Spreadsheet: 138685d1327834139-calculate-total-sums-from-multiple-text-entries-example-monthly-expenses-tracking
Sheet: Sept. 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 | 20929.46 | 350 | 500 | 0.0715 | 74.65 | 6.220833333333334 | 6.2 | 48.79 | 25.86000000000001
13th | USBank  Visa | 17937.24 | 488 | 600 | 0.2124 | 60.43 | 5.035833333333334 | 5 | 43.43 | 17
11th | Van Loan | 13637.78 | 336.57 | 336.57 | 0.1299 | 54.12 | 4.51 | 4.5 | 54.12 | 0
7th | Chase Visa | 7625.67 | 195 | 250 | 0.2224 | 70.75 | 5.895833333333333 | 5.9 | 45.87 | 24.88
20th | Discover | 5713.4 | 114 | 125 | 0.1799 | 94.03 | 7.835833333333333 | 7.8 | 78.18 | 15.84999999999999
4th | Sears | 2245.27 | 70.59 | 70.59 | 0.2524 | 53.62 | 4.468333333333333 | 4.5 | 53.62 | 0
30th | Wings LOC | 2900 | 75 | 75 | 0.12 | 49.63 | 4.135833333333333 | 4.1 | 49.63 | 0
20th | American Express | 1711.57 | 34 | 34 | 0.1725 | 90.61 | 7.550833333333333 | 7.6 | 90.61 | 0
 | Total Debt | 72700.39 | 1663.16 | 1991.16
 |  |  |  |  | Date | Miscellaneous Monthly Expenditures |  |  |  | Total
7th | House Rent |  | 950 | 950 | 2011-09-01 00:00:00 | Cub - Groceries |  |  |  | 35.21
7th | Car Payment (Taurus) |  | 200 | 200 | 2011-09-01 00:00:00 | Cub - Cash |  |  |  | 20
14th | Disablitly & Life Insurance |  | 207 | 207 | 2011-09-01 00:00:00 | Gas (Van) |  |  |  | 75
7th | Car Insurance |  | 190.96 | 190.96 | 2011-09-01 00:00:00 | O'Reilly Auto - Brake Pads |  |  |  | 37.48
21st | Renters Insurance |  | 21 | 21 | 2011-09-01 00:00:00 | Cash ([NAME], Tire Rotate-$70) |  |  |  | 80
2nd | Verizon |  | 140 | 140 | 2011-09-02 00:00:00 | Target - Groceries |  |  |  | 87.07
16th | Integra |  | 178 | 80 | 2011-09-02 00:00:00 | Target - Home Items |  |  |  | 20.99
1st | Garbage |  | 25 | 25 | 2011-09-02 00:00:00 | Target - Health & Beauty |  |  |  | 33.88
19th | Minnesota Gas |  | 45 | 45 | 2011-09-02 00:00:00 | Target - Cash |  |  |  | 20
8th | School Lunch |  | 75 | 75 | 2011-09-03 00:00:00 | Cash - Wings (Ridgeland Fair) |  |  |  | 20 |  | Estimated Monthly |  | Actual
23rd | Electric |  | 250 | 250 | 2011-09-03 00:00:00 | Walmart - Groceries |  |  |  | 5.9 |  | Gas | 280 | 513.66
 |  |  | 2281.96 | 2183.96 | 2011-09-03 00:00:00 | Walmart - Other (School Supplies, Beer, [NAME]. |  |  |  | 68.48 |  | Food | 800 | 955.3800000000001
 |  |  |  |  | 2011-09-04 00:00:00 | Delta.com - Redeem Worldperk miles for [NAME] |  |  |  | 5 |  | etc | 750 | 1178.02
 | Total Monthly Payout |  | 4273.12 |  | 2011-09-05 00:00:00 | Target - Groceries |  |  |  | 3.96 |  |  | 1830 | 2647.06
 | Phil & Lisa Income |  | 6538 |  | 2011-09-05 00:00:00 | Target - Home Items |  |  |  | 37.49
 |  |  |  |  | 2011-09-06 00:00:00 | School Lunches - Ryan, Jon & Matt |  |  |  | 75
 | Remaining |  | 2264.88 |  | 2011-09-06 00:00:00 | Gas (Taurus) |  |  |  | 30
