Tools

Joe’s book, I Was Broke. Now I’m Not., teaches you exactly how to use the tools below!   You can purchase your copy HERE.

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Monthly Budget Form (Excel)
  • Requires Microsoft Excel
  • (Open Office (MAC or Windows) or Google Docs work if you don’t have Excel)
  • Able to write all of their checks at one time
  • Are paid monthly or have enough in savings to pay all bills at one time
Weekly Budget Form (Excel)
  • Requires Microsoft Excel
  • (Open Office (MAC or Windows) or Google Docs work if you don’t have Excel)
  • Paid multiple times each month (weekly, bi-weekly, 2X per month, etc)
  • Living paycheck-to-paycheck – This form allows you to spend each paycheck individually so you know where every single dime of that paycheck is going to go!
Mini-Budget Form (Excel)
  • Requires Microsoft Excel
  • (Open Office (MAC or Windows) or Google Docs work if you don’t have Excel)
  • Use for spending your bonuses, tax refunds, or inheritance ON PAPER BEFORE doing anything with it!
  • You can also use this form to put together a wedding budget, home project, etc.
Debt Freedom Date Calculator (Excel)
  • Requires Microsoft Excel
  • (Open Office (MAC or Windows) or Google Docs work if you don’t have Excel)
  • Enter all of your debts, debt balances, and monthly payments and this calculator will tell you how many months it will be until you are debt free!
  • Remember this calculation does not work unless you have stopped signing up for more debt!

Actual Cost of Debt Calculator

  • Requires Microsoft Excel
  • (Open Office (MAC or Windows) or Google Docs work if you don’t have Excel)
  • Enter all of your debts, debt balances, monthly payments, AND interest and this calculator will tell you how much of your payments is actually going to reduce the balance and how much is going to the banks!

Monthly Budget (web-based)

  • Does NOT require Microsoft Excel
  • Similar to Excel Monthly Budget

Monthly Budget Form (by Week) (web-based)

  • Does NOT require Microsoft Excel
  • Similar to Excel Monthly Budget (by Week)

Debt Freedom Date Calculator (web-based)

  • Does NOT require Microsoft Excel
  • Similar to Excel Debt Freedom Date Calculator

Early Pay-Off Calculator

  • Allows you to see how a change of interest rate or monthly payment affects your debt pay-off!
Monthly Escrow Account Form (Excel)
  • Eliminate budget-crushing expenses with this form!
Financial Planning Checklist (Word)
  • Microsoft Word Required
  • A list of items that any healthy financial plan contains
Planning For Your Life (PDF)
  • It is POWERFUL to have a written plan for your life!
Savings Account Balance Tracking (Excel)
  • Requires Microsoft Excel
  • (Open Office (MAC or Windows) or Google Docs work if you don’t have Excel)
  • Allows you to provide details of your savings account balance

Investment Value Calculator

  • Calculates the future value of your investments based on the interest rate, number of months, current value, and monthly amount invested.

Mortgage Payment Calculator

  • Calculates the mortgage payment you will make based on the interest rate, months mortgaged, amount mortgaged.

Retirement Nest-Egg Required Calculator

  • Calculates the nest-egg required in order to retire based on the annual amount you want to retire on and when you would like to retire.

Financial Accounts Form (MS Word) or Financial Accounts Form (PDF)

  • Helps you organize your entire financial picture
  • Read THIS SERIES to learn how to best use this tool

Pay-Off Spectaculars – Visually track your progress toward paying off

Saving Spectaculars – Visually track your progress toward a CASH PURCHASE!

Pledge Spectaculars – Visually track your progress toward fulfilling your GameTime Pledge!

Time Budget - By the Half-Hour
  • Feel like your schedule is out of control?   Use this form to plan the next week’s activities for the family!
Time Budget - By The Hour
  • Be sure to include date night, family game night, and other family-building times!

Looking for additional Personal Finance Resources? You can purchase books/materials by clicking HERE.

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