What you get in this digital download package:
Spending Planner - $49.99 Value
- Detailed monthly planner for budgeting and review of all your income and expense categories
- Personalized spending plan report which factors in your family size and your age range to give you personalized feedback on the key aspects of your finances:
- Your income score compared to the Canadian average
- Analysis of your incoming money compared to your outgoing money
- Your spending allocations by category in both dollar amounts and percentages
- Your spending allocations by category compared to the average Canadian family by both dollar amount and percentages
- Calculation of your overhead ratio, and comparison to the target ratio
- Your spending allocated to the categories of needs/wants/debt/savings
- Your recommended spending allocations to the categories of needs/wants/debt/savings.
Home Affordability Guide - $9.99 Value
- Calculator that uses your income, debt payments, mortgage interest rate, and down-payment amount to calculate the following:
- Maximum home price you can afford
- Maximum mortgage amount you should consider
- Maximum mortgage payment you should consider
How much debt is too much? - $9.99 Value
- Advice on how to judge a safe level of debt for you based on your income
- Learn about the best measure to evaluate your debt level, the debt service ratio, and how to calculate it
- Calculator to easily calculate your debt service ratio so you can evaluate your debt level
How much will my debt payment change from an interest rate change? - $9.99 Value
- Learn about how interest rate changes can impact your debt payments
- Calculator to estimate the change in your debt payment based on your interest rate change
Financial goals - $9.99 Value
- Worksheet to help you set detailed financial goals to encourage the right behaviour and move you towards your desired future self.
Sinking funds Worksheet - $9.99 Value
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Sinking funds are the best way to manage your large infrequent expenses so they don’t sink your budget when they hit.
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Use this worksheet to prepare a visual report of up to 4 sinking funds. The report shows the total fund, calculates the monthly contributions needed, as well as the running balance of the fund each month. This visual report will give you motivation and help you manage your big expenses so you can pay with cash, be richer, and feel like a Rockstar!
Life Chart - $9.99 Value
- A life chart is an excellent way to visualize your life both past and future. A great quote about our life experience comes from the movie The Natural – “I believe we live two lives. The life we learn with, and the life we live after that.”
- Seeing your important life events on a chart will help remind you of what you have learned and help motivate you to get going and accomplish your goals in the future.
- A good life has 29,200 days. Make each one count and live with fewer regrets.
TOTAL PACKAGE VALUE: $109.95
YOU SAVE: $19.94
NOTE: All the files in the bundle come in a zip file. For instructions on how to extract the files please go to Microsoft Zip File Extraction Information. Once extracted all of the files in this package are Microsoft Excel files. You will need Excel installed on your computer to use this file. We will be offering Google Sheets as an option in the near future.
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