NewHomeICS17PadrJ

New Home spreadsheet


 * bed || Huey Vineyard Full Sleigh Bed || $300 || necessity ||
 * fridge || Amana - 25.4 Cu. Ft. Side-by-Side Refrigerator with Thru-the-Door Ice and Water - Stainless Steel || $891 || necessity ||
 * couch || Hodan Contemporary Fabric Cushion Back Sofa Chaise || $557 || luxury ||
 * stove || 73433 4.2 cu. ft. Freestanding Gas Range - Stainless Steel || 500 || necessity ||
 * microwave || LG - 1.1 Cu. Ft. Mid-Size Microwave - Stainless-Steel || 109.99 || luxury ||
 * chair || [=10952326&source=hotdeals|Kendra Tufted Arm Chair]] || 239.99 || luxury ||
 * tv || LG 65" Flat 4K OLED Smart TV w/ webOS 3.0 || 2795 || luxury ||
 * desk || Realspace® Magellan Performance Collection L Desk, 30"H x 70 9/10"W x 23 1/5"D, Espresso || 409.99 || luxury ||
 * desk chair || Merax High-Back Executive Chair || 136.99 || luxury ||
 * laptop || Apple MacBook Pro 13.3"Retina display 256GB w/Touch ID &Touch Bar || 800 || luxury ||
 * table || Casual Wood Cappuccino Oval Dining Table || 220.49 || luxury ||
 * coffe table || [|Emerald Home Chandler Cocktail Table] || 148.03 || luxury ||
 * silverware || Jovita 20 Piece Flatware Set - Threshold || 19.99 || necessity ||
 * ps4 pro || PlayStation 4 Pro 1TB Console || 399.99 || luxury ||
 * dresser || Laguna 6 Drawer Double Dresser, White Wood Grain, Box 1 of 2 || 83 || luxury ||
 * iron || Sunbeam AERO Ceramic Soleplate Iron with Dimpling and Channeling Technology, 1600W || 31.99 || necesity ||
 * ironing board || Heavy Duty Ironing Board – Threshold || 39.99 || necessity ||
 * shelf || South Shore Smart Basics 5-Shelf Bookcase, Multiple Finishes || 86.37 || luxury ||
 * clock || Better Homes and Gardens Atomic Clock with Forecast || 29.37 || luxury ||
 * rug || [|Safavieh Casual Natural Fiber Natural and Beige Border Seagrass Rug (5' x 8')] || 110.12 || luxury ||

Compund Intrest spreadsheet

My monthy payment was $372 and will pay it off in 3 years.
 * || APR=15% || Compound Intrest ||  ||
 * Principal || %/month || Amount Due || Payment ||
 * $10,000 || 1.25% || $10,125.00 || 372 ||
 * $9,753 || 1.25% || $9,875.18 || 372 ||
 * $9,503 || 1.25% || $9,622.23 || 372 ||
 * $9,250 || 1.25% || $9,366.12 || 372 ||
 * $8,994 || 1.25% || $9,106.81 || 372 ||
 * $8,735 || 1.25% || $8,844.26 || 372 ||
 * $8,473 || 1.25% || $8,578.42 || 372 ||
 * $8,207 || 1.25% || $8,309.27 || 372 ||
 * $7,938 || 1.25% || $8,036.75 || 372 ||
 * $7,665 || 1.25% || $7,760.82 || 372 ||
 * $7,389 || 1.25% || $7,481.44 || 372 ||
 * $7,110 || 1.25% || $7,198.57 || 372 ||
 * $6,827 || 1.25% || $6,912.17 || 372 ||
 * $6,540 || 1.25% || $6,622.19 || 372 ||
 * $6,250 || 1.25% || $6,328.58 || 372 ||
 * $5,957 || 1.25% || $6,031.30 || 372 ||
 * $5,660 || 1.25% || $5,730.30 || 372 ||
 * $5,359 || 1.25% || $5,425.54 || 372 ||
 * $5,054 || 1.25% || $5,116.98 || 372 ||
 * $4,745 || 1.25% || $4,804.55 || 372 ||
 * $4,433 || 1.25% || $4,488.22 || 372 ||
 * $4,116 || 1.25% || $4,167.94 || 372 ||
 * $3,796 || 1.25% || $3,843.65 || 372 ||
 * $3,472 || 1.25% || $3,515.31 || 372 ||
 * $3,144 || 1.25% || $3,182.86 || 372 ||
 * $2,811 || 1.25% || $2,846.26 || 372 ||
 * $2,475 || 1.25% || $2,505.45 || 372 ||
 * $2,134 || 1.25% || $2,160.38 || 372 ||
 * $1,789 || 1.25% || $1,811.00 || 372 ||
 * $1,439 || 1.25% || $1,457.25 || 372 ||
 * $1,086 || 1.25% || $1,099.08 || 372 ||
 * $727 || 1.25% || $736.43 || 372 ||
 * $365 || 1.25% || $369.25 || 372 ||
 * -$2 || 1.25% || -$2.52 || 372 ||


 * **False, paying the minimum will only make you pay for a longer amount of time. If you pay a little more than the minimum you will get out of debt faster.**
 * **False, you want the lowest possible so you don't have to pay as much.**
 * **True, you just need to make sure that you pay off the intrest and to start decreasing the principal.**
 * **True, you need to do this because if you dont you will most likely have to pay a fee as well as maybe going into** debt depth **.**


 * **discretionary spending- ?????**
 * **net worth-**the amount left after subtacting what you owe from what you own
 * **giving-** another choice for spending your money such as donating
 * **savvy shopping-** where you decide if the item is a need or a want
 * **budget-** a road map for your money to follow
 * **debt-** money owed to a person, place, or company
 * **credit card pros and cons-** instant gratification and convienence, easy to overspend
 * **debit card pros and cons-** excepted nearly anywhere, if you spemd more money it's a fee
 * **borrow and downpayment-** to take something but promise to pay it back later, an initial payment made when something is bought on credit.
 * **APR-** intrest expressed over a year long period
 * **credit score-** a number assigned to a person that indicates to lenders their capacity to repay a loan.
 * **public and private colleges-** bigger expense for students but many schools offer finacial aid

 4. Spend your money wisely.
 * 1) People use credit cards to make purchases right then and there.
 * 2) one adavntage is that you get instant gratification, one disadvantage is it is easy to overspend
 * 3) credit card- a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit
 * principal- denoting an original sum invested
 * APR- intrest expressed over a year long period
 * simple intrest - a quick method of calculating theinterest charge on a loan
 * compund intrest - interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan
 * monthly payments- payments that are monthly towards decraesing the intrest