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[Music] greetings in previous videos i provided a brief walkthrough of my excel checkbook register spreadsheet which covered the basics of entering transactions how to update the categories list how to safely cut and paste transactions to move them around and how you can plan ahead by adding future expenses in your checkbook in order to help budget your cash flow each month check out those first two videos if you need a refresher in this video i want to talk about the card debt sheet how to use it how to update it and why its there so lets start with the why why use this if youre like many you have one or more credit cards that are carrying a balance and its great to set a personal goal of paying down or paying off your credit card debt and having some visual graphs for that can be a helpful motivator in the sheet you can have up to eight credit cards and or personal loans that youre working to pay off so if i scroll over here to the right youll see that there are graphs for up