Beruflich Dokumente
Kultur Dokumente
ASSETS
Current Assets
Checking (Joint)
Bank CD (Joint)
2,000.00
3,000.00
Investment Assests
Savings Account
Brokerage Account
Roth IRA (H)
401(k) Account (Her)
401(k) Account (His)
Total Investment Assests
$
$
$
$
$
$
$
$
$
$
$
$
Total Assets
$
$
5,237.00
6,200.00
Long-Term Liabilities
Harley Davidson Loan
Jeep Auto Loan
Student Loans H
Infiniti Loan
Primary Mortgage
Total Long-Term Liabilities
$
$
$
$
$
18,000.00
8,500.00
37,380.00
42,000.00
178,000.00
5,000.00
2,300.00
3,700.00
4,295.00
65,581.00
108,657.00
$
Current Liabilites
BB National CC
Sears CC
Total Current Liabilities
184,533.00
Total Liabilities
3,500.00
8,000.00
9,000.00
12,300.00
21,000.00
38,500.00
271,980.00
364,280.00
11,437.00
283,880.00
295,317.00
258,496.00
553,813.00
Cash Inflows
Totals
Sarah's Salary
Todd's Salary
Dividend/Interest Income
Total Cash Inflows
$
$
$
72,000.00
96,000.00
1,440.00
$
169,440.00
18,600.00
40,260.00
61,908.00
4,416.00
$
$
9,600.00
134,784.00
34,656.00
$
$
$
$
$
3,600.00
3,600.00
2,760.00
1,440.00
7,200.00
Total Savings
Debt Payments
Mortgage Payment (PITI)
Student Loan Payment
Harley Payment
Infiniti Payment
Jeep Payment
BB National Credit Card Payment
Sears Credit Card Payment
$
$
$
$
$
$
$
21,324.00
3,360.00
2,100.00
5,376.00
3,360.00
2,340.00
2,400.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
468.00
1,260.00
1,560.00
4,200.00
14,400.00
1,800.00
4,800.00
1,920.00
4,800.00
3,600.00
6,000.00
3,600.00
2,400.00
1,200.00
3,600.00
4,800.00
540.00
960.00
$
$
3,216.00
1,200.00
$
Total Taxes
9,600.00
$ 169,440.00 100.00%
$ 129,600.00 76.49%
$ 39,840.00 23.51%
$ 18,600.00 10.98%
$ 40,260.00 23.76%
$ 61,908.00 36.54%
$ 4,416.00
2.61%
$ 4,416.00
2.61%
Total Insurance
Payment
3%
Total Living
expenses
36%
Total Debt
Payment
p Spending Areas
Total Taxes
3%
Free Cash flow
23%
Total Saving
11%
Total Debt
Payment
24%
$
$
$
$
$
$
$
$
$
$
3,355.00
130.00
1,200.00
300.00
500.00
200.00
100.00
80.00
368.00
6,233.00
0.8022 Months
Current Ratio
Cash & Cash Equivalents/Current Liabilities
Cash & Cash Equivalents
Current Liabilities
Current Ratio
$ 5,000.00
$ 11,437.00
0.4372 (2013)
Housing Ratios
Income
Sarah's Monthly Salary
Tod's Monthly Salary
Dividend/Inerest Income
Total Income
$ 6,000.00
$ 8,000.00
$
120.00
$ 14,120.00
PITI
1,777.00
3,355.00
H1 Ratio
H2 Ratio
29.62%
85.53%
(2013)
Loan Value
Refinancing cost
Option 1
PV
Interest
Years
N
Interest(Monthly Rate)
FV
PMT
Option 1
Month
1
2
3
4
5
6
7
8
9
10
180
Total
$
$
178,000.00
5,500.00
183,500.00
4.20%
15
180
0.35%
0
($1,375.79)
Beg bal.
