How often do you balance your check book?

United States
September 7, 2008 11:35pm CST
Tonight I decided to whip out my check book registry and try and make sure I was still doing ok and that my bank account and check book said the same thing. When I did open it up and checked out my bank account website, it was kind of scary trying to figure out all the math for everything that I have had to pay for lately. It's been several weeks since I've updated it and it was a bit confusing. My partner tried to help me balance it but she got confused as well. I eventually got a handle on my check book and thankfully it does seem to be checking out just fine. I am not planning on waiting so long to check out how I am doing again. That was just a nightmare. How often do you balance your check book? Do you set aside a certain time during the week or month to balance your check book? Or do you tend to only do it at certain times and then pay for it much later?
2 people like this
10 responses
@pyewacket (44032)
• United States
9 Sep 08
I jot down in a book my balances and as I use my say debit/credit card that is hooked up with my checking make whatever deduction I've done that day if I've used my card....I pretty much check my balances everyday...comparing what I have in my book with my on-line balance...being on SSI benefits I have to be REAL careful of my balance...sure don't want to be slapped with a $35 bounce check fee.
1 person likes this
• United States
9 Sep 08
That would be bad. Those fees in my opinion are outrageous for a simple inconvience for the bank in my opinion. Since I'm a broke college kid I have to watch what I do too. I'm not in the mood for crazy bank fees myself.
@MissGia (955)
• United States
8 Sep 08
i don't balance my checkbook because my bank offers online banking. If i used actual checks i would use it (because the checks you send out dont reflect on your bank statement right away) but i use my bank card most of the time, so it's usually up to date all the time. I hate filing out my checkbook registry. If you do too, i recommend you check and see if your bank has online banking. lots of advantages to banking online.
1 person likes this
• United States
8 Sep 08
I actually use online banking but it's not as reliable as many other online banking sites. They update it sometimes several times a week so whenever I use my debit card it does not always reflect on the banking website right away. Sometimes I have to wait a few days for it to happen so I have to keep track of everything by hand to make sure I'm still OK.
@Ldyjarhead (10241)
• United States
9 Sep 08
I check mine at least every week online. There's always the chance that I forgot to write in a small purchase I made and I don't want to get caught overdrawn and have to pay hefty fees. I would never go that long without knowing what I've got. With today's technology, there's no reason for it.
1 person likes this
• United States
9 Sep 08
I've tried many times to get into the habit of using my checkbook register, then balancing it on a monthly basis. I could never get myself to complete the register for a full month, and then to even balance it(ha!). I am online so much that I often keep track of my bank account several times a day. I have created a tracking sheet in excel that I use to help me keep track of what I have on a daily basis and when something is due and paid. That seems to be the easiest and most efficent for me.
@bdugas (3580)
• United States
8 Sep 08
I am not good with my check book, in fact the worst, I just recently opened a new account and I have online bankingm it is great because each night I can pull it up on the screen and see what has been done on that day. What has come in and what is pending. My figures do not ever come out to the ones the bank has, they are off a few cents here and there, which is because they charge a fee for using my debit card as a debit, or there is a few cents for this and that, fee I don't understand since it is a free account. So since ther is a difference of a few cents I just take what they got as a balance. There are these pending things on my account, and I wonder why they have to be pending I used the card, spent the money, why should it be pending, I guess so they can see they turn in the same amount as what went across the card. It is a lot easier seeing it on the computer everynight than waiting on the statement to come in and then finding out there is a big difference in their balance and yours.
1 person likes this
@Anne18 (11034)
8 Sep 08
Likr Kelly I am lucky I don't have to do any balancing of check books etc. Its best if only one person does the paper work in the house, thanks hubby, I'm off the hook
1 person likes this
• United States
8 Sep 08
I am pretty good at keeping up with my checkbook. I always write everything in when I write a check or use my debit card. Once a month when my bank statement comes in I go back and recheck my checkbook to make sure its the same. I've made mathematical errors a couple of times but never have forgotten to write in a withdrawal.
@k1tten (2320)
• United States
8 Sep 08
I don't balance my check book as often as I should. I should do it at least once a week or so. I just hate that I put things off so much because I do pay for it later. Thinking I have more money than I actually do in my account stinks.
1 person likes this
• United States
16 Sep 08
I dont balance it. well not in the traditional sense. I know what i have and what i can spend. Im very particular to make sure every penny is written down when i spend it, so for the most part i rarely have any descrepencies..if so maybe a few cents.
@mtdewgurl74 (18159)
• United States
9 Sep 08
I have never really balanced my check book before.. Before I go anywhere I always call the bank to see what I have in my account so I won't over draw. It is confusing trying to keep track of everything.