Need spreadsheet(s)

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Hi:

I'm trying to restart my contract/consulting biz and every time I get close to having the money to get on with it, something sets me back. I think I have another chance in the near future, but it'll be close because of my expenses and lousy income.

I never did set up a good spreadsheet in Excel, just little works in progress to allow me to look at revenues and expenses. I can't even find the things. My biggest problems are deciding how I want to arrange them and relearning how to merge cells into long text heading and stuff like that - oh using results from one cell in another with relative (?) reference (if I insert a row or column, I don't want it to break the spreadsheet.) I figure an experienced accountant knows what works for others and that'll probably do the job.

Right now, I'd like a basic template for a contracting biz.For my immediate needs, I need a way to figure out if I can afford the expenses (bills) I've incurred (or will shortly incur) given my lousy income. A cash projection thing. Something I can insert new payables into without breaking the thing.

If anyone can throw some Excel or Open Office speadsheets my way, I'd appreciate it.

Thanks in advance.

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