OPERATION CHRISTMAS CHILD 2012

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Checkbook Register, Do You Use One?


 For years I have NOT used a check book register.  I found it too difficult to keep up with the entries and the balancing of the amounts has never been a strong point for me. When I did use a checkbook register, instead of actually trying to balance to the penny I found it easier to just round up.  This way, I always had enough in my account to cover any mistakes. 



My checking account   ( Bank Of America) currently rounds up to the next dollar and sends that amount to my savings account.  I use this as another reason NOT to use a check book register. 

How do I keep track of the money?  Every day, sometimes several times a day I use my smart phone to access my accounts and keep track of where the money should be and where the money is going.  I look at our checking accounts, savings accounts, mortgages, and credit card totals. 

Using my phone to keep track of everything seems easier for me.  There are pitfalls to this method though.  The usual culprit is my tithe check to church.  I turn it in on Sunday's and it seems to take the church almost a week to process it and the transaction shows up in my account about a week later.   I tend to forget that I wrote the check and it can get a bit close bu the time our next payday rolls around.,

What do you guys do?  Do you use a checkbook register?  Or do you wing it like me?




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12 comments:

Lauren Bee said...

I have never touched a check register in my life...but my mom SWEARS by hers. I use Learnvest software to help me stay on top of it!

CentsToSave said...

my mom looks at me funny when I tell her I don't use a checkbook register :)

Michelle said...

I just wing it. I have never used a register.

Michelle said...

I just wing it. I have never used a register.

kim said...

I use a register and balance about once a month. I also have those duplicate checks. But I hate to balance and have to make myself look. Because I know I have no money and I want to spend anyway.

Andrea said...

I haven't used a check register since sometime in 2008. My bank keeps up with it for me so I just don't bother anymore. I sucked at keeping up with it anyway!

Niki said...

I used to use one when i was younger, 18 or so, but now I use Microsoft Money. It's a really old but I just love it and the crazy person in me likes to know EXACTLY how much money I have!

CentsToSave said...

Yep, me too.

CentsToSave said...

Kim, you are a better person than me. I am not that organized. And probably never will be

CentsToSave said...

I sucked at it too! I wing it!!

CentsToSave said...

I think some people are wired to keep track of money.... that has never been me :)

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