#BudgetCalculator

[channeltechnologies]

Plan your event with confidence using our easy-to-use event budget calculator. Get instant cost estimates and manage your budget effortlessly.

[designsforyourworld]

Home Budget Calculator. PDF planner with realtime Calculations.

-PDF file with realtime calculations. -No need for Excel! Fill it out using web browsers, windows, mobile, mac, tablets, etc.

[officevision]

Commercial Office Fitout Factors To Consider During The Planning Stage

If you’re starting a new business or relocating your existing one, you may be considering how to best outfit your office space. Though there are plenty of things to consider when it comes to commercial fitout office in Melbourne, there are some essentials that will help guide your planning process.

Set a Timeline

The most important thing to keep in mind is that no project should be rushed. It’s important to set a timeline so you can stay on track with your office fit-out Melbourne project, and it will help you manage your expectations. The following are some key points that should be included in your timeline:

How long will it take? Be realistic about the time frame for the completion of each step.

When will the project start? Set a date for when you want this stage to begin and include any key milestones along the way. Make sure everyone involved with the project is aware of these dates so they can plan their schedule around them.

This includes suppliers, contractors, designers, etc. Everyone who needs information from or input into this phase of work should have access at all times during construction.

Hence, there isn’t any delay in communications between them and their team members/colleagues/clients/etc., depending on who may need regular updates about progress being made or questions answered before making decisions based upon those answers (which could potentially hinder progression).

Calculate Your Budget

Calculate your budget. A good fit-out involves not just the equipment and furniture you need to outfit your office but also the costs associated with the demolition and removal of existing furniture and equipment.

You'll also have to factor in any additional expenses that may arise during the planning stage, such as hiring an interior designer or purchasing a new printer for your office.

Plan for the future. While it's important to keep an eye on your current budget during this process, don't forget about what's coming down the line: The next time someone has a birthday? Your monthly rent is up again? It's helpful to have some cash saved up at all times so these kinds of surprises don't blow through all of your money unexpectedly!

Forecast What Your Future Office Needs Will Be

You’ll want to look at the future needs of your business, as well as the future needs of your staff, customers and suppliers. If you have a large number of repeat customers or regular deals with particular clients then it can pay off to set up a dedicated area for them without having to separate them into different rooms or partitions.

Design Your Office Around Your Brand

The first step in designing your office around your brand is to start by creating a logo. If you already have a logo, make sure that it looks good and works well on all devices.

Next, choose colours that complement your brand identity and project the right message about how you want to be perceived by customers and visitors. For example, if you are selling luxury products or services, then consider using colours like gold or white, while if you want to show innovation, then consider using bright colours like blue or yellow.

Finally, use fonts that match up with the rest of the company’s identity such as posters or brochures so that all materials look consistent when viewed together in one place at once time instead of being scattered around different places on different sites where there may not be any consistency between them (e..g., social media pages).

Conclusion

By keeping the above considerations in mind, you can design a commercial office fit in Melbourne that will be ideal for your business. This encompasses both the long and short-term needs of your company but also ensures your brand is prominent throughout the space.

[edohpa]

#MortgageCalculators ~ FREE Home Financing Calculators & More!

#MortgageCalculators ~ FREE Home Financing Calculators & More! Easy to use site with a ton of invaluable information! Read my thoughts on the blog: https://freebiesdealsandsteals.com/mortgage-calculators-info/ #MortgageCalculators #Budget #DTI #BudgetCalculators #MoneyTopics #Home #Refinancing #Rent #ReverseMortgages #Mortgages #Selling #HomeBuying

MortgageCalculators.info https://www.mortgagecalculators.info/ As a mom of two young adults heading out into the world trying to find their place and more importantly their own space, its very imperative that they do their due diligence and research the best options for them. Home finance and money topic sites that offer the average person budget resources, rental calculators, mortgage…

[car-loanz]

How much car can you afford?

  Run the numbers with our calculator to shop with confidence

You want to buy a great car for your budget as well as for you, the driver. That’s a solid plan. And an easy one, right? There are plenty of commercials telling you how affordable it is to get into a new or pre-owned vehicle. Many of those may be good options but, wherever you go to buy your next vehicle, you’ll be able to do so with more confidence if you work out how much car you can afford yourself.

