Screwed up the checking account, again....

  1. I have totally screwed up my checking account. (Actually it is mine and my husband's...). Forgot to log a couple ATM withdrawals and record a check. Hubby is shaking his head mumbling and punching the calculator buttons.... I thinks I is in trouble....:imbar

    For my hubby....



    If you don't see me the rest of the night you'll know why....
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  2. 24 Comments

  3. by   OBNURSEHEATHER
    Ohhh Becky. I've done it too. To the tune of about $200 in overdrawn fees.

    Lesson learned.
  4. by   LasVegasRN
    Dood - two things:
    - Online Banking
    - Microsoft Money

    'nuff said.
  5. by   deespoohbear
    Don't know if my bank offers online banking yet. Our bank is still one of those rare birds that is locally owned and operated. The president of the bank is a hometown boy...as is the whole board. Not sure if they have progressed as far as online banking...

    Microsoft Money....is it worth it? How much does it cost? Will it let me know when I am about to overdraw my account....like bells and whistles and such.....
  6. by   LasVegasRN
    Originally posted by deespoohbear
    ..Microsoft Money....is it worth it? How much does it cost? Will it let me know when I am about to overdraw my account....like bells and whistles and such.....
    I've been an ardent MS Money user since 1998, can't remember what I did without it. I use the deluxe edition, mostly because I track my 401K and investments in detail. It's $49.95 with a $20 rebate from Microsoft. And yes, it will let you know (if you USE it religiously) when you are about to overdraw, not to mention it tracks your spending habits, alerts you to potential problems and overdrafts, and a host of other things. It's wonderful.
  7. by   ShandyLynnRN
    I used quicken for a while, and it was such a hassle to enter all my spending into the puter, itemize it all and all that! Is MS money the same way??? I think it came with my puter. I tend to wait a month before I enter all my ATM withdrawls and debit uses and checks written and balance my checkbook, so it gets a bit hairy at times!
  8. by   WalMart_ADN
    i don't even have a checkbook register <sigh>
    i just occasionally check my online banking thing so i know when it's getting low. I suck, don't I?
  9. by   deespoohbear
    Originally posted by ShandyLynnRN
    I used quicken for a while, and it was such a hassle to enter all my spending into the puter, itemize it all and all that! Is MS money the same way??? I think it came with my puter. I tend to wait a month before I enter all my ATM withdrawls and debit uses and checks written and balance my checkbook, so it gets a bit hairy at times!
    Good question, Shandy....I am not familiar with Quicken or Microsoft money...

    Any advice, Vegas?

    Actually I think a couple of the ATM withdrawals were my husband's and he forgot to tell me about them.....
  10. by   ShandyLynnRN
    oh my Walmart!!! And I thought *I* was bad!!!
  11. by   deespoohbear
    Originally posted by WalMart_ADN
    i don't even have a checkbook register <sigh>
    i just occasionally check my online banking thing so i know when it's getting low. I suck, don't I?
    OMG!!! How on earth do you know what is going out and coming in every month? Between my direct deposit of my check and the few payments that are automatically deducted from my account monthly I would even be more screwed up with the checking account. Not keeping a checkbook register would be enough to cause my husband to permanently ban me from the checkbook....
  12. by   LasVegasRN
    Originally posted by ShandyLynnRN
    I used quicken for a while, and it was such a hassle to enter all my spending into the puter, itemize it all and all that! Is MS money the same way??? I think it came with my puter. I tend to wait a month before I enter all my ATM withdrawls and debit uses and checks written and balance my checkbook, so it gets a bit hairy at times!
    <Vegas expressing shock> Shandy, Shandy, Shandy. That's the whole purpose of these money management programs!! You're supposed to enter all your transactions as soon as you have a chance! Any time I use my debit, write a check, or make an ATM withdrawal, the FIRST thing I do is enter it into Money. It's just like when you enter the transactions in your check register. When you itemize your transactions it ables you to track your spending AND run reports.

    Example:
    I track how much I spend with gas. I use the category of "automobile" and "gas". Anytime I enter the title "Gas Station" the category automatically pops up, let's me know how much I spent at the last transaction and each month tells me how much I have spent on gas. Last week I got a pop up box saying Money has noticed my gas expense has risen 15% since last month (no kidding!).

    The other day I was trying to figure out how much my water bills were during the summer because it seemed like I was paying a lot more. I ran a report using the months May through August and voila! my water bill was a LOT more than last year. It prompted me to figure out WHY and I found a leak in the sprinkler system underground.

    Quicken and Money are there to help you manage your finances to perfection (I sound like a commercial, don't I?). If you use the program to it's fullest extent, it makes things much easier. I've been using it so long that doing the itemization is not a pain in the butt at all.
  13. by   Reabock
    .WalMart , I'm like you partly. I do have a checkbook register but don't record when I use my debit card (never have used an ATM) Have not balanced my checkbook in years, I use direct deposit to my credit union accounts, spend approx. the same amount for things monthly and usually have a healthy balance so don't worry about it. I do check the statements when they come out and do occassionally check online to make sure there is nothing strange or abnormal showing up. Hubby has own account I have access to for a couple of his bills that I pay from here, otherwise I pay all the bills. He's only comes home some weekends so most of his expenses he takes care of there. Car payment comes out biweekly and will be done soon, so No, I don't keep a day to day track of my checkbook.
  14. by   deespoohbear
    I will definitely be looking into Microsoft Money. It has to be easier than trying to figure out the checkbook....

    Plus, I love any excuse to play on the puter.....

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