| A | B | C | D | E | F | G | H | I | J | |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ||||||||||
2 | Bills.com Debt Relief Guide | |||||||||
3 | Preliminary Step: Your Debt Relief Ratios | |||||||||
4 | (Fill in Orange Boxes below) | |||||||||
5 | Current Month and Year | Feb-2018 | (Example) | |||||||
6 | ||||||||||
7 | Monthly: | Current Month Ratios vs Benchmark | ||||||||
8 | Income (Gross) | $7,500 | Ratios | Benchmark | My Rate | Status | ||||
9 | Household Payments (Mortgage, Insurance, Property Tax or Rent) | $1,800 | Debt To Income (Household) | 25% | 24% | doing okay | ||||
10 | Non-household Debt Payments (Auto loan, student debt, credit card,etc) | $700 | Non-Household Debt | 8% | 9% | needs improvement | ||||
11 | Savings | $400 | Total DTI | 33% | 33% | needs improvement | ||||
12 | Savings Rate | 10% | 5% | needs improvement | ||||||
13 | ||||||||||
14 | ||||||||||
15 | Note: add tabs for each month | Instructions: Fill in Your Figures | ||||||||
16 | Your Data | |||||||||
17 | Month-year | Household DTI | Total DTI | Savings Rate | Credit Score | Income (Gross Monthly $) | Household Payments (Mortgage, Insurance, Property Tax or Rent) | Non-household Debt Payments (Auto loan, student debt, credit card,etc) | Savings | |
18 | February-2018 | 24% | 33% | 5% | 680 | $7,500 | $1,800 | $700 | $400 | |
19 | April-2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
20 | May 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
21 | June 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
22 | July 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
23 | August 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
24 | September 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
25 | October 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
26 | November 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
27 | December 2024 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
28 | January 2025 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
29 | February 2025 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
30 | March 2025 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
31 | April 2025 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||
32 | May 2025 | #DIV/0! | #DIV/0! | #DIV/0! | ||||||