Expenses-and-Savings

Take Home Pay!

Brother Hopeful
Sister Hopeful
Total

Monthly

Expenses

January

Food
Child lessons
laundry
Dry cleaning
Gifts
life insurance
Medical insurance
Car insurance
internet
Cable
utilities
Home phone
Cell phone
Gas
Bowling
Newspaper
Misc
Tithing and offerings

Total

Yearly
4800
350
5150

57600
4200
61800
February

450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585

March
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585

April
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585

May
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585

Credit cards/ Loans by APR

1 Credit Card #2
2 Medical Bill
3 Credit Card #1
4 Gas Credit Card
5 Credit Card #3
6 2nd Mortgage
7 Car Loan
8 Credit Union Loan
9 1st Mortgage
Total

Monthly Payment Yearly Payment Amount

APR
$34.67
416.04
$1,000.00
$65.07
780.84
$1,876.97
$158.00
1896
$6,000.00
$92.72
1112.64
$1,969.78
$274.37
3292.44 $12,619.08
$582.82
6993.84 $49,612.40
$200.00
2400
$5,200.00
$280.85
3370.2 $19,225.00
$1,149.00
13788 $119,412.57
2837.5
34050 $216,915.80

15.0%
15.0%
12.0%
12.0%
11.0%
9.5%
7.0%
6.0%
6.0%

June

450
450
155
155
30
30
20
20
15
15
70
70
200
200
120
120
25
25
95
95
275
275
75
75
85
85
170
170
85
85
35
35
30
30
650
650
2585
2585
Surplus deficit for each mon
Surplus deficit for each mon

This plans consists

orange color and in
offerings by 125 in
monthly payments

we see that after 1

the first credit card
we just payed off in
going to invest wha
the debts. By using

2. Identify what ch
towards their debt.
A few change
above), and reduce
use other transport
will get for them.

3. A roll-over plan
By minimizing e
we were paying f
debt. (see Payment

Page 1

4. How much will t

Well how I did it
401k plan and took
puts into the 401k,

Expenses-and-Savings

4. How much will t

Well how I did it
401k plan and took
puts into the 401k,
brother hope is 65

Page 2

Expenses-and-Savings

July

August
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585

September
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585

onth:
onth after modifying budget:

450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585
-272.5
67.5

October
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585

November
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585
Total Expenses/Year

December
450
155
30
20
15
70
200
120
25
95
275
75
85
170
85
35
30
650
2585
31020

Saving per month:

Savings per Year:

s in removing these three expenses highlighted in yellow, lowering or minimizing the expenses with
nvesting those savings into the credit card debts. By deleting those expenses in yellow and lowering
n orange we can save 340 dolars every month of which only 67.5 are going to be left after we pay all the
s. We will use these 67.5 dolars to pay off the highest APR credit card.

12 months the credit card with the highest APR (Credit Card 2 ) is going to be paid off. After we pay off
d we are going to invest the savings from the yellow items and what we were paying for the credit card
into the second highest APR credit card, we will finish paying it after 30 months and then again we are
hat we were paying for the second highest APR credit card to the other debts we have until we pay all of
g this method all debts will be payed off after 108.

hanges you would make so that you not only have a positive budget, but you find extra dollars to apply
t.
es would be: remove cable bowling and newspaper from their expenses (in yellow color in the table
e charity contributions (in orange color in the table above) a little bit. Also they could sell their cars and
rtation options. But we won't be selling cars in this exercise just becuase we don't know how much they

n to get them completely out of debt. How long does it take for them to be completely out of debt?
expenses we can add about 67 dolars to put in their debt and everytime a debt is payd we invest what
for the payed debts to pay other debts. It would take 110 months or 9 years to go completely out of
nts-by-time tab)

they have in their retirement account when they are ready to retire?
it is that after the month 110 When everything was payd off I started investing 2k every month in the
k 800$ extra for the family's expenses. In the month 110 we already had 16500 for the 150 the company
Page
, but there is still 21 years until brother hope turns 65
so if3 we invest 2150 every month in the 401k until

Expenses-and-Savings
they have in their retirement account when they are ready to retire?
it is that after the month 110 When everything was payd off I started investing 2k every month in the
k 800$ extra for the family's expenses. In the month 110 we already had 16500 for the 150 the company
, but there is still 21 years until brother hope turns 65 so if we invest 2150 every month in the 401k until
5 we will have 558000 in total. (See 401k Tab)

Page 4

r month:
er Year:

Expenses-and-Savings

340
4080

he

ny
til

Page 5

Expenses-and-Savings

ny
til

Page 6

ExpenseJanuary
Food
Child lesso
laundry
Dry cleani
Gifts
life insura
Medical in
Car insura
internet
Cable
utilities
Home pho
Cell phone
Gas
Bowling
Newspaper
Misc
Tithing and

Total

450
155
30
20
15
70
200
120
25
0
275
75
85
170
0
0
30
525
2245

February
450
155
30
20
15
70
200
120
25
0
275
75
85
170
0
0
30
525
2245

Debt monthly payments

Monthly Expenses:
Total:

March
450
155
30
20
15
70
200
120
25
0
275
75
85
170
0
0
30
525
2245

2837.5
2245
5082.5

April

May
450
155
30
20
15
70
200
120
25
0
275
75
85
170
0
0
30
525
2245

June
450
155
30
20
15
70
200
120
25
0
275
75
85
170
0
0
30
525
2245

Income:

July
450
155
30
20
15
70
200
120
25
0
275
75
85
170
0
0
30
525
2245

450
155
30
20
15
70
200
120
25
0
275
75
85
170
0
0
30
525
2245

5150

Monthly Deficit/Surplu

67.5

August
SeptemberOctober November December
450
450
450
450
450
155
155
155
155
155
30
30
30
30
30
20
20
20
20
20
15
15
15
15
15
70
70
70
70
70
200
200
200
200
200
120
120
120
120
120
25
25
25
25
25
0
0
0
0
0
275
275
275
275
275
75
75
75
75
75
85
85
85
85
85
170
170
170
170
170
0
0
0
0
0
0
0
0
0
0
30
30
30
30
30
525
525
525
525
525
2245
2245
2245
2245
2245

401 k Plan!

Company contribution/Year

Brother Hope Age

36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65

1800
3600
5400
7200
9000
10800
12600
14400
16200
18000
19800
21600
23400
25200
27000
28800
30600
32400
34200
36000
37800
39600
41400
43200
45000
46800
48600
50400
52200
54000

401 k Plan!

