Been reading Creditboards for a while but just now checked out this spreadsheet. WOW, thanks so very much for all the time consuming work you've put forth and then sharing it with us. I just started using it and don't even have everything inputed but love what I'm seeing - well, love the info but maybe not the figures.
Did you ever come up with the s/s for installment accounts? If so, I would love to use it also.
Again, THANKS for all your work.
credit card spreadsheet
Started by
breeze
, Feb 28 2007 06:15 PM
480 replies to this topic
#426
Posted 30 March 2009 - 05:22 AM
#427
Posted 31 March 2009 - 10:30 PM
I do believe I'm missing seeing something. Isn't there a column to input a payment made so everything updates? Got everything in and will absolutely love this spreadsheet, just wondering if I really have to make my own calculations to update totals.
#428
Posted 22 April 2009 - 09:06 PM
Fantastic!!!
ty so much for posting this. I'm going to migrate my data over and hopefully be a little more organized!
ty so much for posting this. I'm going to migrate my data over and hopefully be a little more organized!
#429
Posted 01 May 2009 - 10:46 PM
After lurking on this site for several weeks, your SS is what made me decide to actually sign up. This thing is great, I'm going to have my weekend full of filling this thing out and seeing exactly where I stand.
For any improvements for the 2009 version I do like the "snow ball" that was mentioned before.
Also, did you end up making the sheet for installment loans?
For any improvements for the 2009 version I do like the "snow ball" that was mentioned before.
Also, did you end up making the sheet for installment loans?
#430
Posted 06 May 2009 - 07:53 AM
I'm glad everone still likes the sheet!
Like I said I am working on some inprovments but becasue I do it in my sapre time it does take some time. I hope to have a Beta version out (To some of you like I did last year) by 1st week of June.
Like I said I am working on some inprovments but becasue I do it in my sapre time it does take some time. I hope to have a Beta version out (To some of you like I did last year) by 1st week of June.
#431
Posted 06 May 2009 - 07:55 AM
I do have an installment one that was not created by me; it's just a generic sheet. I working to incorporate it into the new sheet I do. My sheet will NOT have any option for doing snow ball calculations.After lurking on this site for several weeks, your SS is what made me decide to actually sign up. This thing is great, I'm going to have my weekend full of filling this thing out and seeing exactly where I stand.
For any improvements for the 2009 version I do like the "snow ball" that was mentioned before.
Also, did you end up making the sheet for installment loans?
#432
Posted 20 May 2009 - 09:42 AM
this SS is the best thing to happen to me since finding the CB site...another great tool. Bad thing is...it makes you realize how far the climb out of the hole is. 
#433
Posted 23 August 2009 - 05:11 AM
Great spreadsheet. Thanks!
#434
Posted 09 September 2009 - 03:27 AM
You designed the whole thing for yourself but felt it would be quite useful to many members out here so ask the CB mods to post it. I agree with you.
#435
Posted 04 October 2009 - 07:55 PM
What a great tool! Thx
#436
Posted 04 October 2009 - 08:01 PM
Your welcome.What a great tool! Thx
#437
Posted 25 October 2009 - 02:46 PM
Thanks for creating and posting this great spreadsheet, but I have some questions.
Ones all the amounts are entered, does it update automatically? How do you do that?
For example, I've completed the spreadsheet few months ago, no card usage since then. How can I see the updated numbers on todays date?
Thanks
.
Ones all the amounts are entered, does it update automatically? How do you do that?
For example, I've completed the spreadsheet few months ago, no card usage since then. How can I see the updated numbers on todays date?
Thanks
.
#438
Posted 25 October 2009 - 05:09 PM
No auto updates, info has to be entered manually.Thanks for creating and posting this great spreadsheet, but I have some questions.
Ones all the amounts are entered, does it update automatically? How do you do that?
For example, I've completed the spreadsheet few months ago, no card usage since then. How can I see the updated numbers on todays date?
Thanks
.
#439
Posted 26 October 2009 - 11:37 AM
Thanks for wonderful tool!
#440
Posted 21 November 2009 - 12:44 AM
nyrfann Thank You Thank You Thank You.... Love the new version been using it since you came out with the first one. I can't seem to find the one for installment loans do you happen to have it? Thanks Agian.
#441
Posted 30 November 2009 - 12:26 AM
This is very helpful. I was trying to figure out the UT options on my own but was not helping. Good to have an amount I can look to. Thanks
#442
Posted 11 December 2009 - 09:46 AM
This is great! thank you so much:)
1 question- What is that middle part supposed to be telling me ( the 3 payment options) I have entered all of my data, but the 3 payment option percentages are all saying $20?
1 question- What is that middle part supposed to be telling me ( the 3 payment options) I have entered all of my data, but the 3 payment option percentages are all saying $20?
#443
Posted 09 January 2010 - 03:58 PM
thanks i really need this This is very helpful.
#444
Posted 27 June 2010 - 09:43 AM
It's been almost six months since anybody said "Thank You" for this spreadsheet. Thank you nyrfann!
@vickyrola (12-11-09) Most cards have a minimum payment of $20.00, so the sheet calculates your minimum for you.
If the amount in column D is less than $2,000, it shows a minimum payment of $20 is due. If the amount in column D is $2,000 or more, it shows what the minimum payments would be if your card requires 1%, 2% or 3% minimum payments.