$
$
$
$
$
$
$
$
$
$
$
Pmt
183,500.00
182,766.46
182,030.35
181,291.66
180,550.39
179,806.53
179,060.06
178,310.98
177,559.27
176,804.94
1,370.99
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$1,375.79
$247,642.54
Interest
$
$
$
$
$
$
$
$
$
$
$
642.25
639.68
637.11
634.52
631.93
629.32
626.71
624.09
621.46
618.82
4.80
$64,142.54
Time (years)
Total # of Payments
Payment & Interest
Taxes & Insurance
PITI
Total Interest Paid
Total Paid
Monthly Income
Non Discretionary Expenses
H1
H2
Current
22.05
264.6
$1,277.32
$499.68
$1,777.00
$259,834.35
$459,834.35
$14,120.00
$3,355.00
12.58%
36.35%
Option 1
15
180
$1,375.79
$499.68
$1,875.47
$64,142.54
$247,642.54
$14,120.00
$3,355.00
13.28%
37.04%
Option 2
PV
Interest
Years
N
Interest(Monthly Rate)
FV
PMT
Principal
$733.54
$736.11
$738.69
$741.27
$743.87
$746.47
$749.08
$751.70
$754.33
$756.97
$1,370.99
$183,500.00
End Bal
$
$
$
$
$
$
$
$
$
$
$
Option 2
Month
182,766.46
182,030.35
181,291.66
180,550.39
179,806.53
179,060.06
178,310.98
177,559.27
176,804.94
176,047.96
0.00
1
2
3
4
5
6
7
8
9
10
180
181
360
Total
Option 1
15
180
$1,375.79
$499.68
$1,875.47
$64,142.54
$247,642.54
$14,120.00
$3,355.00
13.28%
37.04%
Option 2
30
360
$940.70
$499.68
$1,440.38
$155,152.87
$338,652.87
$14,120.00
$3,355.00
10.20%
33.96%
Beg bal.
$
$
$
$
$
$
$
$
$
$
$
$
$
183,500.00
4.60%
30
360
0.38%
0
($940.70)
Pmt
183,500.00
183,262.71
183,024.52
182,785.41
182,545.39
182,304.44
182,062.57
181,819.78
181,576.05
181,331.39
122,621.72
122,151.07
937.11
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$940.70
$338,652.87
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
Principal
703.42
702.51
701.59
700.68
699.76
698.83
697.91
696.98
696.04
695.10
470.05
468.25
3.59
$155,152.87
$237.29
$238.20
$239.11
$240.03
$240.95
$241.87
$242.80
$243.73
$244.66
$245.60
$470.65
$472.46
$937.11
$183,500.00
Current
PV
Interest
N
FV
PMT
PITI
TI
End Bal
$
$
$
$
$
$
$
$
$
$
$
$
$
$200,000.00
6.60%
30
0
($1,277.32)
$1,777.00
$499.68
Month
183,262.71
183,024.52
182,785.41
182,545.39
182,304.44
182,062.57
181,819.78
181,576.05
181,331.39
181,085.79
122,151.07
121,678.62
0.00
Beg bal.
1
2
3
4
5
6
7
8
9
10
180
181
360
Total
$200,000.00
$199,822.68
$199,644.39
$199,465.12
$199,284.86
$199,103.61
$198,921.36
$198,738.11
$198,553.85
$198,368.58
$146,183.67
$145,710.36
$1,270.33
PV
Interest
FV
PMT
N
Pmt
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$1,277.32
$459,834.35
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$200,000.00
6.60%
$178,000.00
($1,277.32)
7.95 Years
Principal
1,100.00
1,099.02
1,098.04
1,097.06
1,096.07
1,095.07
1,094.07
1,093.06
1,092.05
1,091.03
804.01
801.41
6.99
$259,834.35
End Bal
$177.32
$178.29
$179.27
$180.26
$181.25
$182.25
$183.25
$184.26
$185.27
$186.29
$473.31
$475.91
$1,270.33
$200,000.00
$199,822.68
$199,644.39
$199,465.12
$199,284.86
$199,103.61
$198,921.36
$198,738.11
$198,553.85
$198,368.58
$198,182.29
$145,710.36
$145,234.45
$0.00