Using a Check Register

How to keep records of check usage

A Personal checking account is an exciting venture in independence. When you have your own personal checking account, you can make money decisions for yourself and manage your own money. When writing checks, it is necessary to know just how much money you have at all times, and to be aware of where you have been spending money. To save yourself from writing bad checks or straining your budget, a printable check ledger can organize your check writing and ensure you are spending your money wisely.

Check registers offer the same filing system as the check registers that come with your checkbook, but are less expensive to replace and refill. A printable check register contains similar lines and blanks for entries. It is important to know how to correctly use a check register. Check registers help you to keep track of your money, and also allow you to double check your statement from the bank. May people have saved money by checking their check register with their bank statement, catching mistakes early on and making sure they know where all of their money is at all times.

The key to success with a check ledger is to enter every account activity. To make an entry into a check register, you need to have some very important pieces of information. You need to know the check number you wrote, the date you wrote it, the amount you wrote the check for, and who you wrote the check to. Every time you make a deposit, this should also be entered into the check register. When you make a deposit, you need to know how much you deposited, if it went into savings or directly into checking, and on what date the deposit was made. Interest on your account should also be added in monthly to ensure your register balance accurately reflects the bank’s balance.

To enter information into a checkbook register, start on the first line. To the left, write the date you wrote the check and the check number. This will help you track your checks and ensure they are all being cashed. Next to the check number, write who you wrote the check to. This is important for many reasons. Knowing who you wrote your check to allows you to be sure you paid all bills and outstanding debts, and also helps you to double check your money is going to pay the people you meant for it to. Next to this line, write the amount you made the check out for. Be sure you accurately record the amount, dollars and cents. There should be another blank next to this where you can record your new balance. It is important to subtract the amount you wrote your check for from your previous balance in your check book so you always have an accurate idea of how much money you have. Knowing your balance will keep you from spending more money than you actually have, and will save you money in overdraft fees or return check fees.

Whether you choose to use the check register in your checkbook or a downloadable check register, you will see that benefits of staying organized with your checking account.

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