I am trying to creat a debt snowball spread sheet. I know there are some out there but none match up to what I'm wanting. I'm having trouble getting the if function formulas to work correctly and need to see if anyone can help me with it and it explain it better . What I can't get to work right it getting it to automatically change the payment amount when the balance is less than the payment and and carrying it to the next bill automatically for that month then adding the total to the next payment.
Example. Monthly payment is 400 balance is 250. Getting it to pay the 250 while carrying the 150 to the next bill for the same month then adding the 400 to the next monthly payment for the next debt.