QOTW: Checkbook balancing dilemma!

Avatar for geeliz
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Registered: 04-04-1999
QOTW: Checkbook balancing dilemma!
7
Mon, 03-28-2011 - 12:51pm

This 'chore' has always been a successful challenge: keeping the checkbook balanced! Suddenly, it is becoming pet peeve! It happened when—seemingly overnight—my puter refused to load my browser anymore (IE8, that I'd freshly upgraded to) and after a tale of woe too sad and lengthy to mention here again, the techies had to wipe the computer clean, starting me out completely barebones and I've been struggling ever since!

Upon others' suggestions, I loaded Google Chrome, and am trying to learn new ways to search the internet.

 

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Registered: 04-03-2003
Mon, 03-28-2011 - 1:29pm

1.

Avatar for geeliz
iVillage Member
Registered: 04-04-1999
Mon, 03-28-2011 - 10:18pm

Hi to you, Amy! Lonnnng time no talk to you, stranger! Thanks for responding to my banking questions!

I see we both have the same bank habits! Even though some folks discourage online banking, I've found that it is the quickest, simplest means of keeping track of things, and certainly relieves a lot of hair-pulling when things don't goi right!

Remember, I'd said that I had hold of things until my puter failed and was in the shop several days and without access to my account, I was lost!

I also check mine at least once a week, especially after checkbook activity starts building, for it can get away if I'm not very vigilant! I spent the rest of my morning running a totalling tape and I found my $9.00, and it wasn't in arears after all! (That bothers me! Am I spelling 'arears' right? lol) Anyway, I discovered that one bill I had paid was shorted it by $9.00! I had typed in $101.51 instead of $110.51! DUH! Talk about turning numbers around! Sometimes, I find I transpose totals when I write them in the checkbook, and have to go looking for my error!

I am breathing a sigh of relief now that this 'chore' is done and out of the way! Nothing like losing control over your finances, such as they be in the first place, but oh, what a great feeling!

Thanks so much for your response! I hope to read more here! HUGGS....

 

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Registered: 11-16-2001
Tue, 03-29-2011 - 10:18am
1. Whatever your banking system is, do you have any difficulties, month by month, week by week, keeping your account(s) balanced? ~ No difficulties for me, Liz.

2. Do you bank online, or the old fashioned way using the back of your bank statement as a guide? ~ I don't bank online since I am not certain the system is secure here, but I pay all my bills through the ATM as it's quick, instant and cheaper than paying by cheque.

3. Do you have any hints or suggestions as to the easiest way to keep track of your account(s) and care to discuss them with us? ~ I do it through the ATM. Each time I take out money or pay a bill it tell me what my balance is. I try to minimize using my debit card - I know that it comes straight from my account, but I can control my spending more when I pay by cash.
iVillage Member
Registered: 04-03-2003
Tue, 03-29-2011 - 11:08am
I transpose too, and I couldn't tell you how to spell arears correctly (lol). Yes, it does look like we have the same banking habits and heck, if it ain't broken.... lol
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Registered: 01-03-2001
Tue, 03-29-2011 - 11:41am

Whatever your banking system is, do you have any difficulties, month by month, week by week, keeping your account(s) balanced? === I'm terrible about this, especially since ages ago, I took the checkbook balancing away from Dh since he NEVER ever entered checks in the register, let alone balanced the checkbook (He is better about entering checks but still doesn't balance it). And I never seem to be able to get it to balance --- it's always off a few cents one way or another and I can never find the error. Is it my addition? Maybe I can't read my writing? Maybe the bank can't? All of the above.



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Avatar for geeliz
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Registered: 04-04-1999
Tue, 03-29-2011 - 1:29pm

Hi, Carol! Nice to see you here!

My late DH had his bank account and I had mine, for I was still working at the time of his death. His checks were the duplicate kind, therefore, a copy of the written check was left in the book. However, he did NOT use a check register! Instead, this check copy had a balancing chart in the lower right hand corner, and he figured up each debit, credit, including any deposits, and was always balanced with his bank statement when it arrived! I'll never figure out how he did it, but I was truly amazed!

We didn't have the internet at the time, so I, on the other hand, was using that old-fashioned form on the back of the bank statement to balance my account. It was a hassle, and when I found a problem, I handed it over to him and voila! He had it done and grinned as he handed the balanced sheet back to me! lol

DH also had the Quicken utility and figured out all his other finances using it. I never did get into that program for I knew nothing about computers, which at that time was mostly DOS! Wayyyy too confusing for me! He would have enjoyed the internet of today, however....

 

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Avatar for geeliz
iVillage Member
Registered: 04-04-1999
Tue, 03-29-2011 - 1:45pm

Hi, Poppy! Sounds like you've got a great way of banking, paying bills, and keeping track of your account. I can't blame you for now trusting online banking where you live, for there are loopholes that can break through security cracks. I've been fortunate so far, but still keep a sharp eye on things anyway.

I always thought that the balance given by the ATM was my correct balance, however, it says "estimated balance" and under that, I'm quoted the "amount available". hmmmmm I guess that's because the bank needs to compile your last transaction and they're keeping you "safe" by quoting your "amount available". Thank heaven I don't have heavy spending habits or I'd be in real trouble! lol

 

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