"Would You Like To Have A
Complete Picture Of Your
Finances And Your Future In
About 30 Minutes From Right Now?"

The most complicated aspect of managing your money is to make all of those bills fit your paycheck.

Since you are visiting this page, I'm sure you know exactly what I'm talking about. If you set it up one way then some of the bills will be paid late. If you set it up another way you don't have enough money to cover your bills. Does this sound familiar?

It doesn't have to be that way. All you need is a sure fire way to get those numbers organized to make the process simple and easy to understand.

There's no better way to setup a workable budget than to know what you spend. This form makes it extremely easy to track your daily spending and calculates it daily, weekly and monthly.



Budget Worksheet - In order to understand just how much you spend you need to get everything down on paper. This is no easy task. With this calculating Budget Worksheet you simply enter your spending information into the form and each category is calculated as you go.

Budget Form - When you have your Calculating Budget Worksheet completed you can easily transfer that information to this helpful Budget Form that is completely customizable to list your bills the way you want them.

When you enter your figures in the left column, the first table in the right column automatically calculates your income minus your expenses to show you what you have left for savings. The second table shows you how much of your income you should be spending on each category. The third table tells you, by percentage, what you are actually spending in these categories. The fourth table helps you know how you need to distribute your paycheck to make sure everything is covered.

Budget Ledger - Here is a real handy form that helps you keep track of what bills you need to pay each month, who you have already paid and what bills need to be paid for the month. This form covers a three (3) month period so you won't need to make up a new one each month.

With the Calculating Budget Ledger you enter your bills once, save it to your computer, and you will have this information available to use over and over again. It has spaces to enter the name of the bill, the date the bill is due and your normal payment. Then each payday you simply enter the date you paid the bill and how much you paid. The form will calculate how much you have paid each month on bills. It also calculates what you have paid on each bill for the three months plus the total you have paid on all bills.

Monthly Bill Summary - The Monthly Bill Summary is designed to help you eliminate the chance of paying your bills late and incurring extra charges. You simply enter your bill information, save it to your computer. Then on payday you enter the date paid and the check number. You will know at a glance what you have paid and what still needs to be paid.

Monthly Bill Summary Part 2 - Part 2 of the Monthly Bill Summary is an important form that allows you to schedule an equal amount of money to pay toward your bills each payday. This helps your organize your bills and provides you with the money you need to run your household.

Check Register and Reconciliation Form - There aren't too many tasks that involve money that can add up charges faster than a disorganized checking account. With this form you can enter the exact same information as you would on a printed check register. It even has a special form where you can reconcile your checking account when you receive your bank statement. And it calculates the numbers for you. Simplify Your Budget Tasks

I want you to visualize sitting down with your bills and entering each one of them in an easy to use calculating form. You simply type the info in and all of the calculations are done automatically. You don't even have to hit "Calculate"!

These forms not only add, subtract, multiply and divide, they also tell you how your finances stand up against what the optimum percentages are for each Budget Category. You will be able to see at a glance any problem areas and have all the information you need to correct it.

You will be amazed like thousands of others at how incredibly easy your budget will be to set up and realize that it is only going to take a few minutes on payday to keep it up. It doesn't get any easier than that.

Credit Card Debt Calculating Forms (Click on the picture to view a Larger Image)

Credit Card Pay Down Schedule - This is one of the most valuable tools you can have if you have credit cards. When you enter your credit card name, balance and interest rate you can easily find out how much of your payment is going toward interest and principal and your new balance. You can enter different payment amounts to see how fast paying a little more will make the balance go down.

That is just the beginning. You can play with the form by entering different interest rates and payments to see how much difference they could make in your debt repayment or by getting another card with lower interest. You can even enter the month, up to 12, to track each credit card.

Credit Card Tracking Sheet - Here is where you can track what you owe on all of your credit cards combined. You simply take your statements each month, enter the name of the card, your beginning balance and how much you paid in interest and principal. The form will automatically calculate your new balance. When you have entered all of your cards you will be able to see if your credit card debt is actually going down.

Why just use this for Credit Cards? You don't have to. You can enter your mortgage, installment loans or any other debt you have and it will calculate all of it.

Credit Card vs Low Interest Loan Comparison - With loan interest rates at an all time low it is probably a good idea to at least consider consolidating your credit cards with a single low interest loan. But will you really save that much? With this calculating form you can enter your credit card interest rate and the interest rate you expect to get from a loan and it will calculate your savings instantly.

Debt Reduction Table - Would you like to do what the big debt reduction companies do. With this form you will be able to enter your information on all of your credit cards and watch as your debt is eliminated. You will easily see how paying a little more can make this happen even quicker.

Put Paying Off Your Debts On The Fast Track

If there is anything that we all want it's to be Debt Free and to have our hard earned paychecks mean something again. When you use the Credit Card Debt Calculating Forms you can put your debt elimination into high gear.

Just one example of what these forms can do is comparing what your credit cards are costing you with what you would pay with a low interest loan. Let's make a simple comparison:

Using the chart below let's compare a credit card with a $20,000 balance and a 20% interest rate to a Regular Loan at 6% interest rate for just the First Year

1,1	Credit Card @ 20% APR	Loan @ 6% APR	Savings 1st Year
Payment	$400	$400	4,2
Interest charged in 1 year	$3920	$1098	4,3
Principle applied in 1 year	$880	$3702	4,4
Ending Balance after 1 year	$19,120	$16,298	$2822

By making this one adjustment to your finances you would have saved $2822 in just the first year alone making exactly the same monthly payment. Just that one move could easily cut the time it would take to pay off your debt in half or better.

By the way, I used the Credit Card vs Low Interest Loan Comparison Calculating Form to compare these in just about 30 seconds!

These Forms Are Delivered In Two Formats!

Your calculating forms will be delivered to you in Excel format, which is the standard spreadsheets program. However, if you do not have Excel, I also make them available in Microsoft Works which is available on most computers.

You Get Complete Support and A 30 Day, No Questions Asked, Money Back Guarantee!

After you have placed your order you will have my email address to contact me with any questions you may have about your calculating forms. I respond to all email within just a few hours.

My Guarantee is simple. If, for any reason (or for no reason at all), you are not completely satisfied with your Calculating Forms, I will refund your entire purchase price within 30 days of purchase, No Questions Asked.

Ordering Budget Stretcher's Budget and Credit Card Calculating Forms is Easy and Safe Using My Secure Server.

You will get instant access to the Budget and Credit Card Calculating Forms and be ready to set them up in about thirty minutes from right now.


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Your Price Today: $14.95 11 Calculating Forms

I am dedicated to your financial success. My Calculating Forms will help you make that a reality.

To Your Success!


Terry Rigg (AKA Grandpa Terry)
Author
The Complete Budget and Bill Organizer

P.S. I can personally tell you that it's really nice to logon on to your computer, click on a folder and have your entire finances at your fingertips. I've been doing that myself for years.