If you’re financing the purchase, like most buyers, it starts with figuring out what’s available in your monthly budget for a car payment and those other auto-related expenses, including insurance, gas and maintenance.

Take all your monthly expenditure into account, such as rent or a mortgage payment, utility bills, food and entertainment, perhaps with the help of a budget worksheet, to see what you can accommodate. Now you’re in a good position to work out a potential loan amount with an affordability calculator.

The old 20/4/10 rule for auto-ownership affordability, with a 20 percent down payment, four-year loan and no more than 10 percent of gross income going toward the loan and insurance, is no longer feasible according to Consumer Reports. That’s partly because average car prices, and payments, are rising, although buyers are opting for longer loans to keep their payments down.

So with the calculator before you, type in your desired monthly car payment along with the loan term in months, APR, and down payment to get an estimate that works for you.

Payment

Budget

Monthly Payment

Early Payoff

Refinance

Fuel Savings

×

Budget calculator

By the Numbers

Need a little help with your desired monthly payment? Fill in the boxes below to see just how much you are spending.

Your monthly income

Your monthly income

$

Monthly expenses

Rent/mortgage

Rent/mortgage

$

Food

Food

$

Utilities

Utilities

$

Fuel

Fuel

$

Insurance

Insurance

$

Other

Other

$

Please check the numbers

Your desired monthly payment is

0

Close window

How Much Car Can I Afford?

Great question. Fill in the boxes below to help with the answer and determine what price you can afford to pay for a car.

Your desired monthly payment (Help me)

Your desired monthly payment

$

Loan term

Loan term

mo

APR*

APR*

%

Down payment

Down payment

$

Please check the numbers

You may be able to afford a loan amount up to

0

var scusaCalculatorsInit = scusaCalculatorsInit || []; scusaCalculatorsInit.push( { action: 'initAffordability', params: [ "affordabilityCalculator-1532690573-1", "budgetCalModal-1532690573-1" ] } );

By the Numbers

Need a little help with your desired monthly payment? Fill in the boxes below to see just how much you are spending.

Your monthly income

Your monthly income

$

Monthly expenses

Rent/mortgage

Monthly expenses

$

Food

Food

$

Utilities

Utilities

$

Fuel

Fuel

$

Insurance

Insurance

$

Other

Other

$

Please check the numbers

Your desired monthly payment is

0

var scusaCalculatorsInit = scusaCalculatorsInit || []; scusaCalculatorsInit.push( { action: 'initBudget', params: [ 'budgetCalculator-1532690573-1' ] } );

Estimate your monthly new or used car loan payment

This tool can help you figure out how much you might spend each month for your car.

Loan amount

Loan amount

$

Loan term

Loan term

mo

APR*

APR*

%

Down payment

Down payment

$

Please check the numbers

Your monthly payment would be

0

var scusaCalculatorsInit = scusaCalculatorsInit || []; scusaCalculatorsInit.push( { action: 'initMonthly', params: [ 'monthlyPaymentCalculator-1532690573-1' ] } );

A Little Extra

Fill in the boxes below to see how putting additional money toward your monthly payment may affect your payoff amount.

Vehicle purchase price

Vehicle purchase price

$

Loan term

Loan term

mo

APR*

APR*

%

Remaining months

Remaining months

mo

Increased monthly payment

Increased monthly payment

$

Down payment

Down payment

$

Please check the numbers

Loan term shortened by

0

Total interest saving

0

var scusaCalculatorsInit = scusaCalculatorsInit || []; scusaCalculatorsInit.push( { action: 'initEarlyPayoff', params: [ 'earlyPayoffCalculator-1532690573-1' ] } );

The Refinance Option

Fill in the boxes below to discover if you can save money by refinancing your current vehicle.

Current loan

Loan balance

Loan balance

$

Monthly payment

Monthly payment

$

APR*

APR*

%

New loan

Refinance amount

Refinance amount

$

Loan term

Loan term

mo

APR*

APR*

%

Please check the numbers

Monthly payment saving

0

Monthly payment

0(current)

0(new)

Interest saving

0

Interest payment

0(current)

0(new)

var scusaCalculatorsInit = scusaCalculatorsInit || []; scusaCalculatorsInit.push( { action: 'initRefinance', params: [ 'refinanceCalculator-1532690573-1' ] } );

×

Fuel efficiency

Please select a vehicle

1. Make

2. Model

3. Year

4. Options

1. Make Loading..

2. Model Please make the previous selection

3. Year Please make the previous selection

4. Options Please make the previous selection

Clear all

*MPG values represented are combined fuel economy of each vehicle which is weighted on an average of City (55%) and Highway (45%) MPG values.

