Debt Free Businesses

New Year's Resolution: Save money instead of spending and debt: free spreadsheets out there?
I 'm not talkin about loans on a house or condo, ready for other things as land / homes / condos. (My partner and I are owners of a condo, and earn more than the required minimum payments on our mortgage) Are there any good websites or spreadsheet templates on the net this goal your details for you on an annual basis? I want to get rid of my credit card debts of $ 12k and save enough money to start a small company (my partner is not aware of these, otherwise it would explode). I would like to work in my crappy job if my expenses are covered and have income stream … I just want to pay my debt credit card without my partner know and then start a small business and tell him when the company is on the ground. So I need the spreadsheet for these two things.
www.msn.com used to have many spreadsheets to use for free. Or try www.money.com
The Trillion $$$ Dollar US Economic Deficit Caused By Our Government