Brother Hope contribution/year

0
0
0
0
0
0
0
0
0
24000
48000
72000
96000
120000
144000
168000
192000
216000
240000
264000
288000
312000
336000
360000
384000
408000
432000
456000
480000
504000

Total
1800
3600
5400
7200
9000
10800
12600
14400
16200
42000
67800
93600
119400
145200
171000
196800
222600
248400
274200
300000
325800
351600
377400
403200
429000
454800
480600
506400
532200
558000

Loans-By-APR

Red APR's means risky, green APR's means good

Month
1
2
3
4
5

15%

6
7
8
9
10
11
12

Credit card 2
Balance
Payment Interest
$1,000.00

$910.33
$819.54
$727.61
$634.54
$540.30
$444.88
$348.28
$250.46
$151.42
$51.14
$(50.39)

$102.17
$102.17
$102.17
$102.17
$102.17
$102.17
$102.17
$102.17
$102.17
$102.17
$102.17
$102.17

$12.50
$11.38
$10.24
$9.10
$7.93
$6.75
$5.56
$4.35
$3.13
$1.89
$0.64
$(0.63)

Principal

Month

$89.67
$90.79
$91.93
$93.07
$94.24
$95.42
$96.61
$97.82
$99.04
$100.28
$101.53
$102.80

1
2
3
4
5
6
7
8
9
10
11
12
13
14

Month
1

$1,876.97

$1,835.36
$1,793.23
$1,750.58
$1,707.39
$1,663.66
$1,619.39
$1,574.56
$1,529.17
$1,483.22
$1,436.69
$1,389.58
$1,341.88
$1,293.58
$1,244.68
$1,195.17
$1,145.04
$1,094.28
$1,042.89
$990.86
$938.17
$884.83
$830.82
$776.14
$720.77
$664.71
$607.95
$550.47
$492.29

3
4
5
6
7
8
9
10
11
12
13
14
15

15%

Medical Bill
Balance

16
17
18
19
20
21
22
23
24
25
26
27
28
29

Payment
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07

Interest
$23.46
$22.94
$22.42
$21.88
$21.34
$20.80
$20.24
$19.68
$19.11
$18.54
$17.96
$17.37
$16.77
$16.17
$15.56
$14.94
$14.31
$13.68
$13.04
$12.39
$11.73
$11.06
$10.39
$9.70
$9.01
$8.31
$7.60
$6.88
$6.15

Page 11

Principal

12%

$41.61
$42.13
$42.65
$43.19
$43.73
$44.27
$44.83
$45.39
$45.96
$46.53
$47.11
$47.70
$48.30
$48.90
$49.51
$50.13
$50.76
$51.39
$52.03
$52.68
$53.34
$54.01
$54.68
$55.37
$56.06
$56.76
$57.47
$58.19
$58.92

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

Gas Credit
Month
1
2
3
4
5
6
7
8
9
10

12%

Loans-By-APR
30
31
32

$433.37
$229.72
$(77.13)

$209.07
$309.72
$417.96

$5.42
$2.87
$(0.96)

$203.65
$306.84
$418.92

11

12%

12
13
14
15

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22

11%

23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

Credit Card #3
Balance
Payment
$12,619.08

$12,460.38
$12,300.24
$12,138.62
$11,975.52
$11,810.92
$11,644.82
$11,477.19
$11,308.03
$11,137.32
$10,965.04
$10,791.18
$10,615.73
$10,438.67
$10,259.99
$10,079.67
$9,897.70
$9,714.06
$9,528.73
$9,341.71
$9,152.97
$8,962.50
$8,770.29
$8,576.32
$8,380.56
$8,183.01
$7,983.65
$7,782.47
$7,579.44
$7,374.55
$7,167.78
$6,959.11
$6,471.40
$5,979.23
$5,482.54
$4,981.30
$4,475.46
$3,964.99
$3,449.84
$2,929.96
$2,405.32
$1,875.88
$1,341.57
$802.37

$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50
$551.50

16

Interest
$115.67
$114.22
$112.75
$111.27
$109.78
$108.27
$106.74
$105.21
$103.66
$102.09
$100.51
$98.92
$97.31
$95.69
$94.05
$92.40
$90.73
$89.05
$87.35
$85.63
$83.90
$82.16
$80.39
$78.62
$76.82
$75.01
$73.18
$71.34
$69.48
$67.60
$65.70
$63.79
$59.32
$54.81
$50.26
$45.66
$41.03
$36.35
$31.62
$26.86
$22.05
$17.20
$12.30
$7.36
Page 12

Principal
$158.70
$160.15
$161.62
$163.10
$164.59
$166.10
$167.63
$169.16
$170.71
$172.28
$173.86
$175.45
$177.06
$178.68
$180.32
$181.97
$183.64
$185.32
$187.02
$188.74
$190.47
$192.21
$193.98
$195.75
$197.55
$199.36
$201.19
$203.03
$204.89
$206.77
$208.67
$487.71
$492.18
$496.69
$501.24
$505.84
$510.47
$515.15
$519.87
$524.64
$529.45
$534.30
$539.20
$544.14

17
18
19
20
21
22
23
24
25

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32

Loans-By-APR
$258.23
$(290.90)

45
46

$551.50
$551.50

$2.37
$(2.67)

$549.13
$554.16

33
34
35
36

Month

Car Loan
Balance

$5,200.00

$5,030.33
$4,859.68
$4,688.03
$4,515.37
$4,341.71
$4,167.04
$3,991.35
$3,814.63
$3,636.88
$3,458.10
$3,278.27
$3,097.39
$2,915.46
$2,732.47
$2,548.41
$2,363.27
$2,177.06
$1,989.76
$1,801.36
$1,611.87
$1,421.27
$1,229.56
$1,036.74
$842.78
$647.70
$451.48
$254.11
$55.60
$(144.08)

3
4
5
6
7
8
9
10
11
12
13
14

7.00%

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

37

Payment
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00

Interest
$30.33
$29.34
$28.35
$27.35
$26.34
$25.33
$24.31
$23.28
$22.25
$21.22
$20.17
$19.12
$18.07
$17.01
$15.94
$14.87
$13.79
$12.70
$11.61
$10.51
$9.40
$8.29
$7.17
$6.05
$4.92
$3.78
$2.63
$1.48
$0.32
$(0.84)

Principal
$169.67
$170.66
$171.65
$172.65
$173.66
$174.67
$175.69
$176.72
$177.75
$178.78
$179.83
$180.88
$181.93
$182.99
$184.06
$185.13
$186.21
$187.30
$188.39
$189.49
$190.60
$191.71
$192.83
$193.95
$195.08
$196.22
$197.37
$198.52
$199.68
$200.84

