How to get crazy white whites

So this one's gonna be short but awesome, because we're solving one of those pesky little everyday problems: keeping your whites looking white. Really white. Not beige, not dingy, and not with those gross yellowy stains around the armpits. A keep reading

How to network your face off!

Ever have that feeling of being shocked, yet not at all surprised by a fact? I had that feeling the first time I was told that an estimated 80% of jobs are never listed. I'll give that a moment keep reading

How to make healthy fries that don't suck

Depending on the restaurant, the average serving of french fries is about 275 calories - and no one ever has just one serving size. For a healthier alternative that still satisfies your craving, try this recipe for oven-baked fries. keep reading

How to get a better, longer night's sleep

I feel like I hear the phrase "I'll sleep when I'm dead" way too often these days. And when you say this to me, I don't find you to be an impressive go-getter. I assume you're a manic, high-strung, keep reading

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How to balance a checkbook

how to balance a checkbook

Source: creditcards.lovetoknow.com

One day I’ll sit my children down around the fire and tell them about the olden days before the internet, when you had to go to the bank to withdraw or deposit money and keep track of your balance on a funny little thing called a “register.” And yes, we used to pay with things with dirty little pieces of paper called “cash” – not debit cards.

Even now you might wonder why you need to balance your checkbook and keep a register when you can access this online or from your phone. There’s a few reasons you should have this skill. First, even banks make mistakes. Wait, let me rephrase that: especially banks make mistakes. If you keep your own records, while it’s not totally solid or legal proof of your case, it will help you more quickly pinpoint the problem if something goes wrong. Second, most banks have delays of several business days until credit and debit transactions are posted, so when you check your balance, you may think it reflects purchases you’ve already made when it doesn’t. And finally, if you record your spending, you’re less likely to make unnecessary spending and you’ll have a better idea where your money goes when you’re ready to put together a realistic budget.

I learned this lesson the hard way a few years ago when I got lazy and just checked by available balance occasionally withouth keeping tabs on my own. I overdrafted myself because I didn’t notice a paycheck bounced when my company switched payroll accounts. Had I been keeping track like I should have, I would have noticed the mistake earlier and I wouldn’t have incurred so many fees.

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posted by Manda in Finances say something