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Your Two Cents: Do You Balance Your Checkbook?

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sonya-ina sonya-ina 7 years
Online is the best and most convenient way for me to keep track.
itsallabouttheg itsallabouttheg 7 years
i use quicken to track all my accounts.
L7amiguita L7amiguita 7 years
Yes! My mom taught me how to balance a checkbook and engraved in me the importance of doing so for every single purchase. I know where every penny is at any given time! I'd be lost if I didn't track my expenses.
katie225 katie225 7 years
when i first started banking when i was 18, i balanced everything in my checkbook. but i found that i ran out of space in my register before i could use the checks (due to the debit card usage). so i stopped doing it, and i've only gotten overdrawn once or twice since then. now i bank at a teacher's credit union that doesn't have overdraft fees, so i don't freak out. if i wouldn't lose or ruin it in my purse, i would totally keep an excel spreadsheet and use that. i've thought about putting one on my phone/pda, but it's just such a hassle to open and use that it's pointless.
dancingpanda1988 dancingpanda1988 7 years
I monitor everything online and check each item on the monthly statement against receipts before storing them.
soulight soulight 7 years
It's pretty awful because I know how to balance a checkbook but I still refuse to do it. What's even worse is that I work at a bank, but I can look at my balance all the time and reconcile receipts with what shows up online.
GreenGrass GreenGrass 7 years
I have a very intricate Excel sheet. I'd be lost without it. At any given moment I know how much money I'll have 6 or 8 months from now.
Le-Luxe Le-Luxe 7 years
I balance my checkbook to make sure its in line with my online account. Don't ask. It never is!
simplycutebecka simplycutebecka 7 years
I am an accountant by trade so it's something I have been doing a very long time, it's very important to do with Identity Theft on the rise now adays. And you will discover many times your bank actually making errors to your accounts!
sorrowja sorrowja 7 years
I don't almost all of my purchases are done with my debit card. I check my bank account about 3 times for the week online. My paycheck is always the same and my expenses rarely every change so I have a basic idea of how much I can spend per month. And my husband and I rarely write checks.
gemsera gemsera 7 years
I dont have or know anyone who does - a checkbook. Everythings done online/with visa debit cards. Weird :)
g1amourpuss g1amourpuss 7 years
I do a damn good job at it in my head. For some reason I track it that way best. A few times a week I check things online or by phone. It probably helps that I write out the bills once a month so I have an idea of everything.
bellaressa bellaressa 7 years
I have one account I balance when I write checks and the other account is strickly online payments.
tee0206 tee0206 7 years
I only write two checks a month (one for rent and one for a credit card bill that I can't seem to figure out how to pay online) because I have all my bills set up to be paid electronically, so I just check my balance online.
carhornsinapril carhornsinapril 7 years
i do it in my head. is that weird?
Angelica Angelica 7 years
I honestly rely on online banking. I know I should take matters into my own hands because I've noticed a couple of duplicate charges in the past, but I've become pretty reliant on my bank's organizational setup.
faerymagick15 faerymagick15 7 years
I try to keep a baalanced checkbook, but I monitor online too.
LoveLinds20 LoveLinds20 7 years
I balance my checkbook daily with my receipts from that day. I find that this is the best way for me because I always know exactly how much money is in my account without having to check online. I used to just check my balance online but I would always end up forgetting about a check I had written that hadn't been cashed or something. This is just what works for me.
Nyrina-Windu Nyrina-Windu 7 years
I hate to balance my checkbook. That's why I love my check card. If I don't have the money then it won't clear purchase. But I do check my balance at least once a week or two weeks, on line. So far I've never had a problem with my balance. So no bounce checks ever for me.
RosaDilia RosaDilia 7 years
I usually check my balance at the end of a shopping day or when I make multiple withdrawals throughout the week.
Katerhiner Katerhiner 7 years
I use Google Docs to do a daily budget. It's like Microsoft Excel -- you enter little formulas into the cells to add and subtract. I haven't bounced a charge in the year since I've been doing this (which is huge for me)!
AmberHoney AmberHoney 7 years
Once a month
AmberHoney AmberHoney 7 years
Once a month
Ryot Ryot 7 years
My mom taught me how to balance a checkbook, but I haven't done it in years. We keep enough slush in the checking account that my husband and I don't run any risk of bouncing checks, and I look over the bank statement (and credit card statement) each month to make sure there's nothing out of whack. And there's online if I ever need to know specifically what the account looks like right now, but I can't remember the last time I needed to know.I do use the little book that comes with your checks to keep track of all the checks I write, though. That way I can match the checks up to the bank statement at the end of the month, and it gives me an indication of how long its been since I last paid a bill -- that was the only way I noticed that my mailman delivered my credit card bill to the wrong address one month. :P
Ryot Ryot 7 years
My mom taught me how to balance a checkbook, but I haven't done it in years. We keep enough slush in the checking account that my husband and I don't run any risk of bouncing checks, and I look over the bank statement (and credit card statement) each month to make sure there's nothing out of whack. And there's online if I ever need to know specifically what the account looks like right now, but I can't remember the last time I needed to know. I do use the little book that comes with your checks to keep track of all the checks I write, though. That way I can match the checks up to the bank statement at the end of the month, and it gives me an indication of how long its been since I last paid a bill -- that was the only way I noticed that my mailman delivered my credit card bill to the wrong address one month. :P
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