38
39
40
41
42

9.50%

43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69

1 mortgage
Balance
Payment
st

Month
1
2
3
4
5
6
7
8
9
10
11
12

$119,412.57

$118,860.63
$118,305.94
$117,748.47
$117,188.21
$116,625.15
$116,059.27
$115,490.57
$114,919.02
$114,344.62
$113,767.34
$113,187.18

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

70

Interest
$597.06
$594.30
$591.53
$588.74
$585.94
$583.13
$580.30
$577.45
$574.60
$571.72
$568.84
$565.94
Page 13

Principal
$551.94
$554.70
$557.47
$560.26
$563.06
$565.87
$568.70
$571.55
$574.40
$577.28
$580.16
$583.06

71
72
73
74
75
76
77
78
79
80
81
82
83

Loans-By-APR
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59

6%

60
61
62
63

$112,604.11
$112,018.14
$111,429.23
$110,837.37
$110,242.56
$109,644.77
$109,044.00
$108,440.22
$107,833.42
$107,223.58
$106,610.70
$105,994.76
$105,375.73
$104,753.61
$104,128.38
$103,500.02
$102,868.52
$102,233.86
$101,596.03
$100,955.01
$100,310.78
$99,663.34
$99,012.66
$98,358.72
$97,701.51
$97,041.02
$96,377.22
$95,710.11
$95,039.66
$94,365.86
$93,688.69
$93,008.13
$92,324.17
$91,636.79
$90,945.98
$90,251.71
$89,553.97
$88,852.74
$88,148.00
$87,439.74
$86,727.94
$86,012.58
$85,293.64
$84,571.11
$83,844.97
$83,115.19
$82,381.77
$81,644.67
$80,903.90
$80,159.42
$79,411.21

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

$563.02
$560.09
$557.15
$554.19
$551.21
$548.22
$545.22
$542.20
$539.17
$536.12
$533.05
$529.97
$526.88
$523.77
$520.64
$517.50
$514.34
$511.17
$507.98
$504.78
$501.55
$498.32
$495.06
$491.79
$488.51
$485.21
$481.89
$478.55
$475.20
$471.83
$468.44
$465.04
$461.62
$458.18
$454.73
$451.26
$447.77
$444.26
$440.74
$437.20
$433.64
$430.06
$426.47
$422.86
$419.22
$415.58
$411.91
$408.22
$404.52
$400.80
$397.06
Page 14

$585.98
$588.91
$591.85
$594.81
$597.79
$600.78
$603.78
$606.80
$609.83
$612.88
$615.95
$619.03
$622.12
$625.23
$628.36
$631.50
$634.66
$637.83
$641.02
$644.22
$647.45
$650.68
$653.94
$657.21
$660.49
$663.79
$667.11
$670.45
$673.80
$677.17
$680.56
$683.96
$687.38
$690.82
$694.27
$697.74
$701.23
$704.74
$708.26
$711.80
$715.36
$718.94
$722.53
$726.14
$729.78
$733.42
$737.09
$740.78
$744.48
$748.20
$751.94

84
85
86
87

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

6%

42
43

Loans-By-APR
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110

$78,659.27
$77,903.57
$77,144.09
$76,380.81
$75,613.71
$74,842.78
$74,067.99
$73,289.33
$72,506.78
$71,720.31
$70,929.91
$70,135.56
$69,337.24
$68,534.93
$67,728.60
$66,918.25
$66,103.84
$65,285.36
$64,462.78
$63,636.10
$62,805.28
$61,963.31
$60,819.28
$59,669.52
$58,031.84
$55,452.98
$52,861.23
$50,256.51
$47,638.78
$45,007.96
$42,363.98
$39,706.78
$37,036.30
$34,352.46
$31,655.20
$28,944.46
$26,220.17
$23,482.25
$20,730.64
$17,965.28
$15,186.09
$12,393.00
$9,585.95
$6,764.86
$3,929.67
$1,080.30
$(1,783.32)

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,155.99
$1,453.85
$1,453.85
$1,936.03
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02
$2,869.02

$393.30
$389.52
$385.72
$381.90
$378.07
$374.21
$370.34
$366.45
$362.53
$358.60
$354.65
$350.68
$346.69
$342.67
$338.64
$334.59
$330.52
$326.43
$322.31
$318.18
$314.03
$309.82
$304.10
$298.35
$290.16
$277.26
$264.31
$251.28
$238.19
$225.04
$211.82
$198.53
$185.18
$171.76
$158.28
$144.72
$131.10
$117.41
$103.65
$89.83
$75.93
$61.97
$47.93
$33.82
$19.65
$5.40
$(8.92)

Page 15

6%
$755.70
$759.48
$763.28
$767.10
$770.93
$774.79
$778.66
$782.55
$786.47
$790.40
$794.35
$798.32
$802.31
$806.33
$810.36
$814.41
$818.48
$822.57
$826.69
$830.82
$841.97
$1,144.03
$1,149.75
$1,637.68
$2,578.86
$2,591.75
$2,604.71
$2,617.74
$2,630.82
$2,643.98
$2,657.20
$2,670.48
$2,683.84
$2,697.26
$2,710.74
$2,724.30
$2,737.92
$2,751.61
$2,765.36
$2,779.19
$2,793.09
$2,807.05
$2,821.09
$2,835.19
$2,849.37
$2,863.62
$2,877.93

44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

Loans-By-APR

Page 16

Loans-By-APR

Credit Card #1
Balance
Payment Interest
$6,000.00

$5,902.00
$5,803.02
$5,703.05
$5,602.08
$5,500.10
$5,397.10
$5,293.07
$5,188.00
$5,081.88
$4,974.70
$4,866.45
$4,706.73
$4,493.62
$4,278.39
$4,061.00
$3,841.44
$3,619.69
$3,395.71
$3,169.50
$2,941.03
$2,710.27
$2,477.20
$2,241.80
$2,004.05
$1,671.20
$1,335.02
$995.48
$652.55
$306.18
$(43.65)

$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$208.39
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$352.89
$352.89
$352.89
$352.89
$352.89
$352.89
$352.89

$60.00
$59.02
$58.03
$57.03
$56.02
$55.00
$53.97
$52.93
$51.88
$50.82
$49.75
$48.66
$47.07
$44.94
$42.78
$40.61
$38.41
$36.20
$33.96
$31.70
$29.41
$27.10
$24.77
$22.42
$20.04
$16.71
$13.35
$9.95
$6.53
$3.06
$(0.44)

Principal

Month

$98.00
$98.98
$99.97
$100.97
$101.98
$103.00
$104.03
$105.07
$106.12
$107.18
$108.25
$159.72
$213.10
$215.23
$217.39
$219.56
$221.76
$223.97
$226.21
$228.47
$230.76
$233.07
$235.40
$237.75
$332.85
$336.18
$339.54
$342.94
$346.36
$349.83
$353.33

