Learn to turn your financial dreams into reality
The world of personal finance is flooded with beautiful and sometimes (often) complex worksheets – which assume a certain level of expertise in using Microsoft Excel or its equals. This creates a lot of room for error for those less experienced with these kinds of programs and with that a serious bias in who has appropriate access to these ((un)necessary) tools. This is why, instead of creating just another version of the same complicated worksheets – I provide easy-to-use worksheets with limited access to prevent unnecessary (mistaken) modifications.
With this being said, hoping that every worksheet can be used without much explanation, I do feel the need to provide access to some sort of manual for each of my worksheets for those still uncomfortable with using them. If after all this, you still have questions or missing something – reach out! info@financialphilosophies.com.
Last side note: I avoid the use of currency, to make any sheet applicable to your local situation – this does mean that you should try to avoid mixing different currencies into one worksheet though! I would love to think Rp 15,000 is the same as € 15,000 – but sadly this is not the case!
Compatibility note: All documents are made on Microsoft Office 2016 or higher, backwards compatibility will be limited and some functionality might be lost. Compatibility outside the Office environment might also be limited.
While it might be a discussion on whether or not it is better to buy than rent, it is good to know the numbers associated with your situation to make an informed decision. With that in mind I made a mortgage calculator, or actually two – an international version for people around the world, and a version that uses all the relevant legal limits for the Netherlands, to give an indication of your options.
Many people are curious on when they can retire with their current saving habits. With this worksheet, I try to provide flexibility for personal situations as well as proper visual aids.
It is good to know the numbers associated with your mortgage to make an informed decision.
For this reason, I build a calculator to create your own personal (adaptive) amortization schedule. Have a look below.
Life passes us by, and before we notice we are in the middle of our career – wondering where the time went and how much time we still have left to make up for mistakes made in the past. To illustrate this, the concept of a Life Calendar was created that I wanted share to my readers, to show that we get a fresh box every week.
In order for your net worth to grow – it is important to follow your spending habits month by month in order to stimulate a change in your spending habits. For this, I created a money tracker where you can track your income and expenses month by month.
There are several ways that the financial guru’s use to say your net worth should be. To help facilitate your net worth health check, I created a worksheet to help you visualize where you are in your financial journey.
Net worth – the all-important number in the world of personal finance. To help facilitate the calculation of your net worth, I created this worksheet that has options to fill in your assets and liabilities to calculate your total net worth automatically. So let me go through the worksheet to have a look at what you can fill out.