Help Broken Calculator!!!

[fishbjc]

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

[fishbjc]

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%.

[Anonymous]

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

[fishbjc]

will publish the new scores if anything EVER updates. 

[Anonymous]

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. 

[Anonymous]

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

[kbell]

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.

[MidnightVoice]

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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,

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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!