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I have one excel files for my general "finances" overview:
Tab1: Pay-plan (depending on any balances I may be carrying and/or budgeted/expected spendings, ill set a plan to PIF or pay by certain date, etc based on pay-dates)
Tab2: Balances/Utilization: Just keep this updated with most current balances, utlization, statement close dates, etc.
Tab3: Terms/Rewards/etc: Keep a mostly fixed list of all my CC accounts with APRs, when intro APRs expire, when CLI timeframes, cashback reward structures, etc
Tab4: Budget-plan: mostly fixed list of fixed expenses, spending categories, savings, etc. which i then can use to plan which cards i'll use for each category (this helps to set plan for future plan in Tab1)
Tab5: AAoA: self-explanatory
Here is a screenshot of what I use. I like it because I can put at util % and it tells me how much I need to pay.
(please dont judge balances....I'm working on it )
I have one here too and it goes something like this:
Card Name | Limit | APR | Promo APR? | Promo End date | Date Opened | Notes
Total Current Card Balances: (inputted)
Then it spits out the following information:
Total Limits:
Average Limit:
Utilization across all Accounts:
Average Open Date:
Average Age of Open Accounts:
As far as stuff like requesting CLIs, APR decreases, things like that...I have email reminders currently setup to notify me when I'm "due" for one (GE Accounts every 4 months, etc.). The system seems to be working pretty well for me.
@essexjet wrote:Here is a screenshot of what I use. I like it because I can put at util % and it tells me how much I need to pay.
(please dont judge balances....I'm working on it )
*No judging, with a system like that, it seems you just need to follow it and you should be good.
This is what Im talking about tho, I'd appreciate a template if you can send it over to me :-)
@TheClub wrote:May be useless for some but it definitely helps me tremendously. I have all my CC's listed with opening dates, AAOA, aprs, current balances, utl, AF's (and when they're due), and a nice little line graph attached to monitor my spending habits.
Even have all the info listed for my future CC's with expected opening dates and a SN of best current offers.
Excel is the best for managing and keeping up with finances.
Hey! It sounds as if you copied my sheet! I have every bit of info I even THINK I might need about each card, my car loan, and even a card that I closed last year. Payments, due dates and statement dates are highlighted. Each month's payment has a different highlight color that I fill in once that cards auto-pay posts. I leave NOTHING to chance. Excel is not new-fangled, but it sure is helpful...and it's password protected. This way I can see at a glance what's going on with each account without having to trust that info to someone else's server. Really works for me.
https://www.dropbox.com/s/ift2vyypj4cf9zw/CCCS2008.xls
@essexjet wrote:Here is a screenshot of what I use. I like it because I can put at util % and it tells me how much I need to pay.
(please dont judge balances....I'm working on it )
You should upgrade to LibreOffice!
that spreadsheet is awesome, might take some ideas from it .
Thanks
I put AmEx on there just for the AAOA but leave everyting blank as it is a Green Card.
@essexjet
Nice setups,,, I hadn't even thought about it till I read this thread, but it puts all my info in one place and seems neat,handy and easy to use...
Thanks for the template.....