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["Debt Payment Tracker"]
["Follow the steps below and fill out the white cells"]
[]
["Current Month:"]
["2016-05-01"]
[]
["Step 1: Determine your monthly budget available for paying off debts."]
[0," (Include minimum payments plus extra *Snowball payments)"]
[]
["Step 2: Enter your debt and payment information."]
[]
["Free to Give Debt Categories",null,"Credit Cards",null,null,null,null,null,"Car Loans",null,null,null,null,"Loans & Medical Bills",null,null,null,null,null,"Mortgages",null,null,"Debt & Payment Totals"]
[null,null,"Card 1","Card 2","Card 3","Card 4","Card 5","TOTALS","Car 1","Car 2","Car 3","Car 4","TOTALS","Loan 1","Loan 2","Loan 3","Loan 4","Loan 5","TOTALS","Mortgage 1","Mortgage 2","TOTALS"]
["Specific Type of Debt"]
["Tracking Start Date"]
["Annual Interest Rate",null,null,null,null,null,null,{"$f":"IF(H17=0,0,((+C17*C16)+(D17*D16)+(E17*E16)+(F17*F16)+(G17*G16))/H17+0.00001)","v":0},null,null,null,null,{"$f":"IF(M17=0,0,((I17*I16)+(J17*J16)+(K17*K16)+(L17*L16))/M17+0.00001)","v":0},null,null,null,null,null,{"$f":"IF(S17=0,0,((+N17*N16)+(O17*O16)+(P17*P16)+(Q17*Q16)+(R17*R16))/S17+0.00001)","v":0},null,null,{"$f":"IF(V17=0,0,((T17*T16)+(U17*U16))/V17+0.00001)","v":0}]
["Starting Balance This Month",null,null,null,null,null,null,{"$f":"SUM(C17:G17)","v":0},null,null,null,null,{"$f":"SUM(I17:L17)","v":0},null,null,null,null,null,{"$f":"SUM(N17:R17)","v":0},null,null,{"$f":"SUM(T17:U17)","v":0},{"$f":"+H17+M17+S17+V17","v":0},"Total Debt"]
["Minimum Payments Due",null,null,null,null,null,null,{"$f":"SUM(C18:G18)","v":0},null,null,null,null,{"$f":"SUM(I18:L18)","v":0},null,null,null,null,null,{"$f":"SUM(N18:R18)","v":0},null,null,{"$f":"SUM(T18:U18)","v":0},{"$f":"+H18+M18+S18+V18","v":0},"Total Minimum Payments"]
["Extra *Snowball Payments",null,null,null,null,null,null,{"$f":"SUM(C19:G19)","v":0},null,null,null,null,{"$f":"SUM(I19:L19)","v":0},null,null,null,null,null,0,null,null,0,{"$f":"+H19+M19+S19+V19","v":0},"Total Snowball Payments"]
["TOTAL PAYMENTS",null,{"$f":"C18+C19","v":0},{"$f":"D18+D19","v":0},{"$f":"E18+E19","v":0},{"$f":"F18+F19","v":0},{"$f":"G18+G19","v":0},{"$f":"SUM(C20:G20)","v":0},{"$f":"I18+I19","v":0},{"$f":"J18+J19","v":0},{"$f":"K18+K19","v":0},{"$f":"L18+L19","v":0},{"$f":"SUM(I20:L20)","v":0},{"$f":"N18+N19","v":0},{"$f":"O18+O19","v":0},{"$f":"P18+P19","v":0},{"$f":"Q18+Q19","v":0},{"$f":"R18+R19","v":0},{"$f":"SUM(N20:R20)","v":0},{"$f":"T18+T19","v":0},{"$f":"U18+U19","v":0},{"$f":"SUM(T20:U20)","v":0},{"$f":"+H20+M20+S20+V20","v":0},"Total Debt Payments"]
[]
["Step 3: Choose where to apply your remaining *Snowball payments totaling:",null,null,null,null,null,null,{"$f":"IF(W20=A8,\"All payments allocated\", A8-W20)","v":"All payments allocated"}]
[null,null,null,null,null,null,null,{"$f":"IF(H22<0,\"Your payments are higher than your budget\",\"\")","v":""}]
[null,null,null,null,null,null,null,"Credit Cards",null,null,null,null,"Car Loans",null,null,null,null,null,"Loans & Medical Bills",null,null,"Mortgages"]
["If you continue to make these same payments, you have about ",null,null,null,null,null,null,{"$f":"IF(+H18+H19=0,\"\",+H17/((+H19+H18)-(+H17*H16/12)))","v":""},"months to go",null,null,"about ",{"$f":"IF(+M18+M19=0,\"\",+M17/((+M19+M18)-(+M17*M16/12)))","v":""},"months to go",null,null,null,"about ",{"$f":"IF(+S18+S19=0,\"\",+S17/((+S19+S18)-(+S17*S16/12)))","v":""},"months to go","about ",{"$f":"IF(+V18+V19=0,\"\",+V17/((+V19+V18)-(+V17*V16/12)))","v":""},"months to go"]
[null,null,null,null,null,null,null,{"$f":"H25/12","v":{"$error":"#VALUE!"}},null,null,null,null,{"$f":"M25/12","v":{"$error":"#VALUE!"}},null,null,null,null,null,{"$f":"S25/12","v":{"$error":"#VALUE!"}},null,null,{"$f":"V25/12","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,"or ",{"$f":"IF(H25=\"\",\"\",INT(H26) & \" yrs & \" & INT((H26-INT(H26))*12) & \" months\")","v":""},null,null,null,"or ",{"$f":"IF(M25=\"\",\"\",INT(M26) & \" yrs & \" & INT((M26-INT(M26))*12) & \" months\")","v":""},null,null,null,null,"or ",{"$f":"IF(S25=\"\",\"\",INT(S26) & \" yrs & \" & INT((S26-INT(S26))*12) & \" months\")","v":""},null,"or ",{"$f":"IF(V25=\"\",\"\",INT(V26) & \" yrs & \" & INT((V26-INT(V26))*12) & \" months\")","v":""}]
[]
[null,null,null,null,null,null,null,"Debt Free Target"]
["If you continue to make extra payments to your remaining debts by using the Snowball strategy, you could be completely out of debt in about",null,null,null,null,null,null,{"$f":"IF(+W18+W19=0,\"\",+W17/(((+H19+H18)-((+H17)*(H16)/12))+((+M19+M18)-((M17)*(M16)/12))+((S19+S18)-((S17)*(S16)/12))+((+V19+V18)-(+(V17)*(V16)/12))))","v":""},"months!"]
[null,null,null,null,null,null,null,{"$f":"H30/12","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,"or ",{"$f":"IF(H30=\"\",\"\",INT(H31) & \" yrs & \" & INT((H31-INT(H31))*12) & \" months\")","v":""}]
[]
["Step 4: Track your progress!"]
["Enter your Total Debt when you started the Free to Give Program."]
[0]
[]
["This is the total debt you've paid since enrolling in Free to Give!"]
[{"$f":"+A36-W17+W20","v":0}]
[]
["Step 5: Repeat next month and continue paying down debt.  To keep a record of your progress, save this in your files or print a copy of your tracker each month."]
[]
[null,"*Snowball Strategy: Pay off the lowest balance or the highest interest rate debt first by applying an extra payment to one debt.  After this debt is paid off, apply the same total amount of monthly payments to another debt."]
[null,"For more information on the Snowball Strategy and other helpful tools to pay off debt, we invite you to read The 4 Laws of Financial Prosperity by Blaine Harris & Charles Coonradt."]