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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