Tuesday, April 15, 2014

Credit Card Expense Analysis

Executive Summary:

The purpose of this project was to develop an automated system that would log in to an online credit card statement, download the transactions, and sort them into categories based on the vendor. In this case the business was an individual, rather than a corporation or other business entity, however the basic principles of the code can be used by other entities trying to run a similar process. Once implemented the program would result in a 95% improvement in processing efficiency.

Prior to the development of this VBA process, the user had been manually going into the credit card transaction history 5-6 times per year and pulling the transactions into an excel sheet, where the user could then manually enter the data, and categorize based on vendor. Overall this process displayed some inefficiencies since work was tedious and redundant, and the time invested in updating the data was not worth the effort.

As a result, the user saw an opportunity to develop an automated process that could log into the credit card system, and perform these operations on its own. Once created, the system would save the user 4-6 hours every three months. In addition, the completed system gave the user data in a form that was easier to manipulate, since the final output created a pivot table which could then be manually changed to view different spending trends or transaction types.

The outcome of the project provided the developer of the program the opportunity to learn numerous skills that can be applied to business settings in the future. For example:

1.      How to work with web pages using excel and VBA, including how to read html code from a webpage
2.      Automation of Pivot Tables using Excel
3.      Manipulation of the Ribbon to include a new button
4.      Programming ribbon buttons to run sub procedures
5.      Provided practice with Do, Do Until, & Do while Loops, If statements, offset, current region, row highlighting, and nested loops

This program has practical application for small business users who manage their own books, but don’t want to purchase software to track expenses. With the use of this program, a user can easily pull credit card transactions, build a pivot table, and then manipulate the data however they see fit. They can track expenditures by day, compare month-to-month spend to different vendors, and compare total spend to different classes of vendors (i.e. food service, materials, office supplies, rent & utilities etc.).


In conclusion the developer believes that when used properly, this program can save time, and serve as a strong management tool that will provide managers with data in a useable format, promoting improved business decisions.

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