Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40

How many years to get completely out of debt?

How much in the back when you complete 30 years of payments?
1. Develop a budget
2. Cut up the credit cards
3. Find an extra $50 / month
4. Put together a "roll over plan"
Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
 First Debt = $74.63 + $50.00 = $124.63

12.0% $840.00
Month Payment Interest Principal Remaining Balance
1 $124.63 $8.40 $116.23 $723.77
2 $124.63 $7.24 $117.39 $606.38
3 $124.63 $6.06 $118.57 $487.81
4 $124.63 $4.88 $119.75 $368.06
5 $124.63 $3.68 $120.95 $247.11
6 $124.63 $2.47 $122.16 $124.95
7 $124.63 $1.25 $123.38 $1.57
8
9
10
11
12
Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
 Second Debt, after 7 mths payment goes to $70.61 + $124.63 = $195.24

12.0% $1,500.00
Month Payment Interest Principal Remaining Balance
1 $70.61 $15.00 $55.61 $1,444.39
2 $70.61 $14.44 $56.17 $1,388.22
3 $70.61 $13.88 $56.73 $1,331.50
4 $70.61 $13.31 $57.30 $1,274.20
5 $70.61 $12.74 $57.87 $1,216.33
6 $70.61 $12.16 $58.45 $1,157.89
7 $70.61 $11.58 $59.03 $1,098.86
8 $195.24 $10.99 $184.25 $914.60
9 $195.24 $9.15 $186.09 $728.51
10 $195.24 $7.29 $187.95 $540.55
11 $195.24 $5.41 $189.83 $350.72
12 $195.24 $3.51 $191.73 $158.99
13 $195.24 $1.59 $193.65 ($34.66)
14
15
16
17
18
19
20
21
22
23
24
= $195.24
Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
 3rd Debt, after 13 mths payment goes to $126.53 + $195.24 = $321.77

18.0% $3,500.00
Month Payment Interest Principal Remaining Balance
1 $126.53 $52.50 $74.03 $3,425.97
2 $126.53 $51.39 $75.14 $3,350.83
3 $126.53 $50.26 $76.27 $3,274.56
4 $126.53 $49.12 $77.41 $3,197.15
5 $126.53 $47.96 $78.57 $3,118.58
6 $126.53 $46.78 $79.75 $3,038.83
7 $126.53 $45.58 $80.95 $2,957.88
8 $126.53 $44.37 $82.16 $2,875.72
9 $126.53 $43.14 $83.39 $2,792.32
10 $126.53 $41.88 $84.65 $2,707.68
11 $126.53 $40.62 $85.91 $2,621.76
12 $126.53 $39.33 $87.20 $2,534.56
13 $126.53 $38.02 $88.51 $2,446.05
14 $321.77 $36.69 $285.08 $2,160.97
15 $321.77 $32.41 $289.36 $1,871.61
16 $321.77 $28.07 $293.70 $1,577.92
17 $321.77 $23.67 $298.10 $1,279.82
18 $321.77 $19.20 $302.57 $977.24
19 $321.77 $14.66 $307.11 $670.13
20 $321.77 $10.05 $311.72 $358.41
21 $321.77 $5.38 $316.39 $42.02
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
 4th Debt, after 21 mths payment goes to $139.49 + $321.77 = $461.26

10.0% $5,500.00
Month Payment Interest Principal Remaining Balance
1 $139.49 $45.83 $93.66 $5,406.34
2 $139.49 $45.05 $94.44 $5,311.91
3 $139.49 $44.27 $95.22 $5,216.68
4 $139.49 $43.47 $96.02 $5,120.66
5 $139.49 $42.67 $96.82 $5,023.85
6 $139.49 $41.87 $97.62 $4,926.22
7 $139.49 $41.05 $98.44 $4,827.78
8 $139.49 $40.23 $99.26 $4,728.53
9 $139.49 $39.40 $100.09 $4,628.44
10 $139.49 $38.57 $100.92 $4,527.52
11 $139.49 $37.73 $101.76 $4,425.76
12 $139.49 $36.88 $102.61 $4,323.15
13 $139.49 $36.03 $103.46 $4,219.69
14 $139.49 $35.16 $104.33 $4,115.36
15 $139.49 $34.29 $105.20 $4,010.17
16 $139.49 $33.42 $106.07 $3,904.09
17 $139.49 $32.53 $106.96 $3,797.14
18 $139.49 $31.64 $107.85 $3,689.29
19 $139.49 $30.74 $108.75 $3,580.54
20 $139.49 $29.84 $109.65 $3,470.89
21 $139.49 $28.92 $110.57 $3,360.33
22 $461.26 $28.00 $433.26 $2,927.07
23 $461.26 $24.39 $436.87 $2,490.20
24 $461.26 $20.75 $440.51 $2,049.69
25 $461.26 $17.08 $444.18 $1,605.51
26 $461.26 $13.38 $447.88 $1,157.63
27 $461.26 $9.65 $451.61 $706.02
28 $461.26 $5.88 $455.38 $250.64
29
30
31
32
33
34
35
36
Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
 After 28 mths payment goes to $154.10 + $461.26 = $615.36

