2Oldcrabs, my wife refers to me as "Mr. Spreadsheet", so yes, I have a spreadsheet to share with you. If you are familiar with Excel, and it sounds like you are, you should be able to follow it easily. I have left in some of the values that we expect for Expenses, and of course you can change them, eliminate, add others, etc. The Income side is also something you can play around with (I zeroed everything out on the version so you can add your specifics). If you PM me with your e-mail address, I'll send it to you because I don't know how to attach a spreadsheet to this post.
Bill Davis
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