<prompt> Human: Edit: Several people requested access to the spreadsheet. You shouldnt need to request access. You should be able to File Make a copy.... Please PM me if you are unable to do so.I was raised in a family where finances were not ever discussed other than the fact that we did or did not have it. My father was an optimistic entrepreneur who struck gold, time and time again on many of his business ventures, but always found a way to blow through his riches with little to show for it. Factor in my mother who was a hoarder and you had the perfect formula for disaster. I wont stroll too deep down memory lane, but long story short, I never completed my college degree and decided to go straight into the workforce instead.Seven years ago, I was laid off from a job that was paying the bills with no degree to fall back on. I made the decision to go back to school and about two years into my degree, I was caught in a financial bind, worrying about how I was going to take care of next semesters tuition. Fortunately for me, I had an amazing aunt, uncle, sister, and BIL who helped cover my expenses. After that incident, I swore to myself that as soon as I graduated, I would take charge of my own finances and do everything in my power to avoid going down the same path as my parents.Ive been a long-time lurker and have read countless personal stories shared on this subreddit throughout the years. Even if the situation didnt apply to my own life, I took the time to sympathize with what others are going through in the event that I too may one day endure the same hardship. I silently cheered behind the scenes along with each success story shared. This sub is a daily read for me and became my source of encouragement towards living a debt-free life.Today, I get to share my own success story. I made a plan after graduating to aggressively pay off my student loans and have been blessed enough to have the means to do. I have made the final payment on my student loans. From 22,601.14 to 0 in 27 months.Along with the good news, I wanted to give back to the community that has been so helpful all these years. I created a spreadsheet to track my various finances and Im hoping that it will help others as well.Personal Finance Template: It may seem like there is a lot going on, but I will try my best to describe each tab in-depth to make it seem less scary.Student Loans: My student loans were broken down into different groups A, B, C, D at different interest rates. I wanted to calculate the total interest over the life of each loan based on a set payment amount, so I made a rough amortization chart. F2: Enter your interest rate. H2: Enter your desired monthly payment. M2: Enter your loan balance.I wanted to find the sweet spot for what I felt comfortable paying while also trying to minimize the total accrued interest as best as I could, so I played around with various numbers for H2.As an example, I entered 200 in H2. Now I am searching for the row where the value in column M is negative. This happens in M30.That means that if I make a monthly payment of 200 H2, I would pay it off in 30 months G32 and accrue 281.64 of total interest K32.I repeated the same process for 56.57 the recommended minimum payment from my student loan provider, 150, 175, and 250 and then made a chart in O1:R6 I calculated the savings based on how much less interest I would pay over the life of the loan if I paid more than the minimum payment. This became such a big motivator for me to continue to make aggressive payments that I decided to add it to the Summary tab.Summary: This tab is exactly what it sounds like; it is a summary of all of my finances so that I can get a snapshot view of where my money is, along with my net worth, average credit score, and student loan savings. B2: I update this formula once a month. Currently the formula is 2017.06!Q200, pointing to the 2017.06 spreadsheet.. When June ends, I will simply update the formula to point to 2017.07!Q200. B10: This is also updated monthly. Next month, I would change the formula from Credit Score!F20 to Credit Score!F21.2017.04, 2017.05, 2017.06: This is where the bulk of the work comes in. A: Enter the date of the posted transaction. If the transaction is still pending, leave the date blank until it has posted. B: Enter the merchant for the transaction. This column uses the Merchants tab for data validation. To add a new merchant, simply add another entry in column A of the Merchants tab. C: Enter the category for the transaction. This simply helps categorize your spending. Use the Categories tab for data validation. D: Enter all credit transactions to your bank account in this column. E: Enter all debit transactions to your bank account in this column. F:J: I have four credit cards that I use