11.0% $9,000.00
Month Payment Interest Principal Remaining Balance
1 $154.10 $82.50 $71.60 $8,928.40
2 $154.10 $81.84 $72.26 $8,856.14
3 $154.10 $81.18 $72.92 $8,783.22
4 $154.10 $80.51 $73.59 $8,709.64
5 $154.10 $79.84 $74.26 $8,635.38
6 $154.10 $79.16 $74.94 $8,560.43
7 $154.10 $78.47 $75.63 $8,484.80
8 $154.10 $77.78 $76.32 $8,408.48
9 $154.10 $77.08 $77.02 $8,331.46
10 $154.10 $76.37 $77.73 $8,253.73
11 $154.10 $75.66 $78.44 $8,175.29
12 $154.10 $74.94 $79.16 $8,096.13
13 $154.10 $74.21 $79.89 $8,016.25
14 $154.10 $73.48 $80.62 $7,935.63
15 $154.10 $72.74 $81.36 $7,854.27
16 $154.10 $72.00 $82.10 $7,772.17
17 $154.10 $71.24 $82.86 $7,689.31
18 $154.10 $70.49 $83.61 $7,605.70
19 $154.10 $69.72 $84.38 $7,521.32
20 $154.10 $68.95 $85.15 $7,436.16
21 $154.10 $68.16 $85.94 $7,350.23
22 $154.10 $67.38 $86.72 $7,263.50
23 $154.10 $66.58 $87.52 $7,175.99
24 $154.10 $65.78 $88.32 $7,087.67
25 $154.10 $64.97 $89.13 $6,998.54
26 $154.10 $64.15 $89.95 $6,908.59
27 $154.10 $63.33 $90.77 $6,817.82
28 $154.10 $62.50 $91.60 $6,726.22
29 $615.36 $61.66 $553.70 $6,172.51
30 $615.36 $56.58 $558.78 $5,613.73
31 $615.36 $51.46 $563.90 $5,049.83
32 $615.36 $46.29 $569.07 $4,480.76
33 $615.36 $41.07 $574.29 $3,906.48
34 $615.36 $35.81 $579.55 $3,326.93
35 $615.36 $30.50 $584.86 $2,742.06
36 $615.36 $25.14 $590.22 $2,151.84
37 $615.36 $19.73 $595.63 $1,556.20
38 $615.36 $14.27 $601.09 $955.11
39 $615.36 $8.76 $606.60 $348.50
40 $615.36 $3.19 $612.17 ($263.66)
Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
 After 40 mths payment goes to $467.06 + $615.36 = $1,082.42

9.0% $22,500.00
Month Payment Interest Principal Remaining Balance
1 $467.06 $168.75 $298.31 $22,201.69
2 $467.06 $166.51 $300.55 $21,901.14
3 $467.06 $164.26 $302.80 $21,598.34
4 $467.06 $161.99 $305.07 $21,293.27
5 $467.06 $159.70 $307.36 $20,985.91
6 $467.06 $157.39 $309.67 $20,676.24
7 $467.06 $155.07 $311.99 $20,364.25
8 $467.06 $152.73 $314.33 $20,049.93
9 $467.06 $150.37 $316.69 $19,733.24
10 $467.06 $148.00 $319.06 $19,414.18
11 $467.06 $145.61 $321.45 $19,092.73
12 $467.06 $143.20 $323.86 $18,768.86
13 $467.06 $140.77 $326.29 $18,442.57
14 $467.06 $138.32 $328.74 $18,113.83
15 $467.06 $135.85 $331.21 $17,782.62
16 $467.06 $133.37 $333.69 $17,448.93
17 $467.06 $130.87 $336.19 $17,112.74
18 $467.06 $128.35 $338.71 $16,774.02
19 $467.06 $125.81 $341.25 $16,432.77
20 $467.06 $123.25 $343.81 $16,088.95
21 $467.06 $120.67 $346.39 $15,742.56
22 $467.06 $118.07 $348.99 $15,393.57
23 $467.06 $115.45 $351.61 $15,041.96
24 $467.06 $112.81 $354.25 $14,687.72
25 $467.06 $110.16 $356.90 $14,330.82
26 $467.06 $107.48 $359.58 $13,971.24
27 $467.06 $104.78 $362.28 $13,608.96
28 $467.06 $102.07 $364.99 $13,243.97
29 $467.06 $99.33 $367.73 $12,876.24
30 $467.06 $96.57 $370.49 $12,505.75
31 $467.06 $93.79 $373.27 $12,132.48
32 $467.06 $90.99 $376.07 $11,756.42
33 $467.06 $88.17 $378.89 $11,377.53
34 $467.06 $85.33 $381.73 $10,995.80
35 $467.06 $82.47 $384.59 $10,611.21
36 $467.06 $79.58 $387.48 $10,223.73
37 $467.06 $76.68 $390.38 $9,833.35
38 $467.06 $73.75 $393.31 $9,440.04
39 $467.06 $70.80 $396.26 $9,043.78
40 $467.06 $67.83 $399.23 $8,644.55
41 $1,082.42 $64.83 $1,017.59 $7,626.96
42 $1,082.42 $57.20 $1,025.22 $6,601.75
43 $1,082.42 $49.51 $1,032.91 $5,568.84
44 $1,082.42 $41.77 $1,040.65 $4,528.19
45 $1,082.42 $33.96 $1,048.46 $3,479.73
46 $1,082.42 $26.10 $1,056.32 $2,423.41
47 $1,082.42 $18.18 $1,064.24 $1,359.16
48 $1,082.42 $10.19 $1,072.23 $286.93
Listing of all debts

