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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


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  1. HybridGunZ

    CC spreadsheet for Open Office

    "Preferred UT 25%" = Preferred Credit Line Utilization of 25%(example: If your Credit Limit on one of your Credit Cards is 100.00 and you want maintain a balance of no more than 25% ( i.e. You Prefer to keep your Credit "Utilization" at no more than 25%) or less then that is an example of your "Preferred UT %" On the spreadsheet, you can set it to whatever % you want it based on your needs & how much of a Positive Impact you'd like to have on your Credit Score in the short-term: 25% UT for some Positive Impact, on your score. 20% UT for a slightly more Positive Impact on your score. 15% UT for a significantly more Positive Impact on your score. 10% UT for a very Positive Impact on your score. 5% UT for a very very Positive Impact on your score. And regardless of your Credit Limit on each of your Credit Cards, I've heard that you can have the absolute Greatest Impact on your Score over the Short Term by getting your Statement Balance down to $3.00 if its a Discover Credit Card and $2.00 on all other major Credit Cards (Visa, MasterCard, American Express) Based on the number in your preferred UT, the spread sheet will calculate the exact payment you need to make so that your "Preferred UT XX%" is maintained on each of your credit cards/ credit lines. Thank you so much. So $2 is better than 0% utilization? Sent from my SM-G935T using Tapatalk
  2. HybridGunZ

    Welcome New Members!

    Thanks! Sent from my SM-G935T using Tapatalk
  3. HybridGunZ

    CC spreadsheet for Open Office

    Great spreadsheet! Thanks!!! This may be a stupid question but what is the Preferred UT 25%??? Sent from my SM-G935T using Tapatalk
  4. HybridGunZ

    Welcome New Members!

    Hello, I'm here to learn as much as I can about how to use credit wisely before I'm released from my CH13 BK. A little over a year and half to go. I also have a foreclosure in 2013. That was the whole reason for my BK in 2014. Anyways I'm working on cleaning up my credit reports to set a good foundation. I became a member or NFCU a few days ago! Figured I better get some banking history with them before I start asking for credit. Sent from my SM-G935T using Tapatalk

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