 |  |  |  |  | 2011-09-06 00:00:00 | Gas (Van) |  |  |  | 25
 | Gas/Grocery/etc. |  | 2647.059999999999 |  | 2011-09-06 00:00:00 | [NAME] (Lisa & Jo) |  |  |  | 9.19
 |  |  |  |  | 2011-09-08 00:00:00 | Target - Groceries |  |  |  | 120.22
 | Remaining |  | -382.1799999999994 |  | 2011-09-08 00:00:00 | Target - Matt's Shoes |  |  |  | 12.99
 |  |  |  |  | 2011-09-09 00:00:00 | [NAME] |  |  |  | 22
 |  |  |  |  | 2011-09-09 00:00:00 | Lakeville Liquor |  |  |  | 36.49
 |  |  |  |  | 2011-09-09 00:00:00 | Gas (Taurus) |  |  |  | 57
 |  |  |  |  | 2011-09-09 00:00:00 | Gas (Van) |  |  |  | 50.01
 |  |  |  |  | 2011-09-11 00:00:00 | Cub Foods |  |  |  | 311.59
 |  |  |  |  | 2011-09-11 00:00:00 | Performance Pool - Closing Supplies |  |  |  | 104.38
 |  |  |  |  | 2011-09-11 00:00:00 | [NAME]'s Classroom Fees |  |  |  | 16
 |  |  |  |  | 2011-09-12 00:00:00 | UMD - Vending Machine Water |  |  |  | 4
 |  |  |  |  | 2011-09-12 00:00:00 | UMD - Cafeteria Lunch |  |  |  | 11.75
 |  |  |  |  | 2011-09-12 00:00:00 | UMD - Dinner |  |  |  | 19.57
 |  |  |  |  | 2011-09-12 00:00:00 | Gas (Taurus) |  |  |  | 54.15
 |  |  |  |  | 2011-09-13 00:00:00 | Cash |  |  |  | 40
 |  |  |  |  | 2011-09-14 00:00:00 | Gas (Van) |  |  |  | 40
 |  |  |  |  | 2011-09-16 00:00:00 | Cash (LSHS Football Game) |  |  |  | 30
 |  |  |  |  | 2011-09-16 00:00:00 | [NAME] |  |  |  | 106.06
 |  |  |  |  | 2011-09-17 00:00:00 | Mills Fleet Farm (Gift for [NAME], WS Salt, Dog Food) |  |  |  | 70.59
 |  |  |  |  | 2011-09-17 00:00:00 | Erberts & Gerberts (Dining Out) |  |  |  | 13.68
 |  |  |  |  | 2011-09-17 00:00:00 | Gas (Taurus) |  |  |  | 35
 |  |  |  |  | 2011-09-20 00:00:00 | David's Construction - Pool Closing |  |  |  | 159.62
 |  |  |  |  | 2011-09-20 00:00:00 | Cub Foods |  |  |  | 95.97
 |  |  |  |  | 2011-09-21 00:00:00 | Target - Groceries |  |  |  | 107.02
 |  |  |  |  | 2011-09-21 00:00:00 | Gas (Van) |  |  |  | 50
 |  |  |  |  | 2011-09-23 00:00:00 | Gillette Children's Hospital - Breakfast |  |  |  | 10.69
 |  |  |  |  | 2011-09-23 00:00:00 | Gillette Children's Hospital - Lunch |  |  |  | 12.58
 |  |  |  |  | 2011-09-23 00:00:00 | Matt's School Pictures |  |  |  | 38
 |  |  |  |  | 2011-09-23 00:00:00 | Doctor Co-pay - Matt |  |  |  | 25
 |  |  |  |  | 2011-09-23 00:00:00 | Red Box Movies |  |  |  | 3.18
 |  |  |  |  | 2011-09-24 00:00:00 | [NAME] - Johanna Iverson |  |  |  | 30
 |  |  |  |  | 2011-09-24 00:00:00 | Cub Foods |  |  |  | 35.13
 |  |  |  |  | 2011-09-24 00:00:00 | Lakeville Liquor |  |  |  | 27.83
 |  |  |  |  | 2011-09-26 00:00:00 | Gas (Taurus) |  |  |  | 47.5
 |  |  |  |  | 2011-09-26 00:00:00 | Gas (Van) |  |  |  | 50
 |  |  |  |  | 2011-09-28 00:00:00 | Cub Foods |  |  |  | 78.31
 |  |  |  |  | 2011-09-30 00:00:00 | Fireside Restaurant (Dining Out) |  |  |  | 31.1
 |  |  |  |  |  |  |  |  | Actual Total: | 2647.059999999999