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TeachMeFinance.com Adjusted Balance Method -- Methodology of estimating finance charges as given by information in the Account Balance after accommodation for expenses and credits during the accounting period. With this formula, interest charges are less than under the Average Daily Balance and Previous Balance Method. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". Copyright © 2007 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.