Tenacious asked:


this includes paying off credit cards, car payments…etc
i need about 16 k

Foam asked:


im not talkin about loans on a house or condo, just loans on stuff other than land/houses/condos. (My partner and I own a condo and are making more than the required minimum payments on our mortgage) Are there any good websites or spreadsheet templates on the net that itemise your goal for you on an annual basis? I want to get rid of my credit card debt of $12k and save enough money to start a small business (my partner doesn’t know about either of these otherwise he would explose). I would still work in my crappy job so my expenses are covered and to have an income stream…just that I want to pay off my credit card debt without my partner knowing and then start a small business and tell him when the business is off the ground. So I need the spreadsheet for both these things.

Pablo R asked:


I understand this question is a little out there but I am in a desperate situation and am willing to try anything. Got caught in an a adjustable rate mortgage and had to sell my house for a loss that ate up all of my savings and then some. Maxed out of my credit cards in the process and am now stuck. I have a college degree and am a hard worker but the money I make at my job now will never get me out of this debt, 50k and counting. I am willing to go anywhere do anything for a year, Iraq, 3rd world in exchange for clean slate. Are there any programs or companies even over seas that offer something like this?

jwimpee01 asked:


Ok..So I have a tricky question. Im trying to set some goals for paying off my debt and am trying to figure out an excel formula to help me. Im so close I just can’t figure out how to phrase it. This is what I need the formula ( basically )to say.
IF my debt in C4 is 0 then, the money I have to put towards the debt ((lets say the amount is in A1) needs to carryover into D4, and then when it equals 0 in D4 it will be applied to E4.

Hopefully I am explaining this right.

My next problem is once that is figured out I need to apply it across the months on the page.

My goal is to have a workbook that has a list of my debts going down the page, months of the year across the page, and then once the formula is applied show me which month I will have each debt paid off, especially if I put this extra money towards it.

Its a hard thing for me to figure out how if one debt equals zero, the amount I have to put towards debt that is leftover from that cell now equaling zero, rolling down into the next cell.

Im sure someone is extremly smart out there and can figure this out!

Thank you! I just really want to set some debt free goals!

N R asked:


I have a little over 14 thousand in debt, not including my car note. I been paying off my debt little by little but I just want to be debt free once in for all. Do i just need to pay more money, or does John Cummuta give you amazing advice or a real program?