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
 After 48 mths payment goes to $1,097.75 + $1,082.42 = $2,180.17

7.0% $165,000.00
Month Payment Interest Principal Remaining Balance
1 $1,097.95 $962.50 $135.45 $164,864.55
2 $1,097.95 $961.71 $136.24 $164,728.31
3 $1,097.95 $960.92 $137.03 $164,591.28
4 $1,097.95 $960.12 $137.83 $164,453.44
5 $1,097.95 $959.31 $138.64 $164,314.80
6 $1,097.95 $958.50 $139.45 $164,175.36
7 $1,097.95 $957.69 $140.26 $164,035.10
8 $1,097.95 $956.87 $141.08 $163,894.02
9 $1,097.95 $956.05 $141.90 $163,752.11
10 $1,097.95 $955.22 $142.73 $163,609.39
11 $1,097.95 $954.39 $143.56 $163,465.82
12 $1,097.95 $953.55 $144.40 $163,321.42
13 $1,097.95 $952.71 $145.24 $163,176.18
14 $1,097.95 $951.86 $146.09 $163,030.09
15 $1,097.95 $951.01 $146.94 $162,883.15
16 $1,097.95 $950.15 $147.80 $162,735.35
17 $1,097.95 $949.29 $148.66 $162,586.69
18 $1,097.95 $948.42 $149.53 $162,437.17
19 $1,097.95 $947.55 $150.40 $162,286.77
20 $1,097.95 $946.67 $151.28 $162,135.49
21 $1,097.95 $945.79 $152.16 $161,983.33
22 $1,097.95 $944.90 $153.05 $161,830.28
23 $1,097.95 $944.01 $153.94 $161,676.34
24 $1,097.95 $943.11 $154.84 $161,521.50
25 $1,097.95 $942.21 $155.74 $161,365.76
26 $1,097.95 $941.30 $156.65 $161,209.11
27 $1,097.95 $940.39 $157.56 $161,051.55
28 $1,097.95 $939.47 $158.48 $160,893.07
29 $1,097.95 $938.54 $159.41 $160,733.66
30 $1,097.95 $937.61 $160.34 $160,573.32
31 $1,097.95 $936.68 $161.27 $160,412.05
32 $1,097.95 $935.74 $162.21 $160,249.84
33 $1,097.95 $934.79 $163.16 $160,086.68
34 $1,097.95 $933.84 $164.11 $159,922.57
35 $1,097.95 $932.88 $165.07 $159,757.50
36 $1,097.95 $931.92 $166.03 $159,591.47
37 $1,097.95 $930.95 $167.00 $159,424.47
38 $1,097.95 $929.98 $167.97 $159,256.49
39 $1,097.95 $929.00 $168.95 $159,087.54
40 $1,097.95 $928.01 $169.94 $158,917.60
41 $1,097.95 $927.02 $170.93 $158,746.67
42 $1,097.95 $926.02 $171.93 $158,574.74
43 $1,097.95 $925.02 $172.93 $158,401.81
44 $1,097.95 $924.01 $173.94 $158,227.87
45 $1,097.95 $923.00 $174.95 $158,052.92
46 $1,097.95 $921.98 $175.97 $157,876.94
47 $1,097.95 $920.95 $177.00 $157,699.94
48 $1,097.95 $919.92 $178.03 $157,521.91
49 $2,180.17 $918.88 $1,261.29 $156,260.62
50 $2,180.17 $911.52 $1,268.65 $154,991.97
51 $2,180.17 $904.12 $1,276.05 $153,715.92
52 $2,180.17 $896.68 $1,283.49 $152,432.42
53 $2,180.17 $889.19 $1,290.98 $151,141.44
54 $2,180.17 $881.66 $1,298.51 $149,842.93
55 $2,180.17 $874.08 $1,306.09 $148,536.84
56 $2,180.17 $866.46 $1,313.71 $147,223.14
57 $2,180.17 $858.80 $1,321.37 $145,901.77
58 $2,180.17 $851.09 $1,329.08 $144,572.69
59 $2,180.17 $843.34 $1,336.83 $143,235.87
60 $2,180.17 $835.54 $1,344.63 $141,891.24
61 $2,180.17 $827.70 $1,352.47 $140,538.77
62 $2,180.17 $819.81 $1,360.36 $139,178.41
63 $2,180.17 $811.87 $1,368.30 $137,810.11
64 $2,180.17 $803.89 $1,376.28 $136,433.83
65 $2,180.17 $795.86 $1,384.31 $135,049.53
66 $2,180.17 $787.79 $1,392.38 $133,657.15
67 $2,180.17 $779.67 $1,400.50 $132,256.64
68 $2,180.17 $771.50 $1,408.67 $130,847.97
69 $2,180.17 $763.28 $1,416.89 $129,431.08
70 $2,180.17 $755.01 $1,425.16 $128,005.92
