By . Tracking Spreadsheet. At Tuesday, May 04th 2021, 00:47:31 AM.
Many people would love to simplify their budgeting process. However, since many cannot use the Excel worksheet, there has been a desire to have an easily available and user friendly budgeting spreadsheet that would enable you budget with ease. Many versions of these spreadsheets are available and can easily be used with Microsoft Office such as Excel hence making it easy for many people. Whether you are a starter or an experienced user, you can always use a free version of personal budget spreadsheet template. Although you may prefer some other versions such as quicken at later stage, you will probably love coming back o use the template from time to time. The budgeting spreadsheet would go a long way in ensuring that you manage your finances pretty well and ensure that everything is working as per your requirement.
Only with STD testing will you know your status for sure. Many sexually active people are reluctant to get STD testing because they dont have a primary doctor, dont want to experience an embarrassing doctors office visit or they dont want to submit STD testing to their health insurance company. With confidential online STD testing you can avoid an embarrassing visit to your familys doctors office. Anonymous STD testing insures your test results are only shared with you and not your insurance company. With same day anonymous STD testing your test results are available within 24 to 72 hours so you have your test results quickly and can get the treatment you need as soon as possible. If left untreated, STDs like chlamydia and gonorrhea can cause infertility; HPV can cause anal and cervical cancers and advanced syphilis can cause damage to the brain, heart and other organs. In the case of genital herpes and HIV/AIDS there still is no cure. Medicine can only treat outbreaks and symptoms. Keeping a spreadsheet of your prospects and their STD status may seem extreme, but it could save your life. The more you know about your partners sexual health, the more you can protect your own. Using condoms and getting STD testing done regularly are the best ways to protect your sexual health besides abstinence. Dont wait. Get tested.
Since this is a residential rental apartment building it makes sense to include rental income in your real estate spreadsheet. Thats obvious. What isnt so obvious are things like interest on tenant deposits, subsidies, tax refunds, etc. When youre building the spreadsheet you need to estimate when those revenues will arrive, and that relates to the number of tenants, the rental rates you charge, how long the lease term is for each tenant, etc. You also need to assume some late payments, evictions, and vacant units. If you havent invested in the area before this can be a challenge. You can gather data on that by speaking with local real estate agents, lenders, and tax agencies, or subscribe to an industry database that covers the local area. In most locations you also need to consider taxes. Are these charged up-front? As part of the mortgage loan payments? How frequent are they? When do they actually need to be paid? Are there any accounting costs? Can you use any tax credits or breaks? How do you calculate depreciation if that is a tax deduction? Taxes can be quite complex and you need them in your calculations or your investment value estimates will be incorrect.