Do you keep a transaction register in your checkbook?

  1. I used to write all my checks, withdrawals, deposits, etc. in my checkbook religiously. Checking on the phone and then the internet to see if I balanced.

    Then I started going to the net every five or so days and copied what that said into my register.

    Now, I just go to the net and write down the balance at that particular moment without coping each and every transaction.

    Probably the next step will be to not even bother writing and just look at the net and leave it be. It's very accurate. I usually have a cushion of about $500.00 or so, plus I have overdraft protection, so I'm not worried in that respect.

    What do you guys do?
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  2. 25 Comments

  3. by   aimeee
    We have two checkbooks, one for me and one for hubby, so it wouldn't really work to keep a running balance anyway. I thought the carbon checks were a godsend when they came out because my husband used to write checks and forget to enter them in the register and then I couldn't figure out what the balance was until the statement came...and this in the days when we frequently were down to zero by the time the next paycheck came out. I balance once a month when the statement comes.
  4. by   Ted
    Honestly, I'm too scared to try to pay bills that is total computer-based. And I have the capabilities to do this with one of our checking accounts. I use this particular account to pay a couple of "direct withdrawel" type loans.

    So . . . I do the best I can to balance my main checking account, still used to pay almost all my bills.

    Ted
  5. by   nursedawn67
    everything gets wrote down in our registry and we double check it online and at the bank (depending where we are at the time).
  6. by   passing thru
    I rely more and more on the computer.
    I bank on-line. It is really nice, any time , day or night, 24/7, look at the old bank account and see how it is doing....

    And, yep, they pay my bills on time..........
    .
    no check writing, no licking stamps.etc.....
    I think the next generation will go online and forget the
    bill paying/ check writing hassle....
    I still use the register when I am out and write a check,
    but don't worry about it much.......as I can see the check
    on the 'puter....click on ""View this check"" one side--both sides,
    I have a six-month check writing history right in front of me--
    No "surprises"....
    every morning a quick view of the accounts,
    no one could withdrawal a dime outa my accounts without my
    knowing it PDQ.
    And, I have a password- - - always a good idea.
    Also, I use my debit card at the grocery store and places I used to write checks.........
    It ain't my mama's check writing experience - - - not anymore.

    Money management has gone techno.
  7. by   Tookie
    Mainly online
  8. by   Tookie
    OK - am sorry if l sound like l am on a band wagon here - however - there was a news report tonight saying that the new mobile / camera phone have also been used to video/ picture people keying in their pin numbers at bank withdrawals

    All l am saying - is that the new phones can invade more then privacy ---- now l really do sound like a scare mungerer - I am not fixated on mobile phones but am just reporting news reports ----

    I like the idea of the mobile camera phones - however l think that we need to be aware of their ''criminal'' potentials if they are used inapproriately

    Tookkie
    Last edit by Tookie on Jun 13, '03
  9. by   Rustyhammer
    We are about in the middle.
    If we write a check we'll record it but mostly we use the debit card and check it later online and record it later.
    -Russell
  10. by   funnygirl_rn
    Pay all my bills online, no stamps & it is quick & easy!
  11. by   SmilingBluEyes
    we keep all our records and transactions up to date with software. and we bank online (Gosh I love puters). it is a surefire way to see where your money is going and where you need to tighten up if you are running short.
  12. by   Whisper
    I don't bank online, I am a bit scared of it to be honest, I balance by checking my account with the hole in the wall before I buy things, I rarely write cheques, and tend to pay most things off of my card, and have written in my diary when direct debits come out, and when my bursary and wages should go in.

    Whisper
  13. by   Spidey's mom
    I write everything down but don't balance it daily. Usually I go online and balance it there. I hate debit cards because it is so hard to keep track of what was spent. I like to see the paper trail.

    However, I did just join a pay your bills online program offered by my bank . .haven't done it yet.

    steph
  14. by   Mkue
    We don't have online banking, I write everything in checkbook, and try to balance everyday.

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