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The Debt Elimination Calculator uses Timing Components coupled with Debt Elimination Projection Components to form 42 different Debt Elimination Strategies in which an User may direct their Money Management techniques to generate more Wealth, more Assets, more Debt Reduction, more Cash Flow, etc. over a short period of time and without spending any extra money. The DEC Philosophy espouses the fact that if fluctuating Positive Cash Flow can be directed toward the particular Debt having a Debt Elimination Payment every month, then the maximum amount of Wealth could be obtained over the course of time. Managing Users own Money offline is much safer and less expensive then having the User to go to an online Money Merge Account to perform similar actions.

Debt
Elimination
Calculator

DEC is the precise tool you Need to eliminate your Debt and increase your Wealth without spending any Money!

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The Debt Elimination Calculator requires initial Data Entry of both Debt Profiles and Cash Flow Profiles. Most Debt Profiles is only setup one time unless some of the Debts are ARMs that had their Interest readjusted. Whereas, the Cash Flow data changes each and every month. Typically, Data Entry takes about 5 to 10 minutes a month to input.
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 Debt Elimination Data To Create Wealth Acceleration! 

Accurate Data is required to precisely asceratain the amount of Debt Reduction that can be expected for a given amount of Positive (or Negative) Cash Flow. The DEC Money Management Process has steps. 1) Determine last month's Total Revenue and Positive Cash Flow. 2) Determine which Debt would yield the most Interesting Savings using the Positive Cash Flow. 3) Commit a significant portion of last month's Positive Cash Flow to next month's Debt Elimination. The whole Money Management process typically takes less than 30 minutes a month. The Debt Elimination Calculator (DEC) employes a Debt Elimination and Wealth Acceleration system that depends on having accurate Data to predict the total amount of Interest Savings that could be obtained using a given amount of Positive (or Negative) Cash Flow. In most situations Debts can be defined once in the beginning; whereas, the amount of Cash Flow fluctuates every month.

The DEC Reporting of our Wealth Generation system requires knowing the actual amount of the Income and the Positive (or Negative) Cash Flow in a given month. Unlike many other Mortgage Acceleration systems requiring detailed information on how your Money is spent to determine the Cash Flow that could be used for Debt Elimination purposes, our system is much easier. To get the information that DEC needs, the end of month Check Book Statement(s) provides the total Deposits and Balance amounts. That is all of the data that DEC requires. As a result DEC's data entry process is at least 80% more efficient in terms of time to update the data entry.

 Data Entry Requirements: Debt Profiles! 

The Debt Elimination Calculator defines a Debt Profile as a cross section of data required to determine the exact amount of Debt Elimination that would mirror the exact amount of Wealth Generation created for a given amount of Cash Flow over a period of time.
The DEC data entry includes Debt Profiles. Unless the Debt is an ARM, a Credit Card, other Revolving Debt, or a Line of Credit, the required data is only entered once.

To the right is a representation of the type of data that is required to define what is called a Debt Profile. The first 8 fields are all required data entry. The other 4 fields have to do with the Loan Type selection, i.e. ARMs, Credit Card, or Line of Credit.

A Debt Profile can characterize any kind of Debt, e.g. mortgages, car loans, educational debt, revolving debt, boat loans, equipment, etc. (See the options for each of the possible selection choices at the bottom of the table.)

Original Loan Profile

 

Name of the Loan

Home

Name of the Bank

Bank

Original Loan Amount

$427,000.00

Initial Interest Rate %

6.125%

Term of Loan in Years

30

First Payment Date

4/1/2008

Frequency of Payment

Monthly

Loan Type

Fixed

Initial Term in Years

Arm Adjustment Interval

.

Arm Interest Rate %

 

Minimum Only Payment

 
Frequency of Payments:
Bi-Weekly, Monthly, Bi-Monthly, Quarterly, Semi-Annually, Annually
Loan Types:
Fixed, Arm, I-O Arm, Option Arm, Credit Card, Line of Credit
Arm Adjustment Interval:
Six Months, Annually, Three Years, Five Years

 Data Entry Requirements: Savings Profiles! 

 

The Debt Elimination Calculator defines Savings, Money Market, CDs, Investment accounts in two different Profiles. 1) Equity is represented as the sum of all Debts plus all Savings. Savings is represented as a negative amount. 2) All Monies from Savings, Investments and the like are added to the Positive Cash Flow each and every month. As a result, the data entry must be refreshed every month.
The DEC data entry includes Savings Profiles which have similar fields as the Debt Profiles. The difference is that the Savings or Money Market accounts appear as negative amounts to offset the total amount of Debt being defined.

Savings Profile

 

Name of the Loan/Savings

Money Mkt

Name of the Bank

Bank

Current Savings Amount

($5,000.00)

Interest Rate %

2.000%

 Data Entry Requirements: Income Profiles! 

The DEC Income Profile represents all of the Revenue and Positive (or Negative) Cash Flow that was received in the Checking Account(s) in a given month. Lines of Credit Interest has a negative impact on the resultant Cash Flow.
The DEC data entry includes Monthly Income Profiles which have to be refreshed every month. For Budget comparisons between properties the Income Source Name could be linked to a Loan, if the Linked data was Yes and the Name was the same.

Monthly Income Profile

 

Income Source Name

Home

Average Revenue

$7,873.15

Positive Cash Flow

$1,296.28

Monthly Expenses

$6,576.87

Income linked with Loan:

Yes or No


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