If I spend $40 on gas using my credit card, then pay $500 toward that card, I report $40 in the gas line on the spreadsheet, and $500 on the credit card line. Now that I'm actually making larger payments on the balance, however, I'm not sure how to track it properly, because if I put the full amount of the payment (which includes new spending plus extra toward the balance) the final amount is deceptively high.įor example. It was never in there before because most of what I paid was just to cover any new spending. I also made myself a plan to pay off my debt by the end of this year, so I added a line for credit card payments to the sheet for this year. I created my own Excel spreadsheet(s) to track my monthly spending which has been working pretty well. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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