topic Re: Help Broken Calculator!!! in Credit Cards

Help Broken Calculator!!!

fishbjc — Wed, 23 Jan 2008 21:57:35 GMT

I would like to figure out the util ratio & my calculator is DEAD. Can someone help?

FireStone $1000 limit $0 Bal

B. Buy $3100 limit $0 Bal

Dillard $1100 limit $0 Bal

Sears $250 limit $0 Bal

Cap 1 $2k limit $0 Bal

Hooter $1k limit $0 Bal

Kay $1.5 $0 Bal

Target $300 $0

Crown $1500 $0

Amex $699

B of A $2000 $359

GM $1500 $1300

Chase $10k $7,500

BP $5300 $4,500

Re: Help Broken Calculator!!!

fishbjc — Wed, 23 Jan 2008 22:01:04 GMT

I guess the pencil still works....so I'm about 45% util...hmmmm

I have 12k coming in....if I pay off $2500, should be at 40%. I hope this makes a nice difference in the score. I'm currently at 80%.

Re: Help Broken Calculator!!!

Anonymous — Wed, 23 Jan 2008 22:03:27 GMT

Bringing it below 50 should definitely make a diff. Let us know.

Re: Help Broken Calculator!!!

fishbjc — Wed, 23 Jan 2008 22:38:19 GMT

will publish the new scores if anything EVER updates.

Re: Help Broken Calculator!!!

Anonymous — Thu, 24 Jan 2008 04:19:01 GMT

If you google "online calculator," you can find some free calculators available for use. I don't like the calculator that came with my computer software, but I found one that's not too bad for my purposes at caculateforfree.com.

Re: Help Broken Calculator!!!

Anonymous — Thu, 24 Jan 2008 14:03:16 GMT

This might be a little excessive, but I use Excel to keep track of util % (and estimated payoff timeframe).

It makes juggling 7 cards (all with balances) much easier, and also helps me figure out the best way to balance payments to both pay them off faster and keep util. as good as I can get it.

It also helps me track who I've paid so far this month, as I have a spot for "proposed payment". Any card with a number in that spot has not been paid; after they get paid this calendar month, I take that number out and update the new balance.

Message Edited by MsMS on 01-24-2008 06:03 AM

Re: Help Broken Calculator!!!

kbell — Thu, 24 Jan 2008 17:30:14 GMT

OpenOffice.org is a nice program to have (and it's free) if you do not have the Excel spreadsheet program. It beats using a calculator. Having a personal finance software doesn't hurt either. I'm still using Quicken 2001, but others are good too, like MS Money, Moneydance, GnuCash, and Money Manager Ex.

Re: Help Broken Calculator!!!

MidnightVoice — Thu, 24 Jan 2008 17:33:58 GMT

MsMS wrote:
This might be a little excessive, but I use Excel to keep track of util % (and estimated payoff timeframe).
It makes juggling 7 cards (all with balances) much easier,

I consider that normal, not excessive

I have used Excel to keep track of my finances for years - it does all the math for me!