Banking and Checking account balance

I use a modification between online and old fashioned. I keep copies in a certain place (checkbook, envelope, etc.) of any charges that have not yet gone through my bank account (ATM receipts, store receipts from ATM purchases, online bill pays, etc.). Then periodically (daily, weekly, etc.), I go online and check to see what has cleared. Anything remaining in my envelope (or whatever), gets deducted from the online balance to give me my actual balance.

Wow,alias1958 exactly my tactic.I keep every receipt/charge
etc. until they clear.I am almost to the penny everytime I
strike a balance.The amazing part is there really is no time
involved with this "proceedure" just common sense.I am amazed also how technology alowed me to get lazy and
complacent.

I check my accounts (bank and credit cards) every day I am at my computer at work, normally Monday - Friday. I check my regular monthly bills (power, water, insurance and cellular) every week or so. It helps me to keep my finances at the forefront of my mind every single day. I come into work an hour or so early and work through my lunch so I have that ability to work on "personal" stuff at my leisure.

I check my account every single day...is that being **** or what. :oops: ..just paranoid I guess (lol).

[color=Red]****Adult term removed - Jason[/color]

I call it being smart and aware!

i do both online and manual.. i still got into a mess but it usually works really well for me. I found i cannot trust the online alone as it takes time for some payments to post.

I use it more to doublecheck myself and have made it a HABIT of being aware of exactly what I am spending each day. I check my banking before I even open up my Outlook email at work.

me, too - i always know exactly what i am spending and what i need.

I check my account out at least every few days. Our bank has an automated number where you can call and get all the checks, deposits and auto drafts that have come in, also any nsf checks.

I usually do this at night, when the hose is quiet and I can think! I then get my calendar, and notebook and write down which bill comes out of what paycheck, groceries, meds and extras. All of this I do the old fashioned way, instead of the computer--old dogs are hard to learn new tricks :lol:

mag kano nalng ang pera ko sa bank?

I balance my checkbook daily. I go through every check and check it off. I also have a spreadsheet for expenses and dates. I will never be in the PDL issue again.

I created an Excel spreadsheet that I enter every transaction on. It calculates the balance for me. It's kind of combining the paper/pen with technology. If you want a copy of that spreadsheet...let me know. It's real easy to use. I have a TAB account and definitely don't want to mess that up!

Hi. I balance my checkbook the old-fashioned way, and would love to have a copy of the spreadsheet you mentioned, brianr446.

It is a great feeling that you get when you see people helping one another..that is what DCC is all about!!! :D

how do iknow if i have money in an bank account

call the bank and give them your account number. They will tell you the balance

i want my savings account balance.

how to cheque my balance through in on line?

I like viewing my checking account online. I can see the balance as well as view it daily and keep track of my spending better.

i want to check my account in union bank of nigeria, idah branch,kogi state

I pay bills twice each month, in batches, then check the balance in 8 days or so to make sure there are no stragglers. I jot down the current balance I've calculated -- I treat all spent money as spent. Most bills (electric, telephone, insurance etc.) get slightly overpaid each month; so I see a small (approx. $3.00) credit on on the statement. I know then not to hunt for balances -- I pay only face value on the new bill each month (plus that slight bit extra to see a new credit on the following month's bill). I pay every recurring bill (electric, phone, etc.) with a slight overpay, as I said -- but I do it with the same fraction of a dollar, which varies each month. So in January everyone gets $33.21, $29.21, $69.29; in February they get $34.52, $28.52, $71.52 -- like that. That way I know I authorized the payment -- they're very easy to spot on the statement because of the pennies and dimes columns. I only glance at those. Finally I do a survey after 45 days, looking for improbable disbursements. Those surveys are done once a month, at the time I've checked up on the second sweep through the bills (usually right before the 1st of the month). So I end up accessing the account records twice each month (to verify) and twice each month (to make payouts). Why twice? Why not just once? It used to be that any utility bill that was paid within 40 days (or so) raised no strong flag at the utility company; they basically gave the full 30 days to pay, plus 10 days grace. Lately that number shrank in half; I'd get a bill on the 7th of the month to be paid by the 27th of the same month, but claiming to have been sent out on the 28th of the month prior. Whether it was really printed and mailed on the 28th became suspect (as I was receiving it on the 7th, rather than on the 2nd or so). My answer to this was to pay bills in 2 batches, spaced 14 days apart, each month. It doubles my work (the time set aside for bill-paying seems almost independent of the number of bills to be paid) but it saves me from research time (because I know I'm generally current on everything -- no loose ends to track). arf