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["Rastreador de pago de deuda"]
["Siga los pasos a continuación y complete los espacios en blanco"]
[]
["\nMes actual:"]
["2016-05-01"]
[]
["Paso 1: Determine su presupuesto mensual disponible para pagar deudas."]
[0,"(Incluya pagos mínimos más pagos adicionales * Bola de nieve)"]
[]
["Paso 2: Ingrese la información de su deuda y pago."]
[]
["\nLibre para otorgar categorías de deuda",null,"Tarjetas de crédito",null,null,null,null,null,"Préstamos para automóviles",null,null,null,null,"Préstamos y facturas médicas",null,null,null,null,null,"Hipotecas",null,null,"\nTotales de deuda y pago"]
[null,null,"Tarjeta 1","Tarjeta2","Tarjeta 3","Tarjeta 4","Tarjeta 5","TOTALES","Carro 1","Carro 2","Carro 3","Carro 4","TOTALES","Préstamo 1","Préstamo 2","Préstamo 3","Préstamo 4","Préstamo 5","TOTALES","Hipoteca 1","Hipoteca 2","TOTALES"]
["\nTipo específico de deuda"]
["\nFecha de inicio del seguimiento"]
["\nTasa de interés annual",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}]
["Saldo inicial este mes",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},{"$f":"+H17+M17+S17+V17","v":0},"\nDeuda total"]
["\nPagos mínimos adeudados",null,null,null,null,null,null,{"$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},"Pagos mínimos totales"]
["Pagos adicionales * Bola de nieve",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,{"$f":"+H19+M19+S19+V19","v":0},"Pagos totales de bola de nieve"]
["PAGOS TOTALES",null,{"$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},"Pagos totales de la deuda"]
[]
["Paso 3: Elija dónde aplicar sus pagos restantes *Bola de nieve totalizado:",null,null,null,null,null,null,{"$f":"IF(W20=A8,\"\nTodos los pagos asignados\", A8-W20)","v":"\nTodos los pagos asignados"}]
[null,null,null,null,null,null,null,{"$f":"IF(H22<0,\"Your payments are higher than your budget\",\"\")","v":""}]
[null,null,null,null,null,null,null,"Tarjetas de crédito",null,null,null,null,"Préstamos para automóviles",null,null,null,null,null,"Préstamos y facturas médicas",null,null,"Hipotecas"]
["Si continúa haciendo estos mismos pagos, ",null,null,null,null,null,null,{"$f":"IF(+H18+H19=0,\"\",+H17/((+H19+H18)-(+H17*H16/12)))","v":""},"le quedan unos meses",null,null,"sobre",{"$f":"IF(+M18+M19=0,\"\",+M17/((+M19+M18)-(+M17*M16/12)))","v":""},"le quedan unos meses",null,null,null,"sobre",{"$f":"IF(+S18+S19=0,\"\",+S17/((+S19+S18)-(+S17*S16/12)))","v":""},"le quedan unos meses","sobre",{"$f":"IF(+V18+V19=0,\"\",+V17/((+V19+V18)-(+V17*V16/12)))","v":""},"le quedan unos meses"]
[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,0,{"$f":"IF(H25=\"\",\"\",INT(H26) & \" yrs & \" & INT((H26-INT(H26))*12) & \" months\")","v":""},null,null,null,"o",{"$f":"IF(M25=\"\",\"\",INT(M26) & \" yrs & \" & INT((M26-INT(M26))*12) & \" months\")","v":""},null,null,null,null,0,{"$f":"IF(S25=\"\",\"\",INT(S26) & \" yrs & \" & INT((S26-INT(S26))*12) & \" months\")","v":""},null,"o",{"$f":"IF(V25=\"\",\"\",INT(V26) & \" yrs & \" & INT((V26-INT(V26))*12) & \" months\")","v":""}]
[]
[null,null,null,null,null,null,null,"Objetivo libre de deuda"]
["Si continúa haciendo pagos adicionales a sus deudas restantes mediante el uso de la estrategia bola de nieve, podría quedar completamente libre de deudas en unos meses.",null,null,null,null,null,null,{"$f":"IF(+W18+W19=0,\"\",+W17/(((+H19+H18)-((+H17)*(H16)/12))+((+M19+M18)-((M17)*(M16)/12))+((S19+S18)-((S17)*(S16)/12))+((+V19+V18)-(+(V17)*(V16)/12))))","v":""}]
[null,null,null,null,null,null,null,{"$f":"H30/12","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,"o",{"$f":"IF(H30=\"\",\"\",INT(H31) & \" yrs & \" & INT((H31-INT(H31))*12) & \" months\")","v":""}]
[]
["\nPaso 4: ¡Controle su progreso!"]
["\nIngrese su Deuda Total cuando inició el Programa Free to Give."]
[0]
[]
["¡Esta es la deuda total que pagó desde que se inscribió en Free to Give!"]
[{"$f":"+A36-W17+W20","v":0}]
[]
["Paso 5: Repita el próximo mes y continúe pagando la deuda. Para mantener un registro de su progreso, guárdelo en sus archivos o imprima una copia de su rastreador cada mes."]
[]
[null,"* Estrategia de bola de nieve: pague primero el saldo más bajo o la deuda con la tasa de interés más alta aplicando un pago adicional a una deuda. Una vez pagada esta deuda, aplique la misma cantidad total de pagos mensuales a otra deuda."]
[null,"Para obtener más información sobre la estrategia bola de nieve y otras herramientas útiles para pagar deudas, lo invitamos a leer Las 4 leyes de la prosperidad financiera por Blaine Harris y Charles Coonradt."]