Tracking your Stoozing...

Chrisa10

When i first started my stoozing I found it hard to keep track of what was going where, offer expiry times - and most importantly how much i thought i would make!!

Do people have any methods/excel spreadsheets they would be prepared to let out of the bag for all to see??

Or simply some pointers?!

Ive seen calculators online - which are ok, but i find it more helpfull to contain calcs where i also keep the card information for completeness....

...just an idea!

:beer:

Clariman

I have a spreadsheet that keeps the basic card details i.e. issuer, credit limit, start date, end date, current balance, whether it has 0% on purchases too, notes etc. It also totals up the current limits and compares them to the contents of my stooz pot, so I can see whether it has got out of synch (e.g. by making minimum payments from my current account). Finally it maps the card expiries over the next few months so that I can see when my stooz pot is going to take a dip etc

MJMum

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Milarky

If you list your 0% cards ('A', 'B', 'C') with their current balances with an end date for each, use the 'Today' function to automatically calculate the number of days remaining on each one (=Exipry_Date - 'Today') and this gives you 'X', 'Y', 'Z' days then you can 'Sumproduct' on the individual balances and number of days, and divide the whole by 365. This gives you (neglecting the effect of future minimum payments coming off) an annualised value for your stooz pot - which can be more meaningful than your stooze pot total

Eg

'Today'= 29 April 2007

A £3000 Expires 1/11/07 = (184/365) x £3000 = £1512
B £2800 Expires 4/2/08 = (280/365) x £2800 = £2147
C £4200 Expires 12/4/08 = (347/365) x £4200 = £3992

That's a notional SP of £10000 (A+B+C) with a 'value' of about £7651 (average balance for the next year)

Minimum payments (which all differ slightly, of course) could be taken into account - but that's more complicated than I wish to be