Oct 28th 2011, 23:06:47
I always keep my own spreadsheet and tie it back to the statements. This way I can forecast all future payments, payoff date and set financial goals. I have my payments set on my house from now until it's paid off (based on my bonuses, tax returns, etc.) and have a really good idea of when I'll be debt free and obviously I have set a schedule of payments that I try to meet or exceed.