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33

Gas Credit Card

Balance
Payment
$1,969.78

$1,896.76
$1,823.01
$1,748.52
$1,673.28
$1,597.29
$1,520.55
$1,443.03
$1,364.74
$1,285.67

$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72

34

Interest
$19.70
$18.97
$18.23
$17.49
$16.73
$15.97
$15.21
$14.43
$13.65
$12.86

Principal

35

$73.02
$73.75
$74.49
$75.23
$75.99
$76.75
$77.51
$78.29
$79.07
$79.86

Page 17

Interest and Principal Calcul

Balance
Payment

36
37
38
39
40
41
42
43
44
45

Total

Loans-By-APR
$1,205.81
$1,125.14
$1,043.68
$961.39
$878.29
$794.35
$709.57
$623.95
$537.47
$450.12
$361.90
$272.80
$182.81
$91.92
$0.12

$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72

$12.06
$11.25
$10.44
$9.61
$8.78
$7.94
$7.10
$6.24
$5.37
$4.50
$3.62
$2.73
$1.83
$0.92
$0.00

$80.66
$81.47
$82.28
$83.11
$83.94
$84.78
$85.62
$86.48
$87.35
$88.22
$89.10
$89.99
$90.89
$91.80
$92.72

46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Total

2nd mortgage
Balance
Payment
$49,612.40

$49,422.34
$49,230.79
$49,037.71
$48,843.10
$48,646.96
$48,449.26
$48,250.00
$48,049.16
$47,846.73
$47,642.69
$47,437.04
$47,229.77
$47,020.85
$46,810.28
$46,598.04
$46,384.12
$46,168.51
$45,951.19
$45,732.15
$45,511.37
$45,288.85
$45,064.57
$44,838.51
$44,610.66
$44,381.01
$44,149.54
$43,916.24
$43,681.09
$43,444.08
$43,205.19
$42,964.41

$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82

Interest
$392.76
$391.26
$389.74
$388.22
$386.67
$385.12
$383.56
$381.98
$380.39
$378.79
$377.17
$375.54
$373.90
$372.25
$370.58
$368.90
$367.21
$365.50
$363.78
$362.05
$360.30
$358.54
$356.76
$354.97
$353.17
$351.35
$349.52
$347.67
$345.81
$343.93
$342.04
$340.13

Principal
$190.06
$191.56
$193.08
$194.60
$196.15
$197.70
$199.26
$200.84
$202.43
$204.03
$205.65
$207.28
$208.92
$210.57
$212.24
$213.92
$215.61
$217.32
$219.04
$220.77
$222.52
$224.28
$226.06
$227.85
$229.65
$231.47
$233.30
$235.15
$237.01
$238.89
$240.78
$242.69
Page 18

Loans-By-APR
$42,721.72
$42,477.12
$42,230.57
$41,982.08
$41,731.62
$41,479.17
$41,224.73
$40,968.27
$40,709.78
$40,449.25
$40,186.65
$39,921.98
$39,655.21
$39,386.32
$38,824.41
$37,997.46
$37,163.95
$36,323.85
$35,477.09
$34,623.64
$33,763.42
$32,896.40
$32,022.51
$31,141.70
$30,253.93
$29,359.12
$28,457.23
$27,548.20
$26,631.97
$25,708.49
$24,777.69
$23,839.53
$22,893.95
$21,940.87
$20,980.25
$20,012.03
$19,036.14
$18,052.52
$17,061.12
$16,061.87
$15,054.71
$14,039.58
$13,016.41
$11,985.13
$10,945.70
$9,898.03
$8,842.08
$7,777.76
$6,705.01
$5,623.78
$4,533.98

$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$873.72
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32
$1,134.32

$338.21
$336.28
$334.33
$332.36
$330.38
$328.38
$326.36
$324.33
$322.29
$320.22
$318.14
$316.05
$313.94
$311.81
$307.36
$300.81
$294.21
$287.56
$280.86
$274.10
$267.29
$260.43
$253.51
$246.54
$239.51
$232.43
$225.29
$218.09
$210.84
$203.53
$196.16
$188.73
$181.24
$173.70
$166.09
$158.43
$150.70
$142.92
$135.07
$127.16
$119.18
$111.15
$103.05
$94.88
$86.65
$78.36
$70.00
$61.57
$53.08
$44.52
$35.89

$244.61
$246.54
$248.49
$250.46
$252.44
$254.44
$256.46
$258.49
$260.53
$262.60
$264.68
$266.77
$268.88
$561.91
$826.96
$833.50
$840.10
$846.75
$853.46
$860.21
$867.02
$873.89
$880.81
$887.78
$894.81
$901.89
$909.03
$916.23
$923.48
$930.79
$938.16
$945.59
$953.07
$960.62
$968.22
$975.89
$983.61
$991.40
$999.25
$1,007.16
$1,015.13
$1,023.17
$1,031.27
$1,039.44
$1,047.66
$1,055.96
$1,064.32
$1,072.74
$1,081.24
$1,089.80
$1,098.42
Page 19

Loans-By-APR
$3,435.56
$2,322.44
$925.66
$(482.18)

$1,140.32
$1,415.17
$1,415.17
$1,415.17

Credit Union
Balance
Payment
$19,225.00

$19,040.28
$18,854.63
$18,668.05
$18,480.54
$18,292.09
$18,102.70
$17,912.37
$17,721.08
$17,528.83
$17,335.63
$17,141.46
$16,946.31
$16,750.19
$16,553.10
$16,355.01
$16,155.94
$15,955.87
$15,754.80
$15,552.72
$15,349.63
$15,145.53
$14,940.41
$14,734.26
$14,527.08
$14,318.87
$14,109.61
$13,899.31
$13,687.96
$13,475.55
$13,262.07
$13,047.53
$12,831.92
$12,615.23
$12,397.46
$12,178.60
$11,958.64
$11,737.58
$11,515.42
$11,292.15
$11,067.76
$10,842.25
$10,615.61

$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85

$27.20
$18.39
$7.33
$(3.82)

Interest
$96.13
$95.20
$94.27
$93.34
$92.40
$91.46
$90.51
$89.56
$88.61
$87.64
$86.68
$85.71
$84.73
$83.75
$82.77
$81.78
$80.78
$79.78
$78.77
$77.76
$76.75
$75.73
$74.70
$73.67
$72.64
$71.59
$70.55
$69.50
$68.44
$67.38
$66.31
$65.24
$64.16
$63.08
$61.99
$60.89
$59.79
$58.69
$57.58
$56.46
$55.34
$54.21
$53.08

