Debt Snowball Spreadsheet | Instant Download | Excel AND Google Sheets

[@5481c]

I can not thank you enough for your videos. Your budgeting spreadsheet has been a lifesaver for my family. Keep up the great work!

[@whyworksmarternotharder]

That makes my day! Glad it’s working for you!

[@libbysworld7649]

Hey there! Great video per usual! Your Google Sheets Budget from a couple of years ago changed my life! I am a budgeting pro because of you! Thank you.

[@whyworksmarternotharder]

I love your comments! Thank you!

[@johnfrancis5723]

Thanks for making this ! Is there a way to integrate this with the running budget excel template you made?

[@OGChadney]

So excited for this! Just purchased your debt snowball and google sheet extended templates!!

[@DrMedicTM]

Hey again Andrew! I'm not sure if it was the little comment I left in your Google Sheets living Budget Sheet video or if you had planned it for a while but I was grateful to see this video come up. I purchased the sheet myself and am working to add all my outstanding debts so I can visualize and execute on paying them all down and be "free-er" faster. Thanks again for such helpful, productive and easy-to-use content!

[@whyworksmarternotharder]

Welcome! Glad it’s working!

[@hter6633]

I wish you had a video on how to make this. i love learning how to make these my self

[@KimberlyManzanilla-oe4hr]

Thank you for your template and tutorials but I need to add more rows for my list of debts. how can I do this with out messing up the formulas.

[@jeremiahd8681]

Hey there, I've been using your budget template and I'm loving it! Thank you for taking the time to make it. I've hit a bit of a snag and I hope you can help. While adding my expenses, I needed more columns so I just selected them and copied them downward. That worked until I hit 23 Expenses and now when I do it, nothing shows up on the running balance or the dashboard. Any help would be much appreciated!

[@JohnOBrien-no8bl]

hey andrew im sure youre a busy guy but im really desperate at this point for a debt avalanche spreadsheet that i can plug into the excel budget template series. its becoming increasingly frustrating trying to keep track of expenses that arent coming out of a debit account. please release the template for purchase soon or create a video on how to create one and incorporate it into the excel budget template. thank you.

[@jwu2]

Hi, thank you so much for this. If i wanted to make more than a minimum payment for a specefic debt, - how would i enter it in without messing up formulas. Im making more payments than the minimum but theres not specefic amount. Its just depends on how much extra cash flow i have. Thanks

[@whyworksmarternotharder]

It’s built to pay off the smallest first. There is a spot at the bottom to add more money to the minimum payment

[@luxemillennial]

Hey Andrew! I can't thank you enough for your awesome tutorials :) I bought your spreadsheet. I am wondering if there are any bugs you're aware of and how to fix them. I seem to have an issue with the last tab payment schedule. My flow of payments from when a debt is fully paid to having the remainder tacked onto the next lowest debt is inaccurate. For example, instead of having a payment split between the two debts, it reflects a full payment toward both which ultimately overpays the smaller debt and creates a false narrative moving forward with the next highest debt. Please help!

[@suprboy46]

Will this same spreadsheet work with the avalanche method?

[@actionexpress6082]

There's query can i apply conditional formatting (color scale) to a cell on basis of value in other cell

[@vivianaflores5644]

Any idea on when the google spread sheet template will be available to purchase

[@whyworksmarternotharder]

worksmarterstore.etsy.com/listing/1356302238

[@Mr.Matt.Hutchinson]

How do you account for a promotional credit card interest rate that expires after a certain amount of time?

[@dirtynate007]

I purchased the Google sheets version. How can I add more rows without screwing up the formula?

[@whyworksmarternotharder]

I’ll reach out on Etsy

[@sylviarichmond4316]

I am having a problem with my calculations. I am using Excel and when I change the value in the amount extra I can pay, the number is going up and not down. Help please 😊

[@j.c.m5168]

Same exact problem I'm having on the Google version. I try to add more $$$$ to pay off faster and the date goes down, but total $$$$ goes UP, the total paid on each card goes UP, and some of them are asking me to pay 2-3 times the damn cars balance, 10 days AFTER I told the calculator the due date was. WASTE. OF. MONEY.

[@kbanghart]

​@@j.c.m5168ugh That's awful. Did you ever get resolution for this?

[@DavidC_96]

How can I add more rows for more Bill names? I have 26 in total.

