While Z's method is good to monitor your improvement remember that an 'average' is not a handicap. A USGA handicap uses your best 10 out of the last 20 adjusted scores and then applies some math based on the slope and rating of the course that was played.
Two things to think about -
1 An official USGA (TV uses GHIN) handicap is required to play in any of the tournaments. You can join GHIN (just ask at any of the championship courses) for about $30-40 year. Being a prioroty golf member gives you a reduced rate I believe.
2. There are also ways in your Excel spreadsheet to keep your rounds like Z does but apply the handicap formula to your scores to get an unofficial handicap.
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