CheckBook

Who balances the checkbook in your house? Your mother? Your father? or if you are married is it you or your spouse? Or if you are single, do you balance your own checkbook, or know your balance...?

Balancing a checkbook is real easy. You do NOT need to be Einstein here to balance a simple checkbook. You have the columns labeled. You enter your deposits under the heading "deposits/credit(+), they even include the PLUS sign for you to understand that you are adding money to the balance. The Balance column is all the way to the right. You keep adding that row of deposit or payment and get a balance...this is called a running balance.

The other columns you need to know....Description of transaction. This lets the checkbook balancer know what you did...and how to figure out expenses or income. The column right next to that on its right (columns 5) is Payment/debit ( - ) columns. This is where you put the amount of your check along with the check number (column 1) and date (column 2). If you are lousy in math, just put the numbers in the right columns, and leave the math to your significant other, or when you have a calculator handy. It is that simple. Easy. Nothing to it.

BUT WHY????? do we have so many issues with balancing a checkbook? I just told you how to do it! Why are people writing bounced checks? Why when you reconcile your checkbook with your bank statement, you are way off? How come it NEVER balances out when you try so hard to keep it even??

It must be those ATM's! I mean you write a check, you automatically enter the number and the amount...but the ATM.. You forget how much you took out or how often....or maybe it's the nasty bank fees you forget about. $1.50 for using a different ATMachine, and another $1 fee for something else. You forget...both sides need to hit you up for the money. Your account for using a different ATM other than the one with your Banks name on it, AND the ATM you use for not having an account with them. Go figure. It is like charging you for depositing a check that bounces! I mean, you don’t know it will bounce when you deposit a check you received, why should you be hit with such fees???? But back on topic....why can't a simple task be done? Why do people say.."oh, I don't do that....so and so does it...I could never balance our checkbook" WHAT's SO HARD about it???
If you know why....let me know...meanwhile I need to go see why I am not reconciling with my statement........



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