![]() Using simple formulas also allows me to perform calculations with changing values. By using formulas, I don’t have to worry about manually updating the totals in my spreadsheet. Automatic CalculationĮxcel allows users to use functions and formulas to automate calculations. This makes filtering data easier, as I can use a formula and search for rows containing “Rent” or “Groceries.” Removing or adding categories in a separate list also allows me to update the template in real-time, keeping the data accurate. When I create an expense Excel template, I can add a category section by using a dropdown button. This has eliminated the need for old-school manual records, making it a hassle-free experience. It lets me have an organized format to add all my financial transitions. Using an expense tracking Excel template has simplified my expense tracking process. Here are some of the benefits I experienced: Easy Expense Tracking Using an expense tracking template in Excel has been a game-changer for managing my business finances. ![]() Related: Get a Free Business Expenses Spreadsheet Benefits of Using an Excel Expense Template Using expense report forms can help you maintain an organized record of your business expenditures, which is crucial for tax purposes, budgeting, and financial planning. You can add or remove rows and columns, adjust formatting, and include formulas to automate some of the calculations. What Is an Expense Report Template for Excel?Īn Excel expense report template is a pre-made spreadsheet that can be used by businesses and individuals to record and track their expenses.Įxcel expense tracker templates are customizable, meaning you can change them based on your needs and requirements. ![]() Best Excel Expense Report Templates for 2023. ![]() What Should I Include in a Good Expense Report Template?.Benefits of Using an Excel Expense Template.What Is an Expense Report Template for Excel?. ![]()
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![]() ![]() Now, building on the lessons she's taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life-regardless of your level of income or your credit card balance. Now, she's not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Once she reversed the negative thinking patterns pushing her toward decisions that didn't serve her values or goals, her financial plan wrote itself. ![]() Society's expectations for her are the problem. 2021 and this year, I've used Fiverr more than ever: both for myself and for a. Each CouponBirds user clicks 3 coupon codes in the last. Plus, with 29 additional deals, you can save big on all of your favorite products. And, todays best The Budget Mom coupon will save you 50 off your purchase We are offering 31 amazing coupon codes right now. On the day she needed to pay for a McDonald's ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. of money if you're a control freak (trust me, I know). There are a total of 60 active coupons available on the The Budget Mom website. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she'd feel better after a trip to the mall. She saw what other moms had-vacations, birthday parties, a house full of furniture-and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. You’ll get almost all the free organizers you need. ![]() I’ve divided it into four sections, namely: Life Planner, Home Planner, Kids Planner, and Budget Planner. I took a break from posting over the last few weeks as I was starting to feel a little burn out. Free Budget Planner in Gorgeous Florals: 20 Free Printables Ultimate Budget Planner: Easy Worksheets to Grow Your Money. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. The 2021 Design a Life You Love Planner is a 60-page free printable 2021 planner that includes practical and functional organizers that can help you successfully manage your schedule. ![]() ![]() This script has 2-pointer and 3-scripts as child entries. ![]()
![]() ![]() Simply check if 'seconds' is 60 or whatever, if it is, then execute your code. The interrupt gets called every 1 second and adds 1 to 'seconds'. I tested its accuracy and it works consistently down to the microsecond. Here is a slightly modified program I made to easily set up timed interrupts. This code sets the prescaler to 1024, as slow as you can get.