71 $2,180.17 $746.70 $1,433.47 $126,572.45
72 $2,180.17 $738.34 $1,441.83 $125,130.62
73 $2,180.17 $729.93 $1,450.24 $123,680.38
74 $2,180.17 $721.47 $1,458.70 $122,221.68
75 $2,180.17 $712.96 $1,467.21 $120,754.47
76 $2,180.17 $704.40 $1,475.77 $119,278.70
77 $2,180.17 $695.79 $1,484.38 $117,794.33
78 $2,180.17 $687.13 $1,493.04 $116,301.29
79 $2,180.17 $678.42 $1,501.75 $114,799.54
80 $2,180.17 $669.66 $1,510.51 $113,289.04
81 $2,180.17 $660.85 $1,519.32 $111,769.72
82 $2,180.17 $651.99 $1,528.18 $110,241.54
83 $2,180.17 $643.08 $1,537.09 $108,704.45
84 $2,180.17 $634.11 $1,546.06 $107,158.38
85 $2,180.17 $625.09 $1,555.08 $105,603.31
86 $2,180.17 $616.02 $1,564.15 $104,039.15
 87 $2,180.17 $606.90 $1,573.27 $102,465.88
88 $2,180.17 $597.72 $1,582.45 $100,883.43
89 $2,180.17 $588.49 $1,591.68 $99,291.74
90 $2,180.17 $579.20 $1,600.97 $97,690.78
91 $2,180.17 $569.86 $1,610.31 $96,080.47
92 $2,180.17 $560.47 $1,619.70 $94,460.77
93 $2,180.17 $551.02 $1,629.15 $92,831.62
94 $2,180.17 $541.52 $1,638.65 $91,192.97
95 $2,180.17 $531.96 $1,648.21 $89,544.76
96 $2,180.17 $522.34 $1,657.83 $87,886.93
97 $2,180.17 $512.67 $1,667.50 $86,219.43
98 $2,180.17 $502.95 $1,677.22 $84,542.21
99 $2,180.17 $493.16 $1,687.01 $82,855.20
100 $2,180.17 $483.32 $1,696.85 $81,158.36
101 $2,180.17 $473.42 $1,706.75 $79,451.61
102 $2,180.17 $463.47 $1,716.70 $77,734.91
103 $2,180.17 $453.45 $1,726.72 $76,008.19
104 $2,180.17 $443.38 $1,736.79 $74,271.40
105 $2,180.17 $433.25 $1,746.92 $72,524.48
106 $2,180.17 $423.06 $1,757.11 $70,767.37
107 $2,180.17 $412.81 $1,767.36 $69,000.01
108 $2,180.17 $402.50 $1,777.67 $67,222.34
109 $2,180.17 $392.13 $1,788.04 $65,434.30
110 $2,180.17 $381.70 $1,798.47 $63,635.83
111 $2,180.17 $371.21 $1,808.96 $61,826.87
112 $2,180.17 $360.66 $1,819.51 $60,007.36
113 $2,180.17 $350.04 $1,830.13 $58,177.23
114 $2,180.17 $339.37 $1,840.80 $56,336.43
115 $2,180.17 $328.63 $1,851.54 $54,484.89
116 $2,180.17 $317.83 $1,862.34 $52,622.54
117 $2,180.17 $306.96 $1,873.21 $50,749.34
118 $2,180.17 $296.04 $1,884.13 $48,865.21
119 $2,180.17 $285.05 $1,895.12 $46,970.08
120 $2,180.17 $273.99 $1,906.18 $45,063.91
121 $2,180.17 $262.87 $1,917.30 $43,146.61
122 $2,180.17 $251.69 $1,928.48 $41,218.13
123 $2,180.17 $240.44 $1,939.73 $39,278.40
124 $2,180.17 $229.12 $1,951.05 $37,327.35
125 $2,180.17 $217.74 $1,962.43 $35,364.92
126 $2,180.17 $206.30 $1,973.87 $33,391.05
127 $2,180.17 $194.78 $1,985.39 $31,405.66
128 $2,180.17 $183.20 $1,996.97 $29,408.69
129 $2,180.17 $171.55 $2,008.62 $27,400.07
130 $2,180.17 $159.83 $2,020.34 $25,379.73
131 $2,180.17 $148.05 $2,032.12 $23,347.61
 132 $2,180.17 $136.19 $2,043.98 $21,303.64
133 $2,180.17 $124.27 $2,055.90 $19,247.74
134 $2,180.17 $112.28 $2,067.89 $17,179.85
135 $2,180.17 $100.22 $2,079.95 $15,099.89
136 $2,180.17 $88.08 $2,092.09 $13,007.81
137 $2,180.17 $75.88 $2,104.29 $10,903.51
138 $2,180.17 $63.60 $2,116.57 $8,786.95
139 $2,180.17 $51.26 $2,128.91 $6,658.04
140 $2,180.17 $38.84 $2,141.33 $4,516.70
141 $2,180.17 $26.35 $2,153.82 $2,362.88
142 $2,180.17 $13.78 $2,166.39 $196.49

