You can use templates to help you get healthier. There are a couple of designs for a diet and exercise diaries and grocery lists. You can even create a household budget or a household chore list. Figuring out how long it will take you to pay of your home loan can be done using a Microsoft Word template. Seems like there might be template for every aspect of life.
Finally, when applying discount factors, where do you intend to get your discount numbers? For a company with existing debt and equity capital you can calculate WACC and use that. For a startup company you need to figure out a risk_adjusted cost of capital that makes sense. Usually this is not just a risk_free rate which only the largest companies in the world have access to. It's probably something higher.