CC Management / Utilzation Help

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Replied by yoyo11 on topic Re: CC Management / Utilzation Help

Hi Everyone]http://www.innovativepolitics.com/CC_Matrix.xls[/URL]

It is in Excel format, so you will need Microsoft Excel to use it. I also included a few examples so you can get started.

I hope it helps somebody!

James


Wow...boy do i need a spreadsheet...tried that ones that came with my computer...but it wasn't this helpful...thanks a bunch!!:cheesing:
11 years 5 months ago #31

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Replied by Meya on topic Re: CC Management / Utilzation Help

i like this one, it is similiar to the one i use except for I tally across and down to try and make it lesser for next year. does anyone here tally misc items (ie. gifts, hand out change, tickets, extras that are not included)? I do, so that at the end of the year, if I am lower than last year, I give the extra to my installment loans.
11 years 5 months ago #32

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Replied by shark6 on topic Re: CC Management / Utilzation Help

Thanks. I just copied the spreadsheet. I've added the following columns:

1. Credit Limit Increase
2. CLI Date
3. Balance at 35%
4. Fico Scores
11 years 5 months ago #33

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Replied by RivasGlo on topic Re: CC Management / Utilzation Help

I am excel and onenote crazy. Im am a VERY organized person and at my job when I first started there ppl use to call me OfficeDepot/Staples... BC everything you needed or wanted, I had it!

I have made a spreedsheet aswell that ive used ever since I started building credit.. As I get more cc's and utilities/bills, I slowly add them. It doesnt generate any percentages... Its just basic statement & pymt info. I just print it and write the info as it comes in.

Heres a screenshot....



S: Stmt // Y: Yes I do get stmts by mail; N: No stmts by mail
Closing Date: To keep track on when stmts usually print
I the have payment info to keep track of the pymts ive made during that billing cycle, of when, how much and method used when I pd and if it already cleared or posted... (I just put a check in that box once the pymt posted)... Some boxes are black bc that info is not needed... so that I dont accidently write something bc im a freak when it comes to doing and redoing stuff! ;) Or ill just bust my whiteout out!
11 years 5 months ago #34

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Replied by hjm331 on topic Re: CC Management / Utilzation Help

That's a really good spreadsheet. It will keep everything nice and organized.
11 years 5 months ago #35

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Replied by wildrage2 on topic Re: CC Management / Utilzation Help

No problem! I was going crazy with all the different due dates, etc. I thought it would be an added bonus to throw in the utilization formula's as well. Let me know if there are any ways it can be improved.
11 years 5 months ago #36

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Replied by rwmtd on topic Re: CC Management / Utilzation Help

Wildrage2, this spreadsheet is awsome. I've been looking on line for a piece of software that would do what this spread sheet does. Thanks so much for sharing. :cheesing:

RWMTD
11 years 5 months ago #37

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Replied by KMoney on topic Re: CC Management / Utilzation Help

Great Spreadsheet
11 years 5 months ago #38

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was created by wildrage2

Hi Everyone:

Since I recently opened up so many credit cards (like 10 in the past year), I created a spreadsheet for myself to calculate my utilizations, minimum payments, due dates, and target payments each month. It's nothing too amazing - just a way of seeing what your current utilization is and what payment is necessary to get to the target utilization (which you define).

I thought it might be useful for others, so I posted it to my webspace:

http://www.innovativepolitics.com/CC_Matrix.xls

It is in Excel format, so you will need Microsoft Excel to use it. I also included a few examples so you can get started.

I hope it helps somebody!

James
11 years 5 months ago #39

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