11.8 years
No Debt left. Money goes into an investment at 10.0%

Debt Rate Principal # of Pmts $ / mth Real Debt

Credit Card #3 12.0% $840.00 12 $74.63 $895.56
Credit Card #1 12.0% $1,500.00 24 $70.61 $1,694.64
Credit Card #2 18.0% $3,500.00 36 $126.53 $4,555.08
Furniture Loan 10.0% $5,500.00 48 $139.49 $6,695.52
Home Equity Loan 11.0% $9,000.00 84 $154.10 $12,944.40
Car Loan 9.0% $22,500.00 60 $467.06 $28,023.60
Mortgage 7.0% $165,000.00 360 $1,097.75 $395,190.00

Total Debt $207,840.00 $2,130.17 $449,998.80

Monthly Income Needed??? $6,086.20

Annual Income Needed??? $73,034.40
More interest
than payment
Totals
 After 142 mths payment of $2,180.17 goes into an investment until month 360.

10.0% $0.00
Month Payment Interest Ttl Investment Ending Balance
143 $2,180.17 $0.00 $2,180.17 $2,180.17
144 $2,180.17 $18.17 $2,198.34 $4,378.51
145 $2,180.17 $36.49 $2,216.66 $6,595.17
146 $2,180.17 $54.96 $2,235.13 $8,830.30
147 $2,180.17 $73.59 $2,253.76 $11,084.05
148 $2,180.17 $92.37 $2,272.54 $13,356.59
149 $2,180.17 $111.30 $2,291.47 $15,648.06
150 $2,180.17 $130.40 $2,310.57 $17,958.63
151 $2,180.17 $149.66 $2,329.83 $20,288.46
152 $2,180.17 $169.07 $2,349.24 $22,637.70
153 $2,180.17 $188.65 $2,368.82 $25,006.52
154 $2,180.17 $208.39 $2,388.56 $27,395.07
155 $2,180.17 $228.29 $2,408.46 $29,803.54
156 $2,180.17 $248.36 $2,428.53 $32,232.07
157 $2,180.17 $268.60 $2,448.77 $34,680.84
158 $2,180.17 $289.01 $2,469.18 $37,150.02
159 $2,180.17 $309.58 $2,489.75 $39,639.77
160 $2,180.17 $330.33 $2,510.50 $42,150.27
161 $2,180.17 $351.25 $2,531.42 $44,681.69
162 $2,180.17 $372.35 $2,552.52 $47,234.21
163 $2,180.17 $393.62 $2,573.79 $49,808.00
164 $2,180.17 $415.07 $2,595.24 $52,403.24
165 $2,180.17 $436.69 $2,616.86 $55,020.10
166 $2,180.17 $458.50 $2,638.67 $57,658.77
167 $2,180.17 $480.49 $2,660.66 $60,319.43
168 $2,180.17 $502.66 $2,682.83 $63,002.26
169 $2,180.17 $525.02 $2,705.19 $65,707.45
170 $2,180.17 $547.56 $2,727.73 $68,435.18
171 $2,180.17 $570.29 $2,750.46 $71,185.65
172 $2,180.17 $593.21 $2,773.38 $73,959.03
173 $2,180.17 $616.33 $2,796.50 $76,755.53
174 $2,180.17 $639.63 $2,819.80 $79,575.33
175 $2,180.17 $663.13 $2,843.30 $82,418.62
176 $2,180.17 $686.82 $2,866.99 $85,285.62
177 $2,180.17 $710.71 $2,890.88 $88,176.50
178 $2,180.17 $734.80 $2,914.97 $91,091.47
179 $2,180.17 $759.10 $2,939.27 $94,030.74
180 $2,180.17 $783.59 $2,963.76 $96,994.50
181 $2,180.17 $808.29 $2,988.46 $99,982.96
182 $2,180.17 $833.19 $3,013.36 $102,996.32
183 $2,180.17 $858.30 $3,038.47 $106,034.79
184 $2,180.17 $883.62 $3,063.79 $109,098.58
185 $2,180.17 $909.15 $3,089.32 $112,187.91
186 $2,180.17 $934.90 $3,115.07 $115,302.98
187 $2,180.17 $960.86 $3,141.03 $118,444.00
