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Referring to your personal cash flow statement, determine how much excess cash inflows you have each month. Based on this amount, set a self-imposed credit limit each month so that you can pay off your balance in full. If you have existing credit card debt, use the following worksheet to determine how many months It will take you to pay off your balance at three different monthly payment amounts. (The Excel worksheet will perform the calculations for you.) Revise your cash flow statement based on your decisions. Use the following worksheet to select e credit card with favorable terms. Rate the cards from 5 being the best in a category to 1 being the worst