$1,113.12
$1,396.78
$1,407.84
$1,418.98

Principal
$184.73
$185.65
$186.58
$187.51
$188.45
$189.39
$190.34
$191.29
$192.24
$193.21
$194.17
$195.14
$196.12
$197.10
$198.08
$199.07
$200.07
$201.07
$202.08
$203.09
$204.10
$205.12
$206.15
$207.18
$208.21
$209.26
$210.30
$211.35
$212.41
$213.47
$214.54
$215.61
$216.69
$217.77
$218.86
$219.96
$221.06
$222.16
$223.27
$224.39
$225.51
$226.64
$227.77
Page 20

Loans-By-APR
$10,387.83
$10,158.92
$9,928.87
$9,697.66
$9,465.30
$9,231.78
$8,997.09
$8,761.22
$8,524.18
$8,285.95
$8,046.53
$7,805.91
$7,564.09
$7,321.06
$7,076.82
$6,831.35
$6,584.66
$6,336.73
$6,086.56
$5,834.15
$5,579.47
$5,322.52
$5,063.28
$4,801.74
$4,537.90
$4,271.74
$4,003.25
$3,732.42
$3,459.23
$3,183.68
$2,905.74
$2,625.42
$2,342.70
$2,057.56
$1,770.00
$1,480.00
$1,187.55
$892.64
$595.25
$295.38
$(6.99)

$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$281.85
$282.85
$283.85
$284.85
$285.85
$286.85
$287.85
$288.85
$289.85
$290.85
$291.85
$292.85
$293.85
$294.85
$295.85
$296.85
$297.85
$298.85
$299.85
$300.85
$301.85
$302.85
$303.85
$304.85

$51.94
$50.79
$49.64
$48.49
$47.33
$46.16
$44.99
$43.81
$42.62
$41.43
$40.23
$39.03
$37.82
$36.61
$35.38
$34.16
$32.92
$31.68
$30.43
$29.17
$27.90
$26.61
$25.32
$24.01
$22.69
$21.36
$20.02
$18.66
$17.30
$15.92
$14.53
$13.13
$11.71
$10.29
$8.85
$7.40
$5.94
$4.46
$2.98
$1.48
$(0.03)

$228.91
$230.06
$231.21
$232.36
$233.52
$234.69
$235.86
$237.04
$238.23
$239.42
$240.62
$241.82
$243.03
$244.24
$245.47
$246.69
$247.93
$250.17
$252.42
$254.68
$256.95
$259.24
$261.53
$263.84
$266.16
$268.49
$270.83
$273.19
$275.55
$277.93
$280.32
$282.72
$285.14
$287.56
$290.00
$292.45
$294.91
$297.39
$299.87
$302.37
$304.88

Page 21

Loans-By-APR

Page 22

Loans-By-APR

Exhibit 12

l Calculation
Interest Principal

Page 23

Loans-By-APR

Page 24

Loans-By-APR

Page 25

Loans-By-APR

Page 26

Loans-By-APR

Page 27

Loans-By-APR

Page 28

15% APR (Highest)

Credit card 2
Month Balance Payment Interest Principal
1
2
3
4
5
6
7
8
9
10
11
12

### $102.17
$910.33 $102.17
$819.54 $102.17
$727.61 $102.17
$634.54 $102.17
$540.30 $102.17
$444.88 $102.17
$348.28 $102.17
$250.46 $102.17
$151.42 $102.17
$51.14 $102.17
$(50.39) $102.17

$12.50
$89.67
$11.38
$90.79
$10.24
$91.93
$9.10
$93.07
$7.93
$94.24
$6.75
$95.42
$5.56
$96.61
$4.35
$97.82
$3.13
$99.04
$1.89 $100.28
$0.64 $101.53
$(0.63) $102.80

12% APR (2nd Highest

Gas Credit Card

Month Balance
1

$1,969.78

$1,896.76
$1,823.01
$1,748.52
$1,673.28
$1,597.29
$1,520.55
$1,443.03
$1,364.74
$1,285.67
$1,205.81
$1,125.14
$1,043.68
$961.39
$878.29
$794.35
$709.57
$623.95
$537.47
$450.12
$361.90
$272.80
$182.81
$91.92
$0.12

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

12% APR (2nd Highest)

7% APR

Credit Card
Payment Interest Principal
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72

$19.70
$18.97
$18.23
$17.49
$16.73
$15.97
$15.21
$14.43
$13.65
$12.86
$12.06
$11.25
$10.44
$9.61
$8.78
$7.94
$7.10
$6.24
$5.37
$4.50
$3.62
$2.73
$1.83
$0.92
$0.00

$73.02
$73.75
$74.49
$75.23
$75.99
$76.75
$77.51
$78.29
$79.07
$79.86
$80.66
$81.47
$82.28
$83.11
$83.94
$84.78
$85.62
$86.48
$87.35
$88.22
$89.10
$89.99
$90.89
$91.80
$92.72

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

Car Loan
Balance Payment Interest Principal
$5,200.00 $200.00
$5,030.33 $200.00
$4,859.68 $200.00
$4,688.03 $200.00
$4,515.37 $200.00
$4,341.71 $200.00
$4,167.04 $200.00
$3,991.35 $200.00
$3,814.63 $200.00
$3,636.88 $200.00
$3,458.10 $200.00
$3,278.27 $200.00
$3,097.39 $200.00
$2,915.46 $200.00
$2,732.47 $200.00
$2,548.41 $200.00
$2,363.27 $200.00
$2,177.06 $200.00
$1,989.76 $200.00
$1,801.36 $200.00
$1,611.87 $200.00
$1,421.27 $200.00
$1,229.56 $200.00
$1,036.74 $200.00
$842.78 $200.00
$647.70 $200.00
$451.48 $200.00
$254.11 $200.00
$55.60 $200.00
$(144.08) $200.00

$30.33
$29.34
$28.35
$27.35
$26.34
$25.33
$24.31
$23.28
$22.25
$21.22
$20.17
$19.12
$18.07
$17.01
$15.94
$14.87
$13.79
$12.70
$11.61
$10.51
$9.40
$8.29
$7.17
$6.05
$4.92
$3.78
$2.63
$1.48
$0.32
$(0.84)

$169.67
$170.66
$171.65
$172.65
$173.66
$174.67
$175.69
$176.72
$177.75
$178.78
$179.83
$180.88
$181.93
$182.99
$184.06
$185.13
$186.21
$187.30
$188.39
$189.49
$190.60
$191.71
$192.83
$193.95
$195.08
$196.22
$197.37
$198.52
$199.68
$200.84

