Spreadsheet: 138749d1327878807-categorize-or-sum-multiple-same-text-entires-into-one-along-with-associated-dollar-example-monthly-expenses-tracking-3
Sheet: October Balance Sheet

 | Creditor | Current Balance Due | Minimum Monthly Payment | Adjusted Monthly Payment | Interest Rate | Payoff in Months | Payoff in Years | Payoff in Years | Adjusted Payoff Months | Months Saved
31st | USBank Flex Perks Visa | 20224.65 | 339 | 500 | 0.0715 | 74.44 | 6.203333333333333 | 6.2 | 46.92 | 27.52
13th | USBank  Visa | 17557.7 | 481 | 500 | 0.2124 | 59.7 | 4.975000000000001 | 5 | 55.88 | 3.82
11th | Van Loan | 13637.78 | 336.57 | 336.57 | 0.1299 | 54.12 | 4.51 | 4.5 | 54.12 | 0
7th | Chase Visa | 7492.8 | 192 | 250 | 0.2224 | 70.46 | 5.871666666666666 | 5.9 | 44.65 | 25.81
20th | Discover | 5672.93 | 112 | 125 | 0.1799 | 96.22 | 8.018333333333333 | 8 | 77.15 | 19.06999999999999
4th | Sears | 1086.29 | 70.03 | 600 | 0.2524 | 19.47 | 1.6225 | 1.6 | 2.37 | 17.1
30th | Wings LOC | 2727.23 | 75 | 75 | 0.109 | 44.84 | 3.736666666666667 | 3.7 | 44.84 | 0
20th | American Express | 1676.93 | 35 | 45 | 0.1725 | 82.27 | 6.855833333333333 | 6.9 | 54.25 | 28.02
7th | Car Loan | 3400 | 200 | 200 | 0 | 17.5 | 1.458333333333333 | 1.5 | 17.5 | 0
 | Total Debt | 73476.31 | 1840.6 | 2631.57
 |  |  |  |  | Date | Miscellaneous Monthly Expenditures |  |  |  | Total
 |  |  |  |  | 2011-10-01 00:00:00 | Groceries (Aldi) |  |  |  | 53.28
7th | House Rent |  | 950 | 950 | 2011-10-02 00:00:00 | Gas (Taurus) |  |  |  | 50
14th | Disablitly & Life Insurance |  | 207 | 207 | 2011-10-03 00:00:00 | Gas (Van) |  |  |  | 55
7th | Car Insurance |  | 190.96 | 190.96 | 2011-10-03 00:00:00 | Doctor [NAME] |  |  |  | 25
21st | Renters Insurance |  | 21 | 21 | 2011-10-04 00:00:00 | Groceries (Aldi) |  |  |  | 45.67
2nd | Verizon |  | 118.4 | 118.4 | 2011-10-06 00:00:00 | Groceries (Target) |  |  |  | 68.62
16th | Integra |  | 178 | 178 | 2011-10-06 00:00:00 | Winter Gloves (Target) |  |  |  | 35.45
1st | Garbage |  | 128.13 | 128.13 | 2011-10-07 00:00:00 | Medicine (Target) |  |  |  | 4
19th | Minnesota Gas |  | 25.18 | 25.18 | 2011-10-07 00:00:00 | Health/Home/Beauty (Target) |  |  |  | 18.71
8th | School Lunch |  | 75 | 75 | 2011-10-08 00:00:00 | Gas (Van) |  |  |  | 50 |  | Estimated Monthly |  | Actual
23rd | Dakota Electric |  | 218.27 | 218.27 | 2011-10-07 00:00:00 | Board for garage |  |  |  | 27.86 |  | Gas | 513.66 | 473.8199999999999
 |  |  | 2111.940000000001 | 2111.940000000001 | 2011-10-09 00:00:00 | Groceries (Target) |  |  |  | 68.68 |  | Food | 955.3800000000001 | 905.2600000000001
 |  |  |  |  | 2011-10-09 00:00:00 | Health/Home/Beauty (Target) |  |  |  | 50.89 |  | etc | 1178.02 | 961.0099999999999
 | Total Monthly Payout |  | 4743.51 |  | 2011-10-12 00:00:00 | Gas (Van) |  |  |  | 50.02 |  |  | 2647.06 | 2340.09
