Presentation Transcript

1. Calvary

   Alexandre R. Almeida Chief Financial Officer Calvary Company
2. Skills Acquired: Format tables (e.g. Conditional Formatting) - Change #1: Transportation Produce: pie chart/bar chart (Slide 8) column chart (Slide 7) pivot table Import data Functions: =if(), =ifs() =Average(), =Averageif(), =Averageifs() =PMT(): Rate, Nper, PV =ABS (), =Sum() Referencing other worksheets (Recommendations)
3. Purpose Goals the Spenders asked me to address: Eliminating debt and balancing the budget Current overall situation - income vs. expenses Three solutions offered: a) Replacing their credit cards b) replacing their current automobile c) cutting other expenses
4. Change #1: Transportation Current car to a Prius
5. Change #2:Loans Engels Bank Card (36 months) Interest rate (yearly): 3% Balance transfer fee amount:$585.00 Total Cost of Credit: $1,513.93 Monthly Payment: $584.10 Greater MANAGEABLILITY!!! Avoid fines Avoid late fees Avoid interest increases Reduce other expenses in order to pay off debt (housing, food, pets, etc.)
6. Change #3: Communication Phone Recommendation: LG VX7700 Service: AT&T Cost of Phone:$80.00 Total Monthly Cost: $56.18 Total Monthly: $133.00 Proposed Total Monthly: $105.00 Total Yearly: $1,826.00 Proposed Total Yearly: $1,420.00
7. Recommendations Negative Income Balance Replace Credit Card Replace Auto-Mobile Replace Cell-Phone Reduce other EXPENSES Positive New Income Balance!