188 $2,180.17 $987.03 $3,167.20 $121,611.21
189 $2,180.17 $1,013.43 $3,193.60 $124,804.80
190 $2,180.17 $1,040.04 $3,220.21 $128,025.02
191 $2,180.17 $1,066.88 $3,247.05 $131,272.06
192 $2,180.17 $1,093.93 $3,274.10 $134,546.16
193 $2,180.17 $1,121.22 $3,301.39 $137,847.55
194 $2,180.17 $1,148.73 $3,328.90 $141,176.45
195 $2,180.17 $1,176.47 $3,356.64 $144,533.09
196 $2,180.17 $1,204.44 $3,384.61 $147,917.70
197 $2,180.17 $1,232.65 $3,412.82 $151,330.52
198 $2,180.17 $1,261.09 $3,441.26 $154,771.78
199 $2,180.17 $1,289.76 $3,469.93 $158,241.71
200 $2,180.17 $1,318.68 $3,498.85 $161,740.57
201 $2,180.17 $1,347.84 $3,528.01 $165,268.57
202 $2,180.17 $1,377.24 $3,557.41 $168,825.98
203 $2,180.17 $1,406.88 $3,587.05 $172,413.03
204 $2,180.17 $1,436.78 $3,616.95 $176,029.98
205 $2,180.17 $1,466.92 $3,647.09 $179,677.07
206 $2,180.17 $1,497.31 $3,677.48 $183,354.55
207 $2,180.17 $1,527.95 $3,708.12 $187,062.67
208 $2,180.17 $1,558.86 $3,739.03 $190,801.70
209 $2,180.17 $1,590.01 $3,770.18 $194,571.88
210 $2,180.17 $1,621.43 $3,801.60 $198,373.48
211 $2,180.17 $1,653.11 $3,833.28 $202,206.76
212 $2,180.17 $1,685.06 $3,865.23 $206,071.99
213 $2,180.17 $1,717.27 $3,897.44 $209,969.43
214 $2,180.17 $1,749.75 $3,929.92 $213,899.34
215 $2,180.17 $1,782.49 $3,962.66 $217,862.01
216 $2,180.17 $1,815.52 $3,995.69 $221,857.69
217 $2,180.17 $1,848.81 $4,028.98 $225,886.68
218 $2,180.17 $1,882.39 $4,062.56 $229,949.24
219 $2,180.17 $1,916.24 $4,096.41 $234,045.65
220 $2,180.17 $1,950.38 $4,130.55 $238,176.20
221 $2,180.17 $1,984.80 $4,164.97 $242,341.17
222 $2,180.17 $2,019.51 $4,199.68 $246,540.85
223 $2,180.17 $2,054.51 $4,234.68 $250,775.53
224 $2,180.17 $2,089.80 $4,269.97 $255,045.50
225 $2,180.17 $2,125.38 $4,305.55 $259,351.04
226 $2,180.17 $2,161.26 $4,341.43 $263,692.47
227 $2,180.17 $2,197.44 $4,377.61 $268,070.08
228 $2,180.17 $2,233.92 $4,414.09 $272,484.17
229 $2,180.17 $2,270.70 $4,450.87 $276,935.04
230 $2,180.17 $2,307.79 $4,487.96 $281,423.00
231 $2,180.17 $2,345.19 $4,525.36 $285,948.36
232 $2,180.17 $2,382.90 $4,563.07 $290,511.44
233 $2,180.17 $2,420.93 $4,601.10 $295,112.53
234 $2,180.17 $2,459.27 $4,639.44 $299,751.98
235 $2,180.17 $2,497.93 $4,678.10 $304,430.08
236 $2,180.17 $2,536.92 $4,717.09 $309,147.17
237 $2,180.17 $2,576.23 $4,756.40 $313,903.56
238 $2,180.17 $2,615.86 $4,796.03 $318,699.60
239 $2,180.17 $2,655.83 $4,836.00 $323,535.60
240 $2,180.17 $2,696.13 $4,876.30 $328,411.90
241 $2,180.17 $2,736.77 $4,916.94 $333,328.83
242 $2,180.17 $2,777.74 $4,957.91 $338,286.74
243 $2,180.17 $2,819.06 $4,999.23 $343,285.97
244 $2,180.17 $2,860.72 $5,040.89 $348,326.85
245 $2,180.17 $2,902.72 $5,082.89 $353,409.75
246 $2,180.17 $2,945.08 $5,125.25 $358,535.00