Ī prescaler of 1024 allows for a maximum time of 8388.608mS or ~8.3 seconds clockSelectBits = _BV(CS12) | _BV(CS10) So, cycles is NOT less than RESOLUTION - 1, therefore it was more than maximum If(cycles < RESOLUTION) clockSelectBits = _BV(CS10) // no prescale, full xtalĮlse cycles = RESOLUTION - 1, clockSelectBits = _BV(CS12) | _BV(CS10) // request was out of bounds, set as maximum long cycles = (F_CPU / 2000000) * microseconds // the counter runs backwards after TOP, interrupt is at BOTTOM so divide microseconds by 2 Your code, which would have showed me the library you were usingĪnyway, here is what I found in the library I ASSUME you are using. I had to do alot of googling, which most people WILL NOT DO, simply because you failed to tell us basic things about your problem, such as: If you like, you can click on Fullscreen to achieve a larger display that’s much easier to read.First of all, PLEASE read the How To Use This Forum thread before you post. These are our most popular countdown timers. When the timer is up, it will blink and sound an alarm. You can pause and resume this timer anytime by clicking the 'Pause' or 'Resume' buttons. This online countdown timer will alarm you with sound in 45 minute. If you don’t want to test the alarm tone, then you can simply choose the “Start Timer” button in order to launch the countdown that you have preset. This page is a 45 minute timer that counts down once you click 'Start'. When any preset alarm goes off, you can choose to shut it off, or snooze it for 5 seconds, 5 minutes, or 10 minutes. The app will count down from 5 seconds and then sound the alarm you are testing. ![]() If you want to hear the alarm tone that you are considering, then simply click on the “Test Timer” button. It is completely customizable to whatever time, tone, and message you desire.Īfter you select the time you want to count down from, you can choose to either begin the timer or test it. For instance, you could change the tone from Tornado Siren to Music Box if you decided that you wanted a quieter reminder when the timer has counted all the way down to zero. You can also change the tone of the timer at any time you choose. You could change “Check the food in the oven!” to “Time for another 25 pushups!”. For instance, if you wanted to reuse the 45-minute timer but change the custom message, you would just click on the 45-minute button and then add in your new custom message into the text box. You can click on one of your preset and saved timers to activate it but with a different message. You can also create other timers as needed as many as you like! You can go back any time and reactivate any of your saved timers with one simple click and no need to reset any of the variables unless you choose to. Whenever you set a timer, it will be automatically saved for when you need to use it again. When the timer counts down all the way to zero, your preset alarm tone will sound and your custom message will appear. There a sound for whatever mood you’re currently in! You can also choose the sound of a newborn baby, a sunny day, a bicycle horn, or a music box. You can choose Tornado Siren if you need a loud reminder or a simple beep if you just want a gentle reminder. Next, you select between the tones you want to sound when the timer countdown is complete. For example, you could add in the message: “Check the food in the oven!” Or you can leave the message box blank if you don’t want or need one. You’ll be taken to the timer settings page where you can enter a custom message for your timer. You would go to the Minutes Timer, click on the dropdown menu, and select 45 minutes. So let’s say that you want to remember to check on some food that you have in the oven in 45 minutes. The second timer allows you to choose one-second increments between 1-90. The minute timer allows you to choose one-minute increments between 1-120. The hour timer allows you to choose one-hour increments between 1-12. Setting a timer is simple and fast.įirst, choose between “Hour Timer”, “Minute Timer”, and “Second Timer”. This online timer can measure time in hours, minutes, and seconds. You just need an Internet connection and access to a web browser like Chrome, Safari, or Firefox. You don’t need a special device or to download anything. It is a web tool that can be used for various purposes when you need to track a time interval. You can activate one of them with just one click and everything is ready again. ![]() If you don't have any saved timer, we will show you some examples. If you set and start the timer, it's settings (message, sound) for given time interval are automatically saved. ![]() ![]() If you want to have a happy marriage, be the kind of person who generates positive energy and sidesteps negative energy rather than empowering it. Principles are not values they are deep, fundamental truths.Īlbert Einstein observed, “The significant problems we face cannot be solved at the same level of thinking that created them.” Covey states in all his experience he has never seen lasting solutions to problems, lasting happiness and success, that came from outside in. A principle-centered, character-based, inside-out approach to personal and interpersonal effectiveness is the level of thinking required to live the 7 Habits. We can't break these natural laws we can only break ourselves against them. These laws are principles like fairness, integrity, honesty, human dignity, service, growth, and many more. Principles are like lighthouses. They are natural laws that cannot be broken. This exercise was used by a Harvard Business School Instructor who use it to make the point two people can look at the same thing, disagree at what they are looking at, and both be right.