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I use a program called Check. It lets me know when payments are due several weeks in advance.
I have a dry erase board in my office and in the bottom right corner I list all my bills and obligations with due date and amount owed, starting with earliest due. Then I erase each one as it gets paid. Serves 2 purposes, I can keep track of everything I have to pay + sense of accomplishment as I erase them. I learned this from my DW that makes lists for all of her tasks.
This is a miniaturized version of part of the spreadsheet that I created to keep track of this kind of stuff:
I have 21 CC accounts. I have preprinted speadsheets that have user id and passwords plus a line for balance and payments. I spend an hour or so every weekend, while in front of the tv, logging in to each account checking balances and making payments as needed. It's a hobby, LOL!
Credit Karma also will link your accounts and send you emails when they're due. The credit companies themselves will also be able to do the same (the ones I have do) if you sign up for it. I think you can sign up for all kinds of alerts that way. My bank will also notify me as well through Bill Pay. I have lots of back up systems just to make sure I don't miss any thing. A nice desk calendar helps as well.
@DaveSignal wrote:This is a miniaturized version of part of the spreadsheet that I created to keep track of this kind of stuff:
Amazing! Very much or similar to some of the info as on my DB including the rewards section. I thought I was the only nerd with something like this. Nice!
@FinStar wrote:
@DaveSignal wrote:This is a miniaturized version of part of the spreadsheet that I created to keep track of this kind of stuff:
Amazing! Very much or similar to some of the info as on my DB including the rewards section. I thought I was the only nerd with something like this. Nice!
That is awesome. When I get more accounts to worry about, I'll have to find you and sweet talk you into sending me a blank version of this.
I do several things:
1. I have a sticker that says "Statement Cut: DAY OF MONTH" on the back of all of my cards to help me remember when the statement closes.
2. I use Manilla. It's an app that lets you manage all of your bills and see statements from their app/website.
3. I also use CK to help remind me when to pay.
4. I set up auto pay for the minimum payment in case I forget to pay a CC for whatever reason (This is my backup: I PIF all of my cards except for the Ring, and that I pay significantly more than the minimum.)
@FinStar wrote:
@DaveSignal wrote:This is a miniaturized version of part of the spreadsheet that I created to keep track of this kind of stuff:
Amazing! Very much or similar to some of the info as on my DB including the rewards section. I thought I was the only nerd with something like this. Nice!
There are a few users on here who have this sort of thing, just maybe not quite as intricate. We (myFICO forum members) are all a bit more carried-away than most people with credit cards and FICO scores! I am a computer science major. I know mySQL and PHP also, so could have done it that way, especially if I wanted to generate reports or triggered email alerts, but in this case a spreadsheet is most appropriate for me, considering how I use it.
@DaveSignal wrote:
@FinStar wrote:
@DaveSignal wrote:This is a miniaturized version of part of the spreadsheet that I created to keep track of this kind of stuff:
Amazing! Very much or similar to some of the info as on my DB including the rewards section. I thought I was the only nerd with something like this. Nice!
There are a few users on here who have this sort of thing, just maybe not quite as intricate. We (myFICO forum members) are all a bit more carried-away than most people with credit cards and FICO scores! I am a computer science major. I know mySQL and PHP also, so could have done it that way, especially if I wanted to generate reports or triggered email alerts, but in this case a spreadsheet is most appropriate for me, considering how I use it.
+1
You think!? LOL.
Very commendable indeed. I always like to see whether other members have something similar (or as intricate/detailed) that provides measurable metrics and tracks overall performance (scores, balances/utilization, rewards, AAoA/history, etc.).