PERSONAL FINANCE FOR BEGINNERS - COMPANION FILES
julianrsterling.com/money

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Revised 24 September 2026.

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WHAT IS IN THE ARCHIVE

1. The book's workbook, re-verified
   Getting_Out_of_Debt.xlsx           Chapter 7 and Appendix G
   00_START_HERE.md                   what changed is at the end
   The workbook closes on a Checks sheet: 26 checks, every one PASS.

2. Blank_Model_Set/  (new)
   Getting_Out_of_Debt_Blank.xlsx
   The same model with its 34 inputs emptied, for your own debts. The
   Checks sheet counts what is still missing and tests what holds for any
   inputs. The book's figures are in book_inputs.txt: type them back in and
   the book's results come back.

3. Working_Documents.pdf  (new)
   Twelve printable pages: the debt list, the one calculation to do
   tonight, the minimum read over time, choosing the method, the payoff
   calendar, the monthly budget, the spending log, the starter emergency
   fund, the emergency procedure, one debt of your own, the questions
   before signing any debt offer, and the debt-free date with the levers
   that move it. A4, fits Letter.

4. Forty_Questions.xlsx  (new)
   Forty questions across the book, marked by the file as you type.

5. Cases/  (new)
   Case_1_The_Minimum_That_Falls.xlsx      Chapter 7: the payment held level
   Case_2_The_Snowball_That_Rolls.xlsx     Chapter 7: rolling what a cleared debt frees
   Case_3_The_Consolidation_Offer.xlsx     Chapter 7: one loan for three cards
   Each case: the note on the first sheet, the model after it, checks at the end.

The files open in Excel, LibreOffice Calc, Google Sheets and Numbers. No macros.
This is education, not financial or debt advice.
