction over time.
  • Debt Reduction Summary: Provides an overview of total debt, average interest rate, and total monthly payments.

 

Συμβουλές/Συμβουλές:
  • Creditor Information:
    • Ensure all creditor details are accurately entered before proceeding with calculations.
    • Regularly update the creditor information to reflect current balances and interest rates.

  • Payment Schedule:
    • Record each payment accurately to track progress effectively.
    • Use the payment schedule to plan and prioritize debt payments.

  • Debt Reduction Summary:
    • Monitor the summary to understand the overall debt reduction progress.
    • Use the summary to make informed decisions about additional payments or changes to the repayment strategy.

Πηγή: Προσαρμοσμένη Αριθμομηχανή

Κάντε κλικ στο παρακάτω εικονίδιο για να ανοίξετε το πλήρες πρόγραμμα προβολής βιβλίου εργασίας σε μια νέα καρτέλα, επιτρέποντάς σας να επεξεργάζεστε και να αποθηκεύετε εύκολα.

Κάντε κλικ στο παρακάτω εικονίδιο για να κάνετε λήψη του υπολογιστικού φύλλου, επιτρέποντάς σας να αποθηκεύσετε το αρχείο στον υπολογιστή σας μαζί με τροποποιήσεις.

Παράδειγμα χρήσης αριθμομηχανής:

Λεπτομερές παράδειγμα χρήσης υπολογιστικού φύλλου: Εργασίες που πρέπει να ολοκληρώσει ο χρήστης:

  1. Creditor Information Section:
    • Enter details for each creditor, including balance, interest rate, and monthly payment.
      • Παραδείγματα τιμών:
        • Card 1: Balance – $5,000, Interest Rate – 12.00%, Monthly Payment – $150.
        • Card 2: Balance – $3,432, Interest Rate – 5.00%, Monthly Payment – $45.

  2. Payment Schedule:
    • Record monthly payments and track the balance reduction.
      • Παραδείγματα τιμών:
        • Card 1: March 2026, Payment – $150, Balance – $4,850.
        • Card 2: February 2025, Payment – $45, Balance – $3,387.

  3. Debt Reduction Summary:
    • Review the summary of total debt, average interest rate, and total monthly payments.
      • Παραδείγματα τιμών:
        • Total Debt: $19,761
        • Average Interest Rate: 8.19%
        • Total Monthly Payments: $329

Γιατί είναι χρήσιμη η διαδραστική αριθμομηχανή:

This spreadsheet consolidates all information related to credit card debt in one place, making it easier to monitor and manage debt reduction. By providing a clear view of creditor details, payment schedules, and progress summaries, it helps users make informed decisions to achieve financial stability.

 

Πηγή: Προσαρμοσμένο υπολογιστικό φύλλο

Συμπέρασμα:

The Debt Reduction Calculator is an invaluable tool for managing and reducing credit card debt. By providing a detailed and organized approach to recording and analyzing debt information, it helps users achieve financial stability and make informed decisions about their debt repayment strategy. Regular updates and reviews ensure that the repayment strategy remains aligned with changing financial conditions and goals.

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