I know the sheet have been downloaded over 300 times, yet I have received very little feedback.
Are you all finding it useful? Any problems, comments, things you'd like different?
I really have to thank you for creating this spreadsheet. One of the best things about it is its simplicity. I like the way you have a visual of where you stand on each account and overall. I also like how you can change the payment percentages to suit your needs and play with your budget more effectively.
By using this spreadsheet I've been able to make more efficient use of balance transfers keeping the majority of my balances off higher interest cards. I can't tell you how much this is helping my credit scores! With this great visual tool I have gone from having 12 accounts with balances and high utilization to mid-range utilization on 2 cards and zero balances on all the rest of my accounts. Total utilization achieved using your spreadsheet: 20%.
All that's left is to wait and see the upswing when everything finally hits my reports.
I can't thank you enough!