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                        TO:    An interested  Christian family                                                                                        From: Pen Pinscher                                                                                                                                                                                                                                                        FILE: 3133-01/pen

                        RE:     Example of  a Financial Facts report                                                                                Originated:  September  2004        

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        This scenario is within context of my helping  a supposed couple  named  Bill/Jenny,  via the Internet,   do the bookkeeping  of  their personal finances as they utilize  Jim Bramer's   eEnvelope  system.  Please Click Here and get an idea of how I now help them have info to enable them to prudently do their everyday buying, etc.

        One of the reasons that Bill and Jenny sought my help at this point in their life was that they were borrowing money unwisely and they had run up some rather large debts ----  that had nothing to do with buying a residence or acquiring a vehicle, etc.    Some of it was even carried over from their College days. 

        So I encouraged them to monitor this info and receive at least monthly which would look something like this: 

			As of: xx/xx/xx
Payments that are late now:
	Church Obligations:
		Tithe	$ 100.00
		Bldg Fund Pledge	$ 250.00	$ 350.00
	Old Credit Payment Due
		ABC Credit Card Co	$.00-
		XYZ Credit Card Co	$ 50.00	$ 50.00
	Student Loan Payment Due
		Bill	$.00-
		Jenny	$ 75.00	$ 75.00
	Total or Offset Account			$ 475.00
Obligations that are due later:
	Church Obligations:
		Bldg Fund Pledge		$ 5,000.00
	Old Credit Due Later
		ABC Credit Card Co	$ 8,455.00
		XYZ Creditr Card Co	$ 2,966.00	$11,421.00
	Student Loans Due Later
		Bill	$ 5,000.00
		Jenny	$ 7,500.00	$12,500.00
	Total or Offset Account			$28,921.00
Original Debt:
	Church Obligations:
		Bldg Fund Pledge		$ 7,000.00
	Old Credit Card Debt
		ABC Credit Card Co	$10,844.00
		XYZ Credit Card Co	$ 5,333.00	$16,177.00
	Student Loan Obligations
		Bill	$10,000.00
		Jenny	$15,000.00	$25,000.00
	Total or Offset Account			$48,177.00

        We wanted the report to show the three categories above , namely:

            1>  The amount of the original debt 
            2>  Amount owed now,  and
            3>  Information  if  any of the agreed payments were due now and has not yet been made.   

        We concluded the best way to do this was to use an Excel doc and not include such info within the QBooks software as  Jim suggests when you Click Here .

       I can only be contacted Online at Brad@rpfin.org     Click Here and find out why.

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