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Gardening Mode made fun

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Frequent Contributor

Re: Gardening Mode made fun


@kjm79 wrote:

I tried pasting a screen shot of my worksheet but it's not cooperating with me at the moment.  Smiley Mad

 

Basically I listed all of my accounts and their respective balances.  I divide the total of my balances by my total available credit to track my total utilization.  I also track the individual util per account.  I track the change in percentage monthly.  It looks kind of like this. (Edited to include actual worksheet shot, finally)

 

Date 3/11/20114/11/20115/17/20116/17/2011 
AccountLimitBalanceBalanceBalanceBalanceUTIL
Dell$5,000.00$2,899.38$2,783.99$2,596.90$2,191.5443.83%
CFNA (t)$2,200.00$1,076.44$1,033.44$983.44$838.4438.11%
CFNA (k)$2,200.00$1,022.99$922.99$863.57$563.0025.59%
JcP$1,800.00$0.00$0.00$0.00$12.690.71%
Juniper$3,500.00$2,021.71$1,615.44$0.00$0.000.00%
BB$500.00$39.90$0.00$0.00$0.000.00%
MilStar$6,850.00$234.00$0.00$0.00$195.002.85%
Target$200.00$22.36$0.00$0.00$0.000.00%
NavyFed$15,000.00$0.00$0.00$3,313.00$2,599.0017.33%
 $37,250.00$7,316.78$6,355.86$7,756.91$6,399.67 
       
       
Closed Accounts      
Tribute$2,250.00$1,743.32$1,691.97$1,640.38$1,488.5866.16%
       
       
Total CL Available/Used$39,500.00$9,060.10$8,047.83$9,397.29$7,888.25 
Total Utilization 22.94%20.37%23.79%19.97% 
Change in UTIL  (2.56%)-3.42%(3.82%) 

 

 


oh my gosh....you're my idol!! Smiley Surprised i have to do this!

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Message 11 of 14
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Valued Contributor

Re: Gardening Mode made fun

Not only is is great to see the balances decreasing on the accounts but to see the UTIL % dropping too, feels great and helps you keep pushing to bring it down.  It also helps if you are planning on making a pruchase.  You can see what an additional balance will do to your UTIL if you let it report.  SOOO helpful.  I love Excel! 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 12 of 14
Highlighted
Frequent Contributor

Re: Gardening Mode made fun


@kjm79 wrote:

Not only is is great to see the balances decreasing on the accounts but to see the UTIL % dropping too, feels great and helps you keep pushing to bring it down.  It also helps if you are planning on making a pruchase.  You can see what an additional balance will do to your UTIL if you let it report.  SOOO helpful.  I love Excel! 


I basically have no reason to pay for my report any more! I love excel too! I have the Overview, AAoA sheet, Inquires, Utilization (inspired by you)...why pay for the report anymore..I can wait on the scores especially since i'm gardening anyway

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Message 13 of 14
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Valued Contributor

Re: Gardening Mode made fun

I still pay for my reports, just not as often.  I find majority of the time what my util on my excel sheet is doesn't match what's on my reports.  Mainly because of the different reporting times by various creditors.  And I buy it to check for accuracy of course.  I do hate buying a new report and not seeing the score move though!  Have fun gardening, as much as possible anyways!  Smiley Very Happy


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 14 of 14
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