Then I found an error nyrfann - Columns G, H and I read:
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*G$2))
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*H$2))
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*I$2))
They should read:
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*G$2))
=IF($D7=0,"",IF($D7*$H$2<20,20,$D7*H$2))
=IF($D7=0,"",IF($D7*$I$2<20,20,$D7*I$2))
That causes the the H and I columns to reflect the greater of 2% or 3% or $20.00. As it currently sits, column I's 3% of $1,999.99 is calculated at the minimum value of $20.
To further mess up columns G-I, if the amount in column D is <$20, it still shows $20 as the minimum payment. I don't know how to write that IF statement.
I'm not an Excel expert, I know just enough to be dangerous. If I'm wrong, please be gentle.
@vickyrola (12-11-09) Most cards have a minimum payment of $20.00, so the sheet calculates your minimum for you.
If the amount in column D is less than $2,000, it shows a minimum payment of $20 is due. If the amount in column D is $2,000 or more, it shows what the minimum payments would be if your card requires 1%, 2% or 3% minimum payments.
Then I found an error nyrfann - Columns G, H and I read:
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*G$2))
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*H$2))
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*I$2))
They should read:
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*G$2))
=IF($D7=0,"",IF($D7*$H$2<20,20,$D7*H$2))
=IF($D7=0,"",IF($D7*$I$2<20,20,$D7*I$2))
That causes the the H and I columns to reflect the greater of 2% or 3% or $20.00. As it currently sits, column I's 3% of $1,999.99 is calculated at the minimum value of $20.
To further mess up columns G-I, if the amount in column D is <$20, it still shows $20 as the minimum payment. I don't know how to write that IF statement.
I'm not an Excel expert, I know just enough to be dangerous. If I'm wrong, please be gentle.
#445
Posted 01 July 2010 - 09:48 AM
Glad you like it, I hope others find it helpful as well!This is an excellent tool, i've been looking for something like this!!!!
This is very helpful. Thanks for sharing
#446
Posted 11 July 2010 - 01:11 PM
Just downloaded...I LIKE it!!
Thanks for taking the time and effort to create this tool
K
Thanks for taking the time and effort to create this tool
K
#447
Posted 12 July 2010 - 01:58 PM
Thank You....This is GREAT!!!
#448
Posted 13 July 2010 - 10:22 AM
I am not sure what you are referring to here, but there is no error. To formula is written correctly and everything calculates correctly.It's been almost six months since anybody said "Thank You" for this spreadsheet. Thank you nyrfann!
@vickyrola (12-11-09) Most cards have a minimum payment of $20.00, so the sheet calculates your minimum for you.
If the amount in column D is less than $2,000, it shows a minimum payment of $20 is due. If the amount in column D is $2,000 or more, it shows what the minimum payments would be if your card requires 1%, 2% or 3% minimum payments.
Then I found an error nyrfann - Columns G, H and I read:
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*G$2))
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*H$2))
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*I$2))
They should read:
=IF($D7=0,"",IF($D7*$G$2<20,20,$D7*G$2))
=IF($D7=0,"",IF($D7*$H$2<20,20,$D7*H$2))
=IF($D7=0,"",IF($D7*$I$2<20,20,$D7*I$2))
That causes the the H and I columns to reflect the greater of 2% or 3% or $20.00. As it currently sits, column I's 3% of $1,999.99 is calculated at the minimum value of $20.
To further mess up columns G-I, if the amount in column D is <$20, it still shows $20 as the minimum payment. I don't know how to write that IF statement.
I'm not an Excel expert, I know just enough to be dangerous. If I'm wrong, please be gentle.
The default $20 is the minimum payment for most c/c unit you reach the threshold where a % kick in. This is why the $20 is for any small balance.
Edited by nyrfann, 13 July 2010 - 10:23 AM.
#449
Posted 15 July 2010 - 08:14 AM
The default $20 is the minimum payment for most c/c unit you reach the threshold where a % kick in. This is why the $20 is for any small balance.
If my balance is $1,800, what is my minimum payment if the threshold is 3%? Is it $20 or $54?
I'm not trying to be argumentative, I'm an Excel geek wanna-be - someone who knows just enough to be dangerous but wise enough to know advanced stuff like formulas. That's why I'm so in awe of your spreadsheet.
#450
Posted 15 July 2010 - 11:09 AM
That's the thing, I am not telling you what your minimum payment is or should be (the field listed is payment options), I am telling you what the payment is if you choose to pay 3%. Every c/c is different, there is no way for me to know when the minimum payment is $20 or when it kicks to a %. There is a big difference between "Payment Options" & "minimum payment"..The default $20 is the minimum payment for most c/c unit you reach the threshold where a % kick in. This is why the $20 is for any small balance.
If my balance is $1,800, what is my minimum payment if the threshold is 3%? Is it $20 or $54?
I'm not trying to be argumentative, I'm an Excel geek wanna-be - someone who knows just enough to be dangerous but wise enough to know advanced stuff like formulas. That's why I'm so in awe of your spreadsheet.
In this case if you choose to pay 3% then it's $54, I am sure that is significatly higher then what the actual minimum payment is.
Edited by nyrfann, 15 July 2010 - 11:15 AM.
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