Principal

12 % APR (2nd Highest)

Month

Credit Card #1
Balance Payment Interest Principal

$6,000.00

$5,902.00
$5,803.02
$5,703.05
$5,602.08
$5,500.10
$5,397.10
$5,293.07
$5,188.00
$5,081.88
$4,974.70
$4,866.45
$4,706.73
$4,493.62
$4,278.39
$4,061.00
$3,841.44
$3,619.69
$3,395.71
$3,169.50
$2,941.03
$2,710.27
$2,477.20
$2,241.80
$2,004.05
$1,671.20
$1,335.02
$995.48
$652.55
$306.18
$(43.65)

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$208.39
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$260.17
$352.89
$352.89
$352.89
$352.89
$352.89
$352.89
$352.89

$60.00
$59.02
$58.03
$57.03
$56.02
$55.00
$53.97
$52.93
$51.88
$50.82
$49.75
$48.66
$47.07
$44.94
$42.78
$40.61
$38.41
$36.20
$33.96
$31.70
$29.41
$27.10
$24.77
$22.42
$20.04
$16.71
$13.35
$9.95
$6.53
$3.06
$(0.44)

$98.00
$98.98
$99.97
$100.97
$101.98
$103.00
$104.03
$105.07
$106.12
$107.18
$108.25
$159.72
$213.10
$215.23
$217.39
$219.56
$221.76
$223.97
$226.21
$228.47
$230.76
$233.07
$235.40
$237.75
$332.85
$336.18
$339.54
$342.94
$346.36
$349.83
$353.33

15% APR (Highest)

Medical Bill
Month
Balance
1 1876.97
2 1835.362
3 1793.234
4 1750.58
5 1707.392
6 1663.664
7 1619.39
8 1574.562
9 1529.174
10 1483.219
11 1436.689
12 1389.578
13 1341.878
14 1293.581
15 1244.681
16 1195.169
17 1145.039
18 1094.282
19 1042.891
20 990.8567
21 938.1724
22 884.8296
23 830.8199
24 776.1352
25 720.7669
26 664.7065
27 607.9453
28 550.4746
29 492.2855
30 433.3691
31 229.7162
32 -77.12767

15% APR (Highest)

Medical Bill
Payment Interest Principal
65.07 23.46213 41.60788
65.07 22.94203 42.12797
65.07 22.41543 42.65457
65.07 21.88224 43.18776
65.07 21.3424 43.7276
65.07 20.7958 44.2742
65.07 20.24238 44.82762
65.07 19.68203 45.38797
65.07 19.11468 45.95532
65.07 18.54024 46.52976
65.07 17.95862 47.11138
65.07 17.36972 47.70028
65.07 16.77347 48.29653
65.07 16.16976 48.90024
65.07 15.55851 49.51149
65.07 14.93962 50.13038
65.07 14.31299 50.75701
65.07 13.67853 51.39147
65.07 13.03613 52.03387
65.07 12.38571 52.68429
65.07 11.72716 53.34284
65.07 11.06037 54.00963
65.07 10.38525 54.68475
65.07 9.70169 55.36831
65.07 9.009586 56.06041
65.07 8.308831 56.76117
65.07 7.599316 57.47068
65.07 6.880933 58.18907
65.07 6.153569 58.91643
209.07 5.417114 203.6529
309.7153 2.871453 306.8439
417.96 -0.964096 418.9241

11% APR
Credit Card #3
Month
Balance Payment Interest Principal
1 12619.08
274.37 115.6749 158.6951
2 12460.38
274.37 114.2202 160.1498
3 12300.24
274.37 112.7522 161.6178
4 12138.62
274.37 111.2707 163.0993
5 11975.52
274.37 109.7756 164.5944
6 11810.92
274.37 108.2668 166.1032
7 11644.82
274.37 106.7442 167.6258
8 11477.19
274.37 105.2076 169.1624
9 11308.03
274.37 103.657 170.713
10 11137.32
274.37 102.0921 172.2779
11 10965.04
274.37 100.5129 173.8571
12 10791.18
274.37 98.91919 175.4508
13 10615.73
274.37 97.31089 177.0591
14 10438.67
274.37 95.68785 178.6822
15 10259.99
274.37 94.04993 180.3201
16 10079.67
274.37 92.39699 181.973
17 9897.699
274.37 90.72891 183.6411
18 9714.058
274.37 89.04553 185.3245
19 9528.733
274.37 87.34672 187.0233
20 9341.71
274.37 85.63234 188.7377
21 9152.972
274.37 83.90225 190.4678
22 8962.505
274.37 82.15629 192.2137
23 8770.291
274.37 80.39433 193.9757
24 8576.315
274.37 78.61622 195.7538
25 8380.561
274.37 76.82181 197.5482
26 8183.013
274.37 75.01095 199.359
27 7983.654
274.37 73.1835 201.1865
28 7782.468
274.37 71.33929 203.0307
29 7579.437
274.37 69.47817 204.8918
30 7374.545
274.37
67.6
206.77
31 7167.775
274.37 65.70461 208.6654
32 6959.11 551.4977 63.79184 487.7058
33 6471.404 551.4977 59.3212 492.1765
34 5979.227 551.4977 54.80959 496.6881
35 5482.539 551.4977 50.25661 501.2411
36 4981.298 551.4977 45.6619 505.8358
37 4475.463 551.4977 41.02507 510.4726
38 3964.99 551.4977 36.34574 515.1519
39 3449.838 551.4977 31.62352 519.8742
40 2929.964 551.4977
26.858 524.6397
41 2405.324 551.4977 22.04881 529.4489
42 1875.875 551.4977 17.19552 534.3021

