Here's a screen shot:
And if you want to download it and try it out for yourself, here you go:
Disclaimer: I make no warranty on this at all, and furthermore, I made it in OpenOffice (free! go download it now!) and I don't know how it looks or works in Excel. It works nicely in OO, and that's all I cared about.
If you try it, and like it, let me know. If you try it, and think of something you'd like to see in it, let me know that too. If you try it, and it helps you pay off your debt, send me some of your newfound spare cash.