Close

Change in Cost

To see the potential savings in fuel cost from your current vehicle to a new one, fill in the blanks below.

Combined MPG of current vehicle (Help me)

Combined MPG of current vehicle

MPG

Combined MPG of new vehicle (Help me)

Combined MPG of new vehicle

MPG

Annual mileage (approx.)

Annual mileage (approx.)

miles

Fuel price

Fuel price

$/gal

Avg. regular fuel price is

Please check the numbers

Annual fuel savings with the new car

0

var scusaCalculatorsInit = scusaCalculatorsInit || []; scusaCalculatorsInit.push( { action: 'initFuelSavings', params: [ 'fuelSavingsCalculator-1532690573-1' ] } );

*APR is the Annual Percentage Rate or the cost of your credit at a yearly rate.

As most people buy pre-owned rather than new, let’s see what a potential used car loan could look like, for example. Entering a payment of $371, the average for a pre-owned car; a loan of 60 months, close to the average five-and-a-half-year term; four percent APR, and a down payment of $2,000 suggests an affordable loan amount up to $22,145.

When entering loan duration, bear in mind that, although extending a loan term is one way to reduce a monthly payment, a longer loan means paying more in interest charges than with a shorter loan of the same APR. Lengthy loan terms may also pose a greater risk of the owner becoming upside on a car, when the value of the vehicle is less that the amount owed on the note.

What should you give for a down payment? Money down reduces the amount you’ll need to borrow as well as interest paid over the life of the loan, so a good chunk can really help. While the advice has been to aim for 20 percent of the purchase price, the average down payment is actually much lower, standing at just 10 percent for new and used cars in 2015.

If you have a car to trade in, the trade-in value can also be entered into the calculator as part of the down payment. Look up the trade-in value of your vehicle to get a good idea of what you can expect to get for it. Alternatively, you might want to sell it privately, and look up the private-party-sale price.

Sometimes buyers still owe money on the car they’re trading in, in which case the dealer could offer to rollover the balance into financing for the new vehicle. That might also lead to negative equity, and is something to consider, too.

What your loan amount can cover

Don’t forget what you’ll pay for a car doesn’t end with the sticker price. Additional costs like sales tax, title fees, registration and any add-ons you may want – such as a service contract or keyless entry – will bump up your final figure. You may want your loan amount to cover all of this.

What if you’re having trouble keeping to budget?

If your loan estimate isn’t dovetailing with your budget, try these tips from the Consumer Financial Protection Bureau to reduce its cost:

Save for a larger down payment

Buy a less expensive car

Get fewer add-ons

Improve your credit score

Credit score is typically a major factor for lenders making decisions on auto loan applications, and the terms offered, including the APR. Consumers with better credit generally have a better chance of approval and lower rates.

Checking your credit reports and disputing any errors, then practicing good credit habits such as paying your bills on time, are among the steps recommended to improve a score.

Empower yourself with a preapproved loan

Another smart way to stay within budget when buying a car is to get preapproved for financing. An online lender like RoadLoans enables you to apply for an auto loan in your own time and get an instant decision. If approved, you’re empowered to shop like a cash buyer, already knowing just how much car you can afford and the terms of your loan.

RoadLoans provides its customers with multiple loan offers tailored to their unique needs. Just select the best option, download your loan packet and visit your recommended dealership nearby. Alternatively, use our dealer locator to find another.

We work with 14,000 auto dealerships able to show you select new and used vehicles meeting our high standards for quality, so you can buy with confidence.

