![]() ![]() This means that the templates are likely to be well-organized, easy to understand, and aesthetically pleasing, which can make working with them more efficient and enjoyable.Īnother advantage is that these templates are often fully editable, allowing users to customize them to meet the specific needs of their organization or project. One advantage of using professional Excel templates is that they are often designed by experienced professionals who understand best practices for data management and visualization. ![]() These templates can provide a pre-designed and pre-formatted framework for storing and organizing data, as well as for creating charts, graphs, and other visualizations to help communicate that data more effectively. Save and share: Once you’ve finished working on the template, save it to your computer and share it with other members of your team or stakeholders as needed.įree editable professional Excel templates can be a useful tool for businesses, organizations, and individuals looking to streamline their data management and reporting processes. Use the various tools and features of Excel to analyze and visualize your data, and make informed business decisions. Use the Excel template: Once you’ve fed in your data and customized the template, you’re ready to start using it for data analysis. For example, you can change the formatting, add or remove columns, or create new charts and graphs. To start analyzing your own data, simply replace the sample data with your actual data.Ĭustomize the template: Our templates are completely editable, which means you can customize them to fit your specific needs. You’ll see that it is already set up with sample data. Replace sample data with your actual data: Once the template is downloaded, open it in Excel. Once you’ve found the template you want, click on the download button. Here’s how to download and use one of our templates:ĭownload this free Excel Template: Once you’ve browsed through our collection of templates and find the one that best fits your needs. Our easy to use editable Excel templates and save your significant amount of time and effort. The point of the line of credit is to maintain liquidity while making extra payments, not to get into more debt. Note: This spreadsheet has nothing to do with debt consolidation. In this scenario, a person makes a principal-only payment on the mortgage using the line of credit, then uses their free cash flow to pay off the line of credit balance, then repeats this process until the mortgage is paid off. Scenario 3: Using a Line of Credit with optional Paycheck Parking This scenario does not use a line of credit. In this scenario, a person uses their free cash flow (income minus expenses) to make monthly extra principal payments on the mortgage. Scenario 2: Using Free Cash Flow to Make Extra Payments It represents a person making only the normal monthly payment each month. It compares 3 scenarios: Scenario 1: Traditional Mortgage Amortization with No Extra Payments This spreadsheet simulates the technique of using a Line of Credit to help accelerate the payoff of a mortgage, with optional paycheck parking. ![]()
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