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Post by dawn on Oct 2, 2024 15:13:39 GMT
You helped me so much when we were arch enemies… and I was wondering if I could afford to finance something.
You sent me an Excel type email with the format and at the time I had Internet service so I could download and use it.
After I decided to never go into debt again, I paid off all of my debt, I deleted all of the Excel files for my creditors.
So now on my sad little laptop, I have no Internet service.
And I went ahead and got myself into debt again.
Is there a way that you can tell me the formulas for each line in the Excel information?
I’m going to turn my laptop on right now. It takes about 10 minutes to turn on because it’s so old.
Oof 😅 priorities 🤪
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Post by dawn on Oct 2, 2024 15:18:12 GMT
Well, I am waiting for my laptop to turn on. I decided to say.
Being in debt is the American Way.
(hey, that rhymes)
It is so normal to be in debt and all of this money for either student loans or car loans or mortgage payments.
I had everything paid off… And then my credit score started to drop.
And that’s the American lie. You don’t need a credit score if you pay for everything in cash.
And then the seductress of a car tempted me and she won me over 😐🤣
Her siren powers convinced me to go into debt again for the first time in years.
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Post by dawn on Oct 2, 2024 15:24:20 GMT
So~
From what I managed to salvage
D1 - principal
D2 - interest rate
D3 - term
D4 - payment
B6 to F6
Period Principal interest payment balance
I think I’m having trouble with E4 or maybe not. It’s like I basically canceled out everything underneath what I’ve already told you I have.
Or can I just start adding numbers under the column? Is this even making sense? I’m having new purchase anxiety stress, lol.
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Post by egulch2 on Oct 2, 2024 18:12:49 GMT
Hi Dawn,
I'll send you an amortization schedule in awhile. My new laptop does not have Excel, so I will have to fire up my old computer. I hate Apple's spreadsheet program. After working in the finance industry for so many years, I can't do anything with the Apple program.
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Post by dawn on Oct 3, 2024 10:38:41 GMT
I don’t want you to have to go through a bunch of trouble to find it.
Now that I know what it’s called I can look it up.
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Post by figlet on Oct 3, 2024 11:23:02 GMT
In Australia recently the Govt gave money to those eligible with student loans to clear their balance because the Consumer Price Index was too high due to inflation..anyway eldest daughter - the remainder of hers was paid off.
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Post by dawn on Oct 3, 2024 14:20:11 GMT
Yay!
I did a deep dive search on my hard drive from my dying laptop, and found the Excel file!!
🎉
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Post by dawn on Oct 3, 2024 14:31:13 GMT
Btw Susan,
You are the best free accountant I’ve ever had so sticky should shove it in his
Did you see the excerpts from Melania‘s new book? They haven’t been verified yet.
If it’s true, sticky is going to have a cow that Melania is OK with the liberal movement of female rights.
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Post by egulch2 on Oct 3, 2024 14:43:04 GMT
I'm glad you found the excel file. I babysat my grandkids last night and then forgot all about it when I got home. I'm always happy to help with accounting questions, even though Sticky thinks I don't know .. anything.
I hadn't read any excerpts from Melania's book. It's funny if her position is different from her husband's. That will piss a lot of people off. Can you imagine how quickly they will turn on her if she divorces the bastard?
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