You remind me of my self around 35 years ago. I admit to anyone that will listen I am terrible at math. Sometime in those days I would take up to 6 hours trying to balance my statement.
So I know exactly how you feel. In those day the NSF was 5.00 and it was a big thing
I use quicken to balance my bank statement but I usually enter the amounts for all my debits and credits about twice a month - so I really only use the bank recon feature.
For one thing I post like everyday We have this little basket in front of the Computer screen and when anything is bought the ticket goes in the little basket Then at night or the next morning I post them. Also to I have every credit card listed on it. Like Chase, First National and the other two. I have the balance when the bill comes in I put down the interest for that month so I kinda know if they have changed the interest on me from the month before. And I put my payment I send them down. If I pay extra I put a SF next to it and that is my snowflake total for the month The total of debt is added up by Quicken and that is what goes on my ticker.
We just have two accounts now. One checking for the mortgage to be taken out of that is in Raymonds name alone to protect his little flat behind if something happens to me
And the main account that all the saving and checking money is in. I have checks written for the taxes that are due in November in there. Under Mr Tax Man
And we only get paid once a month So I list each week's living money like is was a debt. then when the week comes up I know by the date to delete and the total goes to the bottom of the page.
I have a Christmas check which is not much My efund all of it is in that one account with different names on it as if it was a check
When we were closer then we are now When I would debt anything or rather Raymond would I would go to the next 50 cent or a 1.00 and put that down in quicken. Say something was 23.32 I would put down 23.50. If it was 45.60 I would put down 47.00
When the statement come in I just change the amounts. What the difference is shows up at the bottom of the page. I do write down on a piece of paper the amount I start with. Say I have 48.38 left a the end of the month Then I put that on a sheet of paper Because after I do the statement that balance may have changed by 20.00 or so. because of the extra cents here and there. Then I add it on to the check or debt that is in my name. That is my backup money just in case I do forget to put something down.
I know exactly how you feel. I did the same thing at the end of May. I went shopping to a few different stores one Saturday and did not write two of the debits in my checkbook. For whatever reason, I did not check my bank balance for about 5 days after and when I did, by that time checks that I had written had also hit. The bank did not send them back, but did of course charge me $30 for each item they paid for. It was 3 of them. Needless to say, $90 for not writing something down!
It was a $30.00 NSF for each - so that is $60.00 - and yes it was a lesson well learned...I'm not going to say it is never going to happen again - because usually what you say won't happen - does - but I am going to say that I am going to be so VERY careful.
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I'm so sorry!
You remind me of my self around 35 years ago. I admit to anyone that will listen I am terrible at math. Sometime in those days I would take up to 6 hours trying to balance my statement.
So I know exactly how you feel. In those day the NSF was 5.00 and it was a big thing
I use quicken to balance my bank statement but I usually enter the amounts for all my debits and credits about twice a month - so I really only use the bank recon feature.
Sorry this happened. But it was an honest mistake.
Now you will be extra careful so it doesn't happen again!!!
(((HUGS)))
Bex -
"Yesterday is history, tomorrow is a mystery, today is a gift -thats why its called the present."
Bex -
For one thing I post like everyday We have this little basket in front of the Computer screen and when anything is bought the ticket goes in the little basket Then at night or the next morning I post them. Also to I have every credit card listed on it. Like Chase, First National and the other two. I have the balance when the bill comes in I put down the interest for that month so I kinda know if they have changed the interest on me from the month before. And I put my payment I send them down. If I pay extra I put a SF next to it and that is my snowflake total for the month The total of debt is added up by Quicken and that is what goes on my ticker.
We just have two accounts now. One checking for the mortgage to be taken out of that is in Raymonds name alone to protect his little flat behind if something happens to me
And the main account that all the saving and checking money is in. I have checks written for the taxes that are due in November in there. Under Mr Tax Man
And we only get paid once a month So I list each week's living money like is was a debt. then when the week comes up I know by the date to delete and the total goes to the bottom of the page.
I have a Christmas check which is not much My efund all of it is in that one account with different names on it as if it was a check
When we were closer then we are now When I would debt anything or rather Raymond would I would go to the next 50 cent or a 1.00 and put that down in quicken. Say something was 23.32 I would put down 23.50. If it was 45.60 I would put down 47.00
When the statement come in I just change the amounts. What the difference is shows up at the bottom of the page. I do write down on a piece of paper the amount I start with. Say I have 48.38 left a the end of the month Then I put that on a sheet of paper Because after I do the statement that balance may have changed by 20.00 or so. because of the extra cents here and there. Then I add it on to the check or debt that is in my name. That is my backup money just in case I do forget to put something down.
In January I was trying to close out one bank account and switch to a new account with a paper check.
Norma
"Patience is the best remedy for every trouble"- Plautus
I hate the kick you when your down programs
I know exactly how you feel. I did the same thing at the end of May. I went shopping to a few different stores one Saturday and did not write two of the debits in my checkbook. For whatever reason, I did not check my bank balance for about 5 days after and when I did, by that time checks that I had written had also hit. The bank did not send them back, but did of course charge me $30 for each item they paid for. It was 3 of them. Needless to say, $90 for not writing something down!
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