[@khothatsodiphoko9577]

Very informative, but where can i get the document?

[@whyworksmarternotharder]

Link in description

[@David_Mash]

A debt avalanche sheet for multiple accounts monthly where you can efficiently use your monthly budget to lower total interest charges due based on all your accounts would be perfect

[@Ross-n1i]

Dave Ramsey has seen to it that Debt Avalanche has limited traction

[@timkappel2898]

Any idea on when the Excel template will be available to purchase?

[@whyworksmarternotharder]

Soon!

[@timkappel2898]

@@whyworksmarternotharder If I just download the Google Sheet, can I save it as an Excel sheet?

[@Llennap]

I am using this template but it seems the “Estimated payoff date” formula is wrong.. the math doesn’t add up 😅. Anyway to fix this?

[@Llennap]

Yea.. the equation is wrong for me. And file takes long to open. Oh well /:

[@kbanghart]

​@@Llennapwow, did you ever get resolution for this?

[@Llennap]

No, It didn’t work out for me. But I ended up making a new custom more simple spreadsheet myself.

[@kbanghart]

@@Llennap Sweet. Glad you were able to. I wonder if you wouldn't mind giving me a hint on what I should do? I get paid every week so I'm looking for one that will look at all my income and the dates I get paid, then look at all my bills per month and plot out where to pay them during the month (example.. I have $100, bill is $120, so then it automatically figures out how to spread that out). What do you think, wonder if I could try to do that formula or maybe just buy someone else's?

[@AzazelKills]

Question. Why is the google sheets version "sold out"?

[@whyworksmarternotharder]

It’s not anymore!

[@whyworksmarternotharder]

worksmarterstore.etsy.com/listing/1356302238

[@laurenradice3975]

what does the "toward principal" part on the 3rd tab mean?

[@LyndAnneCromar]

Please check and actually share your link for the google sheets I purchased but only got a pdf with instructions

[@whyworksmarternotharder]

The link is in the PDF along with the how to instructions

[@Own-Pass]

I like this channel. The name of the channel keeps throwing me off everytime I search for it. Instead of work smart not hard I always end up writing ‘ work smart not hard’ and down rabbit hole I go 😢😔. Thanks for the content though 😊

[@whyworksmarternotharder]

My motto in life! Thanks for the comment

[@elizabethd3038]

Just save the video so you’ll always have it. Work smarter, not harder!

[@Own-Pass]

@@elizabethd3038 imagine how many videos I can save in my lifetime to go back to this video over time. The brain should still be active. Besides it also helps to let the owner know how far off his channel comes up by name. Have a good day!

[@nancybrooks9495]

Where is this downloaded?

[@whyworksmarternotharder]

It’s a link in the email

[@edwardmerry]

I'm trying to open the excel file but Microsoft isn't liking the file. I had to unblock it in properties to open it. Now it's saying I should inspect the file because of hidden pages and macros. After running inspect file there are a few exclamation points showing I should maybe remove some hidden macros. I'm not an excel user other than basic spreadsheets. Is it safe to run this file? I downloaded it from etsy after purchase. It takes about 15 seconds to open it and my other files take about 5 seconds. Thank for your reply.

[@whyworksmarternotharder]

Hmm might be an old Excel version. I’ll reach out on Etsy

[@allendivine8725]

Hi can this be added to the budget smarter extended version. Or will it just be it's own sheet

[@Recovery12Life]

This doesnt take into account that the minimum payments from paid off debts will also be added to the snowball as they are paid off. Is that correct or am i missing something? If you add the minimum payments from your card car and student loans to your mortgage you should save way more

[@whyworksmarternotharder]

It does

[@cde5715]

The spreadsheet cant handle 0% interest. I found it hard to use and would not recommend

[@piyocooking]

I just download it from Etsy but my debt is longer than your chart how could I add rows with all formulas automatically come with it,

[@LindaChacanaca]

Where is the "Instant Download" for the Smarter Debt Snowball Spreadsheet? Thanks

[@ReneeThompson-mo4qj]

❤this how could I get a copy for free please.

[@DigitalTaylor]

Follow and support for more tips

[@deafoulger4947]

😆 'Promo SM'

[@ReneeThompson-mo4qj]

❤ this debt snowball spreadsheet I was I could get me this for free please