Really Trying 2 Posted April 1, 2009 Share Posted April 1, 2009 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. Quote Link to comment Share on other sites More sharing options...
rs3rs Posted April 23, 2009 Share Posted April 23, 2009 Fantastic!!! ty so much for posting this. I'm going to migrate my data over and hopefully be a little more organized! Quote Link to comment Share on other sites More sharing options...
COLLFBPLYR Posted May 2, 2009 Share Posted May 2, 2009 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? Quote Link to comment Share on other sites More sharing options...
nyrfann Posted May 6, 2009 Share Posted May 6, 2009 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. Quote Link to comment Share on other sites More sharing options...
nyrfann Posted May 6, 2009 Share Posted May 6, 2009 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? 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. Quote Link to comment Share on other sites More sharing options...
B4d_JuJu Posted May 20, 2009 Share Posted May 20, 2009 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. Quote Link to comment Share on other sites More sharing options...
Financial Freedom Posted August 23, 2009 Share Posted August 23, 2009 Great spreadsheet. Thanks! Quote Link to comment Share on other sites More sharing options...
albert knowles Posted September 9, 2009 Share Posted September 9, 2009 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. Quote Link to comment Share on other sites More sharing options...
moondoggie Posted October 5, 2009 Share Posted October 5, 2009 What a great tool! Thx Quote Link to comment Share on other sites More sharing options...
nyrfann Posted October 5, 2009 Share Posted October 5, 2009 What a great tool! ThxYour welcome. Quote Link to comment Share on other sites More sharing options...
cb2cb Posted October 25, 2009 Share Posted October 25, 2009 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 . Quote Link to comment Share on other sites More sharing options...
nyrfann Posted October 25, 2009 Share Posted October 25, 2009 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 . No auto updates, info has to be entered manually. Quote Link to comment Share on other sites More sharing options...
connect4 Posted October 26, 2009 Share Posted October 26, 2009 Thanks for wonderful tool! Quote Link to comment Share on other sites More sharing options...
Mike2020 Posted November 21, 2009 Share Posted November 21, 2009 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. Quote Link to comment Share on other sites More sharing options...
sherise982 Posted November 30, 2009 Share Posted November 30, 2009 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 Quote Link to comment Share on other sites More sharing options...
vickyrola Posted December 11, 2009 Share Posted December 11, 2009 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? Quote Link to comment Share on other sites More sharing options...
AnonymouslyIndebted Posted January 9, 2010 Share Posted January 9, 2010 thanks i really need this This is very helpful. Quote Link to comment Share on other sites More sharing options...
A Credit Ed Posted June 27, 2010 Share Posted June 27, 2010 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. Quote Link to comment Share on other sites More sharing options...
AnonymouslyIndebted Posted July 1, 2010 Share Posted July 1, 2010 This is an excellent tool, i've been looking for something like this!!!! Glad you like it, I hope others find it helpful as well! This is very helpful. Thanks for sharing Quote Link to comment Share on other sites More sharing options...
creditbwacked Posted July 11, 2010 Share Posted July 11, 2010 Just downloaded...I LIKE it!! Thanks for taking the time and effort to create this tool K Quote Link to comment Share on other sites More sharing options...
LynnBushea71 Posted July 12, 2010 Share Posted July 12, 2010 Thank You....This is GREAT!!! Quote Link to comment Share on other sites More sharing options...
nyrfann Posted July 13, 2010 Share Posted July 13, 2010 (edited) 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. I am not sure what you are referring to here, but there is no error. To formula is written correctly and everything calculates correctly. 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 July 13, 2010 by nyrfann Quote Link to comment Share on other sites More sharing options...
A Credit Ed Posted July 15, 2010 Share Posted July 15, 2010 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. Quote Link to comment Share on other sites More sharing options...
nyrfann Posted July 15, 2010 Share Posted July 15, 2010 (edited) 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. 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".. 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 July 15, 2010 by nyrfann Quote Link to comment Share on other sites More sharing options...
BWH Posted September 2, 2010 Share Posted September 2, 2010 First off let me say Thank you for your work on this spreadsheet. I love it, I have added a column for my own that shows what days are being reported to the bureaus so that I know when my payments are due. Just something to consider if you ever update. Thanks, Quote Link to comment Share on other sites More sharing options...
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