43 1341.573
44 802.3733
45 258.2308
46 -290.8998

551.4977 12.29775
551.4977 7.355089
551.4977 2.367115
551.4977 -2.666581

539.1999
544.1426
549.1306
554.1642

6% APR
Credit Union
Month
Balance Payment Interest Principal
1
19225
280.85
96.125 184.725
2 19040.28
280.85 95.20138 185.6486
3 18854.63
280.85 94.27313 186.5769
4 18668.05
280.85 93.34025 187.5098
5 18480.54
280.85 92.4027 188.4473
6 18292.09
280.85 91.46046 189.3895
7 18102.7
280.85 90.51351 190.3365
8 17912.37
280.85 89.56183 191.2882
9 17721.08
280.85 88.60539 192.2446
10 17528.83
280.85 87.64417 193.2058
11 17335.63
280.85 86.67814 194.1719
12 17141.46
280.85 85.70728 195.1427
13 16946.31
280.85 84.73157 196.1184
14 16750.19
280.85 83.75097 197.099
15 16553.1
280.85 82.76548 198.0845
16 16355.01
280.85 81.77506 199.0749
17 16155.94
280.85 80.77968 200.0703
18 15955.87
280.85 79.77933 201.0707
19 15754.8
280.85 78.77398 202.076
20 15552.72
280.85 77.7636 203.0864
21 15349.63
280.85 76.74816 204.1018
22 15145.53
280.85 75.72766 205.1223
23 14940.41
280.85 74.70204 206.148
24 14734.26
280.85 73.6713 207.1787
25 14527.08
280.85 72.63541 208.2146
26 14318.87
280.85 71.59434 209.2557
27 14109.61
280.85 70.54806 210.3019
28 13899.31
280.85 69.49655 211.3535
29 13687.96
280.85 68.43978 212.4102
30 13475.55
280.85 67.37773 213.4723
31 13262.07
280.85 66.31037 214.5396
32 13047.53
280.85 65.23767 215.6123
33 12831.92
280.85 64.15961 216.6904
34 12615.23
280.85 63.07616 217.7738
35 12397.46
280.85 61.98729 218.8627
36 12178.6
280.85 60.89298 219.957
37 11958.64
280.85 59.79319 221.0568
38 11737.58
280.85 58.68791 222.1621
39 11515.42
280.85 57.5771 223.2729
40 11292.15
280.85 56.46073 224.3893
41 11067.76
280.85 55.33878 225.5112
42 10842.25
280.85 54.21123 226.6388

9.5% APR
2nd mortgage
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42

Balance
49612.4
49422.34
49230.79
49037.71
48843.1
48646.96
48449.26
48250
48049.16
47846.73
47642.69
47437.04
47229.77
47020.85
46810.28
46598.04
46384.12
46168.51
45951.19
45732.15
45511.37
45288.85
45064.57
44838.51
44610.66
44381.01
44149.54
43916.24
43681.09
43444.08
43205.19
42964.41
42721.72
42477.12
42230.57
41982.08
41731.62
41479.17
41224.73
40968.27
40709.78
40449.25

43 10615.61
44 10387.83
45 10158.92
46 9928.869
47 9697.663
48 9465.301
49 9231.778
50 8997.087
51 8761.222
52 8524.178
53 8285.949
54 8046.529
55 7805.912
56 7564.091
57 7321.062
58 7076.817
59 6831.351
60 6584.658
61 6336.731
62 6086.565
63 5834.148
64 5579.468
65 5322.516
66 5063.278
67 4801.745
68 4537.903
69 4271.743
70 4003.252
71 3732.418
72 3459.23
73 3183.676
74 2905.744
75 2625.423
76
2342.7
77 2057.564
78 1770.002
79 1480.002
80 1187.552
81 892.6394
82 595.2526
83 295.3789
84 -6.994237

280.85 53.07803
280.85 51.93917
280.85 50.79462
280.85 49.64434
280.85 48.48832
280.85 47.32651
280.85 46.15889
280.85 44.98543
280.85 43.80611
280.85 42.62089
280.85 41.42975
280.85 40.23265
280.85 39.02956
280.85 37.82046
280.85 36.60531
280.85 35.38408
280.85 34.15676
280.85 32.92329
281.85 31.68366
282.85 30.43282
283.85 29.17074
284.85 27.89734
285.85 26.61258
286.85 25.31639
287.85 24.00872
288.85 22.68952
289.85 21.35871
290.85 20.01626
291.85 18.66209
292.85 17.29615
293.85 15.91838
294.85 14.52872
295.85 13.12712
296.85 11.7135
297.85 10.28782
298.85 8.850008
299.85 7.400008
300.85 5.937758
301.85 4.463197
302.85 2.976263
303.85 1.476894
304.85 -0.034971

227.772
228.9108
230.0554
231.2057
232.3617
233.5235
234.6911
235.8646
237.0439
238.2291
239.4203
240.6174
241.8204
243.0295
244.2447
245.4659
246.6932
247.9267
250.1663
252.4172
254.6793
256.9527
259.2374
261.5336
263.8413
266.1605
268.4913
270.8337
273.1879
275.5539
277.9316
280.3213
282.7229
285.1365
287.5622
290
292.45
294.9122
297.3868
299.8737
302.3731
304.885

43 40186.65
44 39921.98
45 39655.21
46 39386.32
47 38824.41
48 37997.46
49 37163.95
50 36323.85
51 35477.09
52 34623.64
53 33763.42
54 32896.4
55 32022.51
56 31141.7
57 30253.93
58 29359.12
59 28457.23
60 27548.2
61 26631.97
62 25708.49
63 24777.69
64 23839.53
65 22893.95
66 21940.87
67 20980.25
68 20012.03
69 19036.14
70 18052.52
71 17061.12
72 16061.87
73 15054.71
74 14039.58
75 13016.41
76 11985.13
77 10945.7
78 9898.035
79 8842.076
80 7777.758
81 6705.015
82 5623.778
83 4533.982
84 3435.559
85 2322.439
86 925.6574
87 -482.1821

9.5% APR
2nd mortgage
Payment Interest Principal
582.82 392.7648 190.0552
582.82 391.2602 191.5598
582.82 389.7437 193.0763
582.82 388.2152 194.6048
582.82 386.6746 196.1454
582.82 385.1218 197.6982
582.82 383.5566 199.2634
582.82 381.9791 200.8409
582.82 380.3892 202.4308
582.82 378.7866 204.0334
582.82 377.1713 205.6487
582.82 375.5433 207.2767
582.82 373.9023 208.9177
582.82 372.2484 210.5716
582.82 370.5814 212.2386
582.82 368.9011 213.9189
582.82 367.2076 215.6124
582.82 365.5007 217.3193
582.82 363.7802 219.0398
582.82 362.0462 220.7738
582.82 360.2984 222.5216
582.82 358.5368 224.2832
582.82 356.7612 226.0588
582.82 354.9715 227.8485
582.82 353.1677 229.6523
582.82 351.3497 231.4703
582.82 349.5172 233.3028
582.82 347.6702 235.1498
582.82 345.8086 237.0114
582.82 343.9323 238.8877
582.82 342.0411 240.7789
582.82 340.1349 242.6851
582.82 338.2136 244.6064
582.82 336.2772 246.5428
582.82 334.3254 248.4946
582.82 332.3581 250.4619
582.82 330.3753 252.4447
582.82 328.3768 254.4432
582.82 326.3624 256.4576
582.82 324.3322 258.4878
582.82 322.2858 260.5342
582.82 320.2232 262.5968