247 $2,180.17 $2,987.79 $5,167.96 $363,702.96
248 $2,180.17 $3,030.86 $5,211.03 $368,913.99
249 $2,180.17 $3,074.28 $5,254.45 $374,168.44
250 $2,180.17 $3,118.07 $5,298.24 $379,466.68
251 $2,180.17 $3,162.22 $5,342.39 $384,809.08
252 $2,180.17 $3,206.74 $5,386.91 $390,195.99
253 $2,180.17 $3,251.63 $5,431.80 $395,627.79
254 $2,180.17 $3,296.90 $5,477.07 $401,104.86
255 $2,180.17 $3,342.54 $5,522.71 $406,627.57
256 $2,180.17 $3,388.56 $5,568.73 $412,196.30
257 $2,180.17 $3,434.97 $5,615.14 $417,811.44
258 $2,180.17 $3,481.76 $5,661.93 $423,473.37
259 $2,180.17 $3,528.94 $5,709.11 $429,182.49
260 $2,180.17 $3,576.52 $5,756.69 $434,939.18
261 $2,180.17 $3,624.49 $5,804.66 $440,743.84
262 $2,180.17 $3,672.87 $5,853.04 $446,596.88
263 $2,180.17 $3,721.64 $5,901.81 $452,498.69
264 $2,180.17 $3,770.82 $5,950.99 $458,449.68
265 $2,180.17 $3,820.41 $6,000.58 $464,450.26
266 $2,180.17 $3,870.42 $6,050.59 $470,500.85
267 $2,180.17 $3,920.84 $6,101.01 $476,601.86
268 $2,180.17 $3,971.68 $6,151.85 $482,753.72
269 $2,180.17 $4,022.95 $6,203.12 $488,956.83
270 $2,180.17 $4,074.64 $6,254.81 $495,211.64
271 $2,180.17 $4,126.76 $6,306.93 $501,518.58
272 $2,180.17 $4,179.32 $6,359.49 $507,878.07
273 $2,180.17 $4,232.32 $6,412.49 $514,290.56
274 $2,180.17 $4,285.75 $6,465.92 $520,756.48
275 $2,180.17 $4,339.64 $6,519.81 $527,276.29
276 $2,180.17 $4,393.97 $6,574.14 $533,850.43
277 $2,180.17 $4,448.75 $6,628.92 $540,479.35
278 $2,180.17 $4,503.99 $6,684.16 $547,163.52
279 $2,180.17 $4,559.70 $6,739.87 $553,903.38
280 $2,180.17 $4,615.86 $6,796.03 $560,699.41
281 $2,180.17 $4,672.50 $6,852.67 $567,552.08
282 $2,180.17 $4,729.60 $6,909.77 $574,461.85
283 $2,180.17 $4,787.18 $6,967.35 $581,429.20
284 $2,180.17 $4,845.24 $7,025.41 $588,454.61
285 $2,180.17 $4,903.79 $7,083.96 $595,538.57
286 $2,180.17 $4,962.82 $7,142.99 $602,681.56
287 $2,180.17 $5,022.35 $7,202.52 $609,884.08
288 $2,180.17 $5,082.37 $7,262.54 $617,146.62
289 $2,180.17 $5,142.89 $7,323.06 $624,469.68
290 $2,180.17 $5,203.91 $7,384.08 $631,853.76
291 $2,180.17 $5,265.45 $7,445.62 $639,299.38
292 $2,180.17 $5,327.49 $7,507.66 $646,807.04
293 $2,180.17 $5,390.06 $7,570.23 $654,377.27
294 $2,180.17 $5,453.14 $7,633.31 $662,010.59
295 $2,180.17 $5,516.75 $7,696.92 $669,707.51
296 $2,180.17 $5,580.90 $7,761.07 $677,468.58
297 $2,180.17 $5,645.57 $7,825.74 $685,294.32
298 $2,180.17 $5,710.79 $7,890.96 $693,185.27
299 $2,180.17 $5,776.54 $7,956.71 $701,141.99
300 $2,180.17 $5,842.85 $8,023.02 $709,165.01
301 $2,180.17 $5,909.71 $8,089.88 $717,254.89
302 $2,180.17 $5,977.12 $8,157.29 $725,412.18
303 $2,180.17 $6,045.10 $8,225.27 $733,637.45
304 $2,180.17 $6,113.65 $8,293.82 $741,931.27
