How do you keep track of your checking/savings account transactions?
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Anonymous
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Do people still use paper ledgers? If not, what app do you use?
Maybe I'm more obsessive than the average bear, but I have to check to make sure each transaction posts. If I don't keep a close eye on transactions/balances, I will likely make a costly mistake. So, what do you use? |
Anonymous
| I'm old school so I still use paper. |
Anonymous
| I use my bank's app as well as Mint. I also receive texts from my bank whenever a deposit posts. |
Anonymous
| I also still use paper ledger. I prefer it. |
Anonymous
OP here: I use the paper ledger religiously, but I feel old every time. 
I figured there must be a better way. |
Anonymous
| Used a ledger for years while building an emergency fund. I could put in bumpers of money to pad the fund. Now we just use our bank online. All of our accounts are there and everything posts immediately. I like it. |
Anonymous
OP here: I check online almost daily, but things rarely post immediately, hence my need for the ledger. I use M&T Bank. |
Anonymous
| Quicken |
Anonymous
| My online account posts immediately. I use an excel spreadsheet to track over time and forecast my balance. I also use a tab in it to track my credit card balance to keep my spending on budget. |
Anonymous
+1 & my checkbook is always balanced to the penny. |
Anonymous
Likewise. But I don't balance it. I just check once a month to make sure that all checks I wrote have been cashed, and mark them off. |
Anonymous
| Check online a few times a week |
Anonymous
| I don't keep track. I just always keep a 5k cushion in the account. I don't have that many things that I pay out of checking. |
Anonymous
| People still use checks? |
Anonymous
OP here: I don't, but I use my debit card occasionally. Mostly, though, I need to keep track of auto-payments and things like PayPal, etc. |