COVID-19 may have affected your income and expenses through government imposed restrictions, your company's work policies or your own health.
Reno FX has created a Household Cash Flow worksheet to help you manage your money for 2021 and beyond. This worksheet is simply money in, money out and money left over. Use this if you are planning to purchase a house or want to know how your current house or rental expenses are impacting your ability to save or invest money.
The worksheet also calculates Gross Debt Services (GDS) and Total Debt Services (TDS). These percentages are used by mortgage lenders to determine if you qualify for borrowing when purchasing a house or renewing your mortgage.
House Effects resources
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