Ĭovey tells a story of two battleships at sea on maneuvers for several days in heavy weather. One night with spotty fog a lookout on the lead ship announces to the captain a steady light on the starboard bow. The captain instructs to signal the other ship “We are on a collision course advise you to change course 20 degrees.” A message comes back, “Advisable for you to change course 20 degrees”. The captain signals “I am a Captain advise you change course 20 degrees”. A reply “I am a seaman, second class, advise you change course 20 degrees.” The angry captain demands with a final threat that they change course and backs up his threat with a statement “I am a battleship”. The voice at the other end responds, no, advise you change course, “I am a lighthouse”. The captain had a sudden paradigm shift. Look at the picture attached. Do you see an old woman or a young woman? Whichever you see that is your perspective. By shifting your perspective, you may see the other. We all have two types of maps in our heads. Maps of the way things are (realities), and maps of the way things should be (values). We seldom question their accuracy. We simply assume that the way we see things is the way they are or the way we think they should be. The fundamental problem has nothing to do with your behavior or attitude. It has everything to do with you having the wrong map. Can you imagine your frustration? You might work on your behavior, try harder, work twice as hard, but your efforts would only get you to the wrong place faster. You might work on your attitude and be more positive and optimistic, but you still wouldn’t get to your destination, although you may not worry about it because you have a positive attitude. The 7 Habits represent the internalization of correct principles upon which enduring happiness and success are based. Before we can understand the 7 Habits, we need to understand our own paradigms and how to make a paradigm shift.Ī paradigm is the way we see the world. Think of a paradigm as a map. Imagine it’s pre-cellphone era and you needed to find a location in Chicago but through a printing error, you were provided a map of Detroit labeled Chicago. I start with the riddle that is not part of Covey's 7 Habits. I hope that many are finding value in this series and recognize that this book and the ideas it contains are worthy of continuous study and application. I decided this series would be more than 7 posts (one for each of the 7 habits). I decided to dedicate Mondays to this series indefinitely with the intention that each Monday will provide an idea worthy of contemplation and focus for the rest of the week and beyond. That riddle and reader’s comments inspired me to begin a series on Stephen Covey’s "7-Habits of Highly Effective People", a book that I first read as a young man that profoundly impacted my life and career.Īs I was preparing for my first post by turning the pages of this wonderful book, I was reminded of how abundantly full of valuable insights this book is. ![]() ![]() The answer to that riddle is “I am Habit”. Welcome to my #7Habits of Highly Effective People Monday series. On January 8, 2021, I posted a “Who Am I” riddle. This is a powerful summary of Covey's classic book. ![]() For convenience and long-term accessibility to the content, I have combined my posts into one article. This article is a combination of all the 2021 weekly posts from my 7 Habits of Highly Effective People series. ![]() ![]() These online free business card templates for word reflect a modern look.Ĥ. Choose the green color with Plant printed on it if you deal with such types of herbal products. Company Greenery Business Card Word Template:īusiness cards convey your product or services graphically. You can edit your business information on the backside. ![]() Double-sided printed card with beautiful hexagon design. The blue color is the primary color for business use. This free template is perfect to edit as a personal business card.Ģ. You can edit the logo and your details easily. Look at these standard-sized white-colored doc-free business card templates for word. Simple Fresh Business Card for Minimalist Word Template: WPS office software is an emerging website that entertains you with plenty of free downloads of business card templates for word. ![]() Pre-built designs were available to customize spares a lot of our time & efforts. That is just a few clicks away to be your professional or personal business card. The Internet is full of well-organized & well-designed free business card templates for word. Business cards should be attractive that leave a positive impression on the viewer. ![]() Because facilitating customers is the first rule of Business. Make sure your visiting hours and contact information with a detailed address. Business cards are the basic element of any organization. Are you looking for Professional free business card templates for word? Then, you are in the right place. ![]() ![]() ![]() In addition to confirming that your mortgage can be recast, find out if your lender has a minimum lump-sum payment. Your lender also will be able to tell you if your mortgage is eligible. What’s more, some types of mortgages (like those backed by the Federal Housing Administration and Department of Veterans Affairs) are not eligible for recasting. Not all lenders offer mortgage recasting, so it’s important to confirm availability with your lender before setting aside funds. Contact your lender to determine your eligibility.How Does Mortgage Recasting Work?