o=o=o=o=o=› ›     CREDIT CARD SUMMARY FOR BCALC› ›          By Frank Walters› ›   CREDIT.BC  is  a template file for› BCALC  spreadsheet.  BCALC, by Barry› Kolbe   and   Bryan   Schappel,  was› published  in ANALOG magazine, issue› 63, August 1988.› › PURPOSE OF CREDIT.BC:› ›   Used  to summarize all your credit› card information in one document. It› provides  useful  information  about› current  balances  and phone numbers› to report lost or stolen cards. When› a  statement  is  received,  you can› compare  it to the data printed from› this  template.  After  entering any› current   interest   charges  a  new› balance  is computed. Recent charges› not  yet  billed will also appear in› this  summary.  When  you decide the› amount  to  pay, you enter it in the› "Paid"  column  and  it computes the› remaining  balance  for you. You may› find other useful features.› › DESCRIPTION:› ›   A  full  printout of this template› requires   the   printer  to  be  in› condensed pitch. I have included the› printer  codes for Epson compatibles› in  cell  AA01.  You can change them› for other type printers.› ›   AB02  displays  filename. AB03 has› the  last  date  of entry, which you› should  update  each  time  you  add› information  and  save  to disk. The› remainder   of   column  AA  and  AB› contains   credit   card   name  and› number.  Below  the  main plate this› information    is    repeated    for› information    only   and   includes› expiration date and phone numbers to› report lost or stolen cards.› ›   Column  AC  of  the  main template› lists  the  current  balances of all› your  cards.  It  is  the SUM of all› cells  from  AD through AM, Previous› Balance to item #8.› ›   AD   shows  previous  balances  of› cards where you did not pay the full› amount  due. AE is to enter interest› or   fees  due,  entered  after  you› receive  your credit card statement.› It    will   update   your   current› balance.› ›   AF-AM  are  individual entries for› charges  made  thoughout  the month.› AF-AI   are  formatted  for  charges› under  $100.00,  AJ-AL  accept up to› 999.99 and AM is for big items under› $10,000.00. Larger cells will accept› any entries under the maximum limit,› even one cent.› ›   AN  is where you enter amount paid› each  month.  After  recalc,  it  is› subtracted  from AC, Current Balance› and  remainder  is  displayed in AO,› New Balance.› ›   AC13   shows  total  of  all  card› balances  and it is repeated in AB13› so  it  is  displayed  on  40 column› screen with cursor in column AA.› › CUSTOMIZING TEMPLATE:› ›   Edit  column  AA  to show names of› all your credit cards instead of the› sample ones. Enter numbers in column› AB. Do this in both blocks 05-10 and› 17-22, which are duplicates. You can› use  CTRL-C,  the  copy  command, to› copy a block from AA05-AB10 to AA17,› if   you  prefer.  Finish  with  the› expiration  dates  and phone numbers› in  the  lower section. Save to disk› with  SELECT and type D:FILENAME. DO› NOT  SAVE  OVER  ORIGINAL  CREDIT.BC› TEMPLATE. That is your backup copy.›››› USING BANKS.BC:› ›   Column  AC,  Current Balance, is a› formula.  Do  not  enter  numbers in› this  column.  Enter  zeros in those› cells from AD to AM that have sample› entries.› ›   Using   your  unpaid  credit  card› receipts,  enter  the amount of each› one   in   the  appropriate  row  of› columns  AF through AM. Amounts over› $99 should be entered in AJ-AM.› ›   Use  CTRL-A  twice  to recalculate› all   cells.   That  should  reflect› current   balances  except  for  any› unpaid    balances   from   previous› statements.   If   you   have  these› amounts, enter them in column AD and› recalc twice.› ›   Save your credit card receipts and› update  your  template  periodically› with  new  charges.  When  receiving› your  next  statement, it is time to› make use of CREDIT.BC for real.› › RECORDING PAYMENTS IN CREDIT.BC:› ›   First  enter  any interest or fees› in column AE (Int). If you have both› interest   and   fees,  use  AE  for› interest  and  any  other empty cell› from  AF-AM for the fees. It doesn't› matter  since  they  are  all  added› together  to  make  up  the  Current› Balance.   Recalculate   twice   and› compare Current Balance with balance› on  statement.  Now  the  balance in› your  spreadsheet  should  equal the› balance  on  your  statement, except› for  outstanding recent charges that› have  not  yet  been  billed to you.› Your  spreadsheet  shows your actual› debt, in this case. The charges will› show up next month.› ›   Enter  amount of payment in column› AN  (Amount  Paid)  and  recalculate› twice.  Column  AO reflects your new› balance,  after  payment.  Since  AO› includes  the  remainder  of Current› Balance,  it  therefore includes all› items from AD through AM.› ›   Cursor  to column AD and enter the› amount from AO, in Previous Balance.› Then  cursor right to enter zeros in› AE  (Int)  and all items from AF-AM,› since  they  are already included in› the  New  Balance.  Finally, enter a› zero  in  AN,  Amount  Paid.  Recalc› twice   to   see   updated   Current› Balance.   It   should  include  the› unpaid   amount   after   a  partial› payment  plus  any  recent un-billed› credit  card  charges. Edit the date› in   AB03.   Save  changes  to  your› working disk.› › PRINTING YOUR CREDIT CARD DATA:› ›   Remember to edit the printer codes› in  cell AA01 for condensed pitch if› your  printer  does  not  use  Epson› codes.› ›   CTRL-H   homes   cursor  to  AA01.› CTRL-P  for print command. Return to› enter   upper-left  cell  of  block.› Cursor  to lower-right cell of block› and press Return to print.› ›   If  you  want the entire template,› including  the information and phone› numbers  in  the  lower section, use› cell AO22 for the lower-right block.› If  you just want the recent update,› use cell AO12 as lower-right.› ›   I  hope  you  may  find this BCALC› template useful. Try it out.›                                     ›             o=o=o=o=o=›