6% APR
1st mortgage
Month
Balance Payment Interest Principal
1 119412.6
1149 597.0629 551.9372
2 118860.6
1149 594.3032 554.6968
3 118305.9
1149 591.5297 557.4703
4 117748.5
1149 588.7423 560.2577
5 117188.2
1149 585.941 563.059
6 116625.1
1149 583.1257 565.8743
7 116059.3
1149 580.2964 568.7036
8 115490.6
1149 577.4529 571.5471
9 114919
1149 574.5951 574.4049
10 114344.6
1149 571.7231 577.2769
11 113767.3
1149 568.8367 580.1633
12 113187.2
1149 565.9359 583.0641
13 112604.1
1149 563.0206 585.9794
14 112018.1
1149 560.0907 588.9093
15 111429.2
1149 557.1461 591.8539
16 110837.4
1149 554.1869 594.8131
17 110242.6
1149 551.2128 597.7872
18 109644.8
1149 548.2239 600.7761
19 109044
1149
545.22
603.78
20 108440.2
1149 542.2011 606.7989
21 107833.4
1149 539.1671 609.8329
22 107223.6
1149 536.1179 612.8821
23 106610.7
1149 533.0535 615.9465
24 105994.8
1149 529.9738 619.0262
25 105375.7
1149 526.8786 622.1214
26 104753.6
1149 523.768 625.232
27 104128.4
1149 520.6419 628.3581
28 103500
1149 517.5001 631.4999
29 102868.5
1149 514.3426 634.6574
30 102233.9
1149 511.1693 637.8307
31 101596
1149 507.9801 641.0199
32 100955
1149 504.775 644.225
33 100310.8
1149 501.5539 647.4461
34 99663.34
1149 498.3167 650.6833
35 99012.66
1149 495.0633 653.9367
36 98358.72
1149 491.7936 657.2064
37 97701.51
1149 488.5076 660.4924
38 97041.02
1149 485.2051 663.7949
39 96377.22
1149 481.8861 667.1139
40 95710.11
1149 478.5506 670.4494
41 95039.66
1149 475.1983 673.8017
42 94365.86
1149 471.8293 677.1707

582.82 318.1443
582.82 316.049
582.82 313.9371
873.7198 311.8084
1134.318 307.3599
1134.318 300.8132
1134.318 294.2146
1134.318 287.5638
1134.318 280.8603
1134.318 274.1038
1134.318 267.2938
1134.318 260.4298
1134.318 253.5115
1134.318 246.5385
1134.318 239.5102
1134.318 232.4264
1134.318 225.2864
1134.318 218.0899
1134.318 210.8364
1134.318 203.5255
1134.318 196.1567
1134.318 188.7296
1134.318 181.2437
1134.318 173.6986
1134.318 166.0937
1134.318 158.4286
1134.318 150.7028
1134.318 142.9158
1134.318 135.0672
1134.318 127.1565
1134.318 119.1831
1134.318 111.1466
1134.318 103.0465
1134.318 94.88231
1134.318 86.65345
1134.318 78.35944
1134.318 69.99977
1134.318 61.57392
1134.318 53.08137
1134.318 44.52158
1134.318 35.89403
1140.318 27.19817
1415.168 18.38598
1415.168 7.328121
1415.168 -3.817275

264.6757
266.771
268.8829
561.9114
826.9577
833.5045
840.1031
846.7539
853.4573
860.2139
867.0239
873.8878
880.8061
887.7792
894.8074
901.8913
909.0313
916.2278
923.4813
930.7921
938.1609
945.588
953.0739
960.6191
968.224
975.8891
983.6149
991.4018
999.2504
1007.161
1015.135
1023.171
1031.271
1039.435
1047.664
1055.958
1064.318
1072.744
1081.236
1089.796
1098.424
1113.119
1396.782
1407.84
1418.985

43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90

93688.69
93008.13
92324.17
91636.79
90945.98
90251.71
89553.97
88852.74
88148
87439.74
86727.94
86012.58
85293.64
84571.11
83844.97
83115.19
82381.77
81644.67
80903.9
80159.42
79411.21
78659.27
77903.57
77144.09
76380.81
75613.71
74842.78
74067.99
73289.33
72506.78
71720.31
70929.91
70135.56
69337.24
68534.93
67728.6
66918.25
66103.84
65285.36
64462.78
63636.1
62805.28
61963.31
60819.28
59669.52
58031.84
55452.98
52861.23

1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1149
1155.994
1453.85
1453.85
1936.032
2869.018
2869.018
2869.018

468.4434
465.0407
461.6209
458.184
454.7299
451.2585
447.7698
444.2637
440.74
437.1987
433.6397
430.0629
426.4682
422.8555
419.2248
415.576
411.9088
408.2234
404.5195
400.7971
397.0561
393.2964
389.5178
385.7204
381.904
378.0685
374.2139
370.34
366.4467
362.5339
358.6016
354.6496
350.6778
346.6862
342.6746
338.643
334.5912
330.5192
326.4268
322.3139
318.1805
314.0264
309.8165
304.0964
298.3476
290.1592
277.2649
264.3061

680.5566
683.9593
687.3791
690.816
694.2701
697.7415
701.2302
704.7363
708.26
711.8013
715.3603
718.9371
722.5318
726.1445
729.7752
733.424
737.0912
740.7766
744.4805
748.2029
751.9439
755.7036
759.4822
763.2796
767.096
770.9315
774.7861
778.66
782.5533
786.4661
790.3984
794.3504
798.3222
802.3138
806.3254
810.357
814.4088
818.4808
822.5732
826.6861
830.8195
841.9679
1144.033
1149.754
1637.684
2578.858
2591.753
2604.712

91 50256.51
92 47638.78
93 45007.96
94 42363.98
95 39706.78
96 37036.3
97 34352.46
98 31655.2
99 28944.46
100 26220.17
101 23482.25
102 20730.64
103 17965.28
104 15186.09
105
12393
106 9585.949
107 6764.861
108 3929.668
109 1080.298
110 -1783.318

2869.018 251.2826
2869.018 238.1939
2869.018 225.0398
2869.018 211.8199
2869.018 198.5339
2869.018 185.1815
2869.018 171.7623
2869.018 158.276
2869.018 144.7223
2869.018 131.1008
2869.018 117.4113
2869.018 103.6532
2869.018 89.8264
2869.018 75.93044
2869.018 61.96501
2869.018 47.92974
2869.018 33.82431
2869.018 19.64834
2869.018 5.401492
2869.018 -8.916589

2617.735
2630.824
2643.978
2657.198
2670.484
2683.836
2697.255
2710.742
2724.295
2737.917
2751.606
2765.364
2779.191
2793.087
2807.053
2821.088
2835.193
2849.369
2863.616
2877.934