Peace of mind

The luster of a new vehicle means it’s easy to rush into a purchase but, with some careful planning, knowing how much car you can afford will help you arrive at a good choice for the years of ownership to come.

from RoadLoans Auto Blog | RoadLoans https://ift.tt/2AgmDf5 via IFTTT

[madscreations]

It's not the money that matters, it's how you use it that determines its TRUE VALUE. At MADS Creations, we care. So our Interior #BudgetCalculator is here to help you with almost any question you have about evaluating the home you desire. http://madscreations.in/location/

[sparklerparties-blog]

Party Budget Tips

Behind every successful party is a planner who knows how to manage expenses. Costs can add up quickly, and without planning, the end result can be shocking. Below are a few tips to help you create a realistic budget and stick to it.

Tip 1: Use our free budgeting tool

Before you visit venues and start thinking of food and beverages, download our free budget worksheet. Without a budget in hand, you really have no idea of how much you can spend so why be tempted by the Ritz only to be disappointed when you can’t afford it?

Tip 2: Calculate a realistic budget

Before starting, estimate the number of guests who will attend your party. How many are you inviting? How many do you expect to come? You will need this information in order to calculate costs.

Venue Rental: How much are you willing to pay to rent the venue? Some venues do not charge a rental fee if a certain amount of money is spent on food and beverage. Others charge a rental site fee that can range from $500 to $5000.

Food & Beverage: If your event will be at a full service venue, you will probably have a per-person cost for food and beverages. Before meeting with a caterer or banquet manager, use your budget sheet to determine how much you can spend. Most caterers and venues offer a range of options from simple pasta to steak and lobster, so don’t be shy about asking for a lower cost option if needed. Also, plan for extra taxes & gratuities for the food and beverages. This cost can be higher than you think and goes up as food costs go up.

Alcohol: Bevmo has a handy alcohol calculator that can help you determine how much alcohol you should have. That number will help you determine the price per-person and the total price.

Decor: Will you be purchasing, renting or borrowing decor? Think about how fancy your decor needs to be and how much you can spend. If your budget is tight, ask family, friends, and volunteers for help locating items to borrow and for DIY ideas. If you are crafty, or have crafty friends, you can save a lot by making your own centerpieces, wall art and photo booths. Pinterest is a great place to find DIY décor projects to fit any theme.

Music: Will you have a band, DJ or your own playlist? Good music is an important part of a party and not an item to skimp on. People will remember having a great time dancing more than what food was served. If money is tight, a good playlist on an iPod or phone app such as Spotify can work fine. However, a DJ or Band can add an amazing energy and get people up out of their seats.

Favors: Not every party needs favors, but if you want to have them, do some research to find creative options that don’t cost a lot. Find out if your party helpers have any special talents that could be used for DIY favors. Consider seedlings, photos, or homemade cookies as eco-friendly, low cost gifts.

Invites: There are a few options when it comes to invitations: have them printed, print them yourself or use an on-line service like evite. Online invites are great but receiving one in the mail has the advantage of being a constant visual reminder that guests can post on their refrigerator. If your budget allows, consider sending both, so your guests have two reminders and can easily access the party details from any location (including while they are driving to the event).

Tip 3: Know where to cut back

Take the time now to complete a budget worksheet. If the final estimate is a shock, review your costs and see where you can cut back. It’s okay to dream big, but now it’s time to get real. Go through each line item and determine which ones you can cut or reduce. Can you choose a less expensive dinner option? Find decor items in a secondhand store or on craigslist? Ask a music-loving friend to DJ? With a little creativity, you can save money and still wow your guests.

If you haven’t already, download our free budget worksheet now to get started.

Have some great ideas for saving money or creating a budget? Contact us!

[workoneindy]

Have you wondered why you should create your account at WorkOneIndy.com? WorkOne Indy Virtual Career Advisor Shannon M. shares a few of the tools available only to registered users. Log-on to WorkOneIndy.com to access these tools and more!

[channeltechnologies]

Event Budget Calculator by Channel Technologies

Create your first-cut event budget in seconds! No more complex calculations, endless spreadsheets, or gathering quotes from multiple event companies!

Channel Technologies presents you with an ‘Event Budget Calculator’ that allows you to input your needs and preferences and get an instant estimation of your event cost.

Try it now!

[madscreations]

Introducing a user-friendly #BUDGETCALCULATOR at MADS Creations. Now evaluating your dream home is as easy as it sounds. Just answer a few simple questions as per your preferences and get an accurate budget in no time. Let's PLAN YOUR HOME BETTER. So visit our website and TRY NOW! http://madscreations.in/location/