įollow these steps to recast your mortgage: Still, you’ll be able to pay off your loan early if you go this route. Doing so will decrease your loan balance, but your monthly payments will stay the same. ![]() If your lender doesn’t offer recasting, you can make a lump-sum payment on your mortgage on your own. Under these circumstances, the monthly payment-assuming a 3.5% interest rate-would decrease from $1,796 to $1,252 following the recast. Recasting the loan would involve amortizing the remaining $250,000 balance over the remaining 25-year term. Say, for example, you recast a 30-year, $400,000 mortgage with $350,000 remaining by paying a lump sum of $100,000 five years after the loan was originated. Unlike mortgage refinancing, mortgage recasting does not change your loan term or your interest rate-you’ll simply have a lower monthly payment, but you’ll also save on interest payments over the life of the loan. ![]() Yearly - For borrowers who are not willing to make extra payments more frequently, yearly extra payment is another option.Mortgage recasting is the process of reducing your mortgage balance through a lump-sum payment, and then making smaller monthly payments until you pay off your loan. Quarterly - Recurring quarterly extra payment is another option a borrower can use For biweekly payments, borrowers will make extra payments every two weeks. For monthly payments, borrowers will make additional payments each month. Monthly or Biweekly - Make extra payment for each payment. One Time - If you choose Yes for extra payment, enter any amount if you wish to make a one time extra payment. Payment Frequency - The default monthly payments or accelerated payments with biweekly payment option.įirst Payment Date - Borrowers have the option to select the current month or any date from the past or future.Īmortization Schedule - Show each payment or yearly summarization. Interest Rate - What's the interest rate on the loan? Loan Terms - How many years will the loan be paid back? The mortgage calculator with extra payments gives borrowers two ways to calculate additional principal payments, one-time or recurring extra payments each month, quarter, or year. ![]() Let's see how much he can save if he makes an additional payment of $300 each month which is about 18% more than the original monthly payment of $1,627.89.Īs we can see by making an extra payment of $300 each month, the borrower saves about $9,423.35 in interest payment, and he pays off his loan in 8 years instead of 10. On this loan, the borrower would pay $45,347.30 in interest payment after 10 years of payment. Let's take a look at an example of how much extra payments can save on a loan of $150,000 with an interest rate of 5.5% and a 10-year term.įollowing are the payment details for this loan. When a borrower consistently makes additional payments, he could save thousands of dollars on his loan. The main benefit of paying extra on a home mortgage or personal loan is saving money. Depending on the size of the loan and the extra payments, and the number of additional payments the borrower makes, he could pay off his loan much earlier than the original term. When a borrower makes additional principal payments to reduce the balance, he is essentially reducing interest payments on his loan. The interest payment is basically recalculated each month based on the loan balance. However, the principal and interest amount change as time progresses. On a fixed-interest loan, the monthly payments remain the same throughout the loan. The monthly payment consists of principal and interest payments. The borrower is expected to pay back the lender in monthly payments. When a borrower applies for a loan, he gets a lump sum from the lender. To understand additional principal payments, we first need to learn how a loan amortization schedule works. The additional principal payment is extra payments that a borrower pays to reduce the principal of his loan balance. The loan amortization calculator with extra payments gives borrowers 5 options to calculate how much they can save with extra payments, the biweekly payment option, one time lump sum payment, extra payments every month, quarter, or year. Loan Amortization Calculator With Extra Payments ![]() |
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