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ARM Calculator for Excel
Before you get into debt, plan to get out!
Nobody should ever take on a debt without first having a good handle on their finances. First, you need a budget to know how much debt you can afford. Second, you need to work into your budget a plan to get out of debt again. Third, you need the discipline to follow through with your plan. I can't give you the discipline, but I can recommend the use of Vertex42's budget spreadsheets and financial calculators.
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