*Provides accurate monthly and annual
records of income and expenditure
*All totals automatically
updated
*Customisable categories
*Instantly shows over/under
spend
*Graphs and charts instantly identify problem areas
*Change
figures to experiment with your budget
*Full PDF Manual
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HOME BUDGET PLANNER
SCREENSHOTS |
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Dozens of prefilled categories are provided
but these may be customized to fit your individual circumstances.
All monthly and annual totals update automatically as you
type. |
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See each month's expenses as a chart, making
it much easier to identify where the 'money leaks' are. |
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As the year goes on you can see at a glance
which costs are rising too fast and take steps before the problem
gets too great. |
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Screenshots may vary
slightly depending on your operating
system |
Program 2: The Mortgage Calculator
Please note, the Mortgage
Calculator is for monthly calculated repayment mortgages (the vast
majority of mortgages).
The
largest expense that most of us will ever have is our mortgage. yet few of
us really know very
much about how it works. Could you for instance answer the questions
below?
*The interest rate is forecast to rise by 0.5% what
will your new repayments be?
*You have inherited a few thousand pounds. Is it
worth using it to pay off some of your mortgage? How much will you
save?
*In 10 years time how much of your monthly repayment
will be used just to repay interest?
With the Mortgage Calculator you can see the answers to
these questions at a glance.
Includes:
Instant Mortgage Calculator
Simply enter the
amount borrowed (or currently owed), the interest rate and the period of
the loan (or remaining period) and you will instantly be given:
*Monthly
Repayment
*Total you will pay
*Actual cost of the loan
This
information will then automatically be fed into.............
The Mortgage
Predictor
Over the
entire period of the mortgage you will have at a glance figures for each
month showing:
*Interest repaid this month
*Capital amount repaid this
month
*Amount owing
But the
mortgage predictor really comes into its own as a way of preparing against
future changes. For any time in the future you can enter a new interest
rate or see the effect that making a lump sum payment would have. The
program will instantly provide a new set of figures for the life of the
mortgage.
Equity and
Profitability Guide
Just enter a few simple figures
to see month by month estimates (for the full life of the mortgage)
of:
*Property Value
*Monthly Expenses (adjusted for
inflation)
*Costs to Date
*Equity
*Net Equity
With
this section of the program you can see the true cost or profit of
your property. Why not put in some figures for this time next year? You
could enter a worst case scenario for property rise/fall and inflation followed by a best
case. Have a good look at the resulting figures, forewarned is
forearmed.
This
section also provides a figure for "virtual rent". This is an estimate of
the real cost to
you of the property i.e. everything you have paid out
to date less any equity in the property. This figure is available at a
glance for any month of the period of the loan.
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WHAT YOU WILL
RECEIVE
The Home Finance &
Mortgage Planner is spreadsheet software. If you do not already have
a spreadsheet installed we give you a FREE copy of the Gnumeric
Spreadsheet. Or you may use Microsoft Excel or Open Office.
The
disc contains the following:
2x Excel Files
2x
Open Office Files
2x Gnumeric Files
1x Gnumeric
Installation
Full PDF Instructions/Guide
You will also receive a
brief printed troubleshooting guide and the address of our email
helpline in case you should need further
assistance. |
ONLY £2.99 + 99p
p&p