305 $2,180.17 $6,182.76 $8,362.93 $750,294.20
306 $2,180.17 $6,252.45 $8,432.62 $758,726.82
307 $2,180.17 $6,322.72 $8,502.89 $767,229.71
308 $2,180.17 $6,393.58 $8,573.75 $775,803.46
309 $2,180.17 $6,465.03 $8,645.20 $784,448.66
310 $2,180.17 $6,537.07 $8,717.24 $793,165.91
311 $2,180.17 $6,609.72 $8,789.89 $801,955.79
312 $2,180.17 $6,682.96 $8,863.13 $810,818.93
313 $2,180.17 $6,756.82 $8,936.99 $819,755.92
314 $2,180.17 $6,831.30 $9,011.47 $828,767.39
315 $2,180.17 $6,906.39 $9,086.56 $837,853.95
316 $2,180.17 $6,982.12 $9,162.29 $847,016.24
317 $2,180.17 $7,058.47 $9,238.64 $856,254.88
318 $2,180.17 $7,135.46 $9,315.63 $865,570.51
319 $2,180.17 $7,213.09 $9,393.26 $874,963.76
320 $2,180.17 $7,291.36 $9,471.53 $884,435.30
321 $2,180.17 $7,370.29 $9,550.46 $893,985.76
322 $2,180.17 $7,449.88 $9,630.05 $903,615.81
323 $2,180.17 $7,530.13 $9,710.30 $913,326.12
324 $2,180.17 $7,611.05 $9,791.22 $923,117.34
325 $2,180.17 $7,692.64 $9,872.81 $932,990.15
326 $2,180.17 $7,774.92 $9,955.09 $942,945.24
327 $2,180.17 $7,857.88 $10,038.05 $952,983.29
328 $2,180.17 $7,941.53 $10,121.70 $963,104.98
329 $2,180.17 $8,025.87 $10,206.04 $973,311.03
330 $2,180.17 $8,110.93 $10,291.10 $983,602.12
331 $2,180.17 $8,196.68 $10,376.85 $993,978.98
332 $2,180.17 $8,283.16 $10,463.33 $1,004,442.31
333 $2,180.17 $8,370.35 $10,550.52 $1,014,992.83
334 $2,180.17 $8,458.27 $10,638.44 $1,025,631.27
335 $2,180.17 $8,546.93 $10,727.10 $1,036,358.37
336 $2,180.17 $8,636.32 $10,816.49 $1,047,174.86
337 $2,180.17 $8,726.46 $10,906.63 $1,058,081.49
338 $2,180.17 $8,817.35 $10,997.52 $1,069,079.00
339 $2,180.17 $8,908.99 $11,089.16 $1,080,168.16
340 $2,180.17 $9,001.40 $11,181.57 $1,091,349.74
341 $2,180.17 $9,094.58 $11,274.75 $1,102,624.49
342 $2,180.17 $9,188.54 $11,368.71 $1,113,993.19
343 $2,180.17 $9,283.28 $11,463.45 $1,125,456.64
344 $2,180.17 $9,378.81 $11,558.98 $1,137,015.62
345 $2,180.17 $9,475.13 $11,655.30 $1,148,670.92
346 $2,180.17 $9,572.26 $11,752.43 $1,160,423.34
347 $2,180.17 $9,670.19 $11,850.36 $1,172,273.71
348 $2,180.17 $9,768.95 $11,949.12 $1,184,222.83
349 $2,180.17 $9,868.52 $12,048.69 $1,196,271.52
350 $2,180.17 $9,968.93 $12,149.10 $1,208,420.62
351 $2,180.17 $10,070.17 $12,250.34 $1,220,670.96
352 $2,180.17 $10,172.26 $12,352.43 $1,233,023.39
353 $2,180.17 $10,275.19 $12,455.36 $1,245,478.75
354 $2,180.17 $10,378.99 $12,559.16 $1,258,037.91
355 $2,180.17 $10,483.65 $12,663.82 $1,270,701.73
356 $2,180.17 $10,589.18 $12,769.35 $1,283,471.08
357 $2,180.17 $10,695.59 $12,875.76 $1,296,346.85
358 $2,180.17 $10,802.89 $12,983.06 $1,309,329.91
359 $2,180.17 $10,911.08 $13,091.25 $1,322,421.16
360 $2,180.17 $11,020.18 $13,200.35 $1,335,621.51

$475,277.06
ment until month 360.