 | Phil & Lisa Income |  | 6661.62 |  | 2011-10-12 00:00:00 | Lakeville Floral |  |  |  | 23.51
 |  |  |  |  | 2011-10-13 00:00:00 | Health/Home/Beauty (CVS) |  |  |  | 16.32
 | Remaining |  | 1918.11 |  | 2011-10-13 00:00:00 | Health/Home/Beauty (Target) |  |  |  | 44.31
 |  |  |  |  | 2011-10-13 00:00:00 | Groceries (Aldi) |  |  |  | 97.05
 | Gas/Grocery/etc. |  | 2340.09 |  | 2011-10-14 00:00:00 | Health/Home/Beauty (Marshalls) - Cologne |  |  |  | 26.76
 |  |  |  |  | 2011-10-14 00:00:00 | Health/Home/Beauty (JcPenney) |  |  |  | 45
 | Remaining |  | -421.98 |  | 2011-10-15 00:00:00 | Groceries (Aldi) |  |  |  | 126.16
 |  |  |  |  | 2011-10-17 00:00:00 | Gas (Van) |  |  |  | 35
 |  |  |  |  | 2011-10-18 00:00:00 | Gas (Taurus) |  |  |  | 50
 |  |  |  |  | 2011-10-19 00:00:00 | Gas (Kia) |  |  |  | 20.02
 |  |  |  |  | 2011-10-20 00:00:00 | Groceries (Target) |  |  |  | 96.28
 |  |  |  |  | 2011-10-20 00:00:00 | Health/Home/Beauty (Target) |  |  |  | 66
 |  |  |  |  | 2011-10-20 00:00:00 | Cash |  |  |  | 62.25
 |  |  |  |  | 2011-10-20 00:00:00 | Apple Valley Ford (Repair Steering Pump) |  |  |  | 100
 |  |  |  |  | 2011-10-21 00:00:00 | Dining Out ([NAME]'s) |  |  |  | 62.84
 |  |  |  |  | 2011-10-23 00:00:00 | Groceries (Aldi) |  |  |  | 160.27
 |  |  |  |  | 2011-10-23 00:00:00 | Health/Home/Beauty (Target) |  |  |  | 58.33
 |  |  |  |  | 2011-10-24 00:00:00 | Groceries (Target) |  |  |  | 16.44
 |  |  |  |  | 2011-10-25 00:00:00 | Gas (Taurus) |  |  |  | 50
 |  |  |  |  | 2011-10-25 00:00:00 | Health/Home/Beauty (Salvation Army) |  |  |  | 33.03
 |  |  |  |  | 2011-10-26 00:00:00 | Gas (Van) |  |  |  | 50.01
 |  |  |  |  | 2011-10-26 00:00:00 | Health/Home/Beauty (Mills Fleet Farm) |  |  |  | 16.38
 |  |  |  |  | 2011-10-27 00:00:00 | Health/Home/Beauty (Dollar Tree Store) |  |  |  | 25.64
 |  |  |  |  | 2011-10-27 00:00:00 | Groceries (Rainbow) |  |  |  | 44.34
 |  |  |  |  | 2011-10-29 00:00:00 | Haircut (ShearMadness) |  |  |  | 15
 |  |  |  |  | 2011-10-29 00:00:00 | Health/Home/Beauty (Gersters Jewelers - Johanna) |  |  |  | 40
 |  |  |  |  | 2011-10-29 00:00:00 | Health/Home/Beauty (LifeWay Bookstore - Kami) |  |  |  | 13.35
 |  |  |  |  | 2011-10-29 00:00:00 | Health/Home/Beauty (Indigo Tea Company - Ryan) |  |  |  | 39.63
 |  |  |  |  | 2011-10-29 00:00:00 | Groceries (Aldi) |  |  |  | 128.47
 |  |  |  |  | 2011-10-29 00:00:00 | Gas (Home Use) |  |  |  | 63.77
 |  |  |  |  | 2011-10-29 00:00:00 | Health/Home/Beauty (Mills Fleet Farm) |  |  |  | 77.32
 |  |  |  |  | 2011-10-30 00:00:00 | Health/Home/Beauty (Gas Card - Johanna) |  |  |  | 25
 |  |  |  |  | 2011-10-31 00:00:00 | Health/Home/Beauty (Dollar Tree Store) |  |  |  | 8.43
 |  |  |  |  |  |  |  |  | Actual Total: | 2340.09