There is just one small change I’ve made to my setup. I created a little credit card section at the top that I linked to my current balances using a VLOOKUP formula. I enter any payments I’m making in the column next to the balance, I have a total at the bottom that I linked to a row in the one-time payment section. Other than that, I’ve used it just as I set it up a year ago! It’s the sheet I use most often.