in rotation. Enter all credit card transactions under the corresponding column adjust columns as needed. K: This column shows the current balance of your bank account. L:P: These columns shows the current balance of each of your credit cards. Q: I call this column the reality check. It shows your true balance: the cash you have in your bank account minus all of the debts across your credit cards. S:T: This gives you a breakdown of where you are spending your money. It is another helpful way to keep your spending in check and should help you budget.It might seem like a lot of work, but it has become routine enough for me that it takes me no more than 10 minutes in the morning.My routine: 1. Log into Charles Schwab.2. Enter pending transactions columns B:J.3. Enter dates for previously pending transactions column A.4. Repeat 1-3 for Citi, Discover, Amex, Capital One.5. Select the columns that are out of order, then click Data Sort sheet by Column A, A - Z.Lets go through an example. In tab 2017.06, I have the following pending transactions: After logging into my accounts, I found that these transactions are all posted now, so I have entered the dates of the posted transactions in column A: My transactions are out of order, which will happen often with pending transactions, so now I have to sort them.I select columns A53:J39 up to posted date 611: Then click Data Sort sheet by Column A, A - Z: My transactions are now sorted! That is pretty much all I do for daily transactions, though there are two things I want to make note of. Paying credit card bills: When paying a credit card bill, I enter a debit in column E as well as a credit in the corresponding credit card column. For instance, I paid my Citi credit card bill on 622017 in the amount of 143. This is what that transaction looks like: Look-ahead: Often times, I will enter transactions that have not happened yet further down the spreadsheet. For example, if I know I have a credit card bill due later this month, or a rent payment, or an incoming paycheck, I will enter it in order to look ahead of my finances. This teaches me discipline in how I am spending my current balance while making sure that I am preparing for upcoming expenses. An example of this can be seen in rows 90:91: I know that I have a credit card bill due on 73, and I also have another paycheck coming on 630. Entering both of these transactions allows me to gauge how prepared I am when that time comes.At the end of the month, I simply right-click 2017.06 and click Duplicate, renaming the new spreadsheet to 2017.07. I also make sure that all of the formulas in D2:J2 correctly point to the previous month. D2: Change 2017.05!K200 to 2017.06!K200 F2: Change 2017.05!L200 to 2017.06!L200 G2: Change 2017.05!M200 to 2017.06!M200 H2: Change 2017.05!N200 to 2017.06!N200 I2: Change 2017.05!O200 to 2017.06!O200 J2: Change 2017.05!P200 to 2017.06!P200Ally Savings 1.00 APY: This tab follows the same structure as the monthly tabs.Stocks Owned: I use this tab to keep track of the current stocks that I own. A: Enter the stock ticker. B: Enter the purchase date. C: Enter the number of shares purchased. D: Enter the purchase price.Rows 25:37 helps me track when I should sell the stock and what my net gainloss would be. C26: Enter the number of shares purchased. D26: Enter the purchase price.The chart will show you what the sell price would be for a 10.00 - 65.00 gross profit.Stocks Sold: This just helps me keep track of my stocks sold over the years. I copy and paste the values directly from Stocks Owned when I choose to sell.401k: This tab tracks all of my 401k transactions. C: Enter the money contributed for the month. D: Enter the amount of gainloss for the month.Columns G:I will give you the year-to-date statistics, but it is pretty barebones at the moment.HSA: This tab follows the same structure as the monthly tabs.HSA Investment: This tab follows a similar structure as the 401k tab.Credit Score: This tab keeps track of my monthly free credit estimates offered by my credit cards. Columns H:I tracks roughly what date a new credit score is available. Its interesting to see how your credit score is affected month to month based on various factors. For instance, my credit utilization was high from 092016 - 122016 due to the holidays and various trips. My credit took a dip for that period and then has been slightly rising since.Thats all she wrote! Im going to get some shut eye, but I hope that this will help at least a few individuals. I promise to answer any questions you may have in the morning.  <response>: Welcome to personal finance radio! Its great to have you, whats your name?Hi Mike, I love your show. My name is Dave, Im a long time lurker, first time poster.Fantastic! Whats your personal finance question? 