Whenever I write a check or use my debit card, I round up the amount to the nearest $5.00. For instance, if the amount spent was $12.99, when I balance I round it up to $15.00. This way I have money hidden in my account and overtime it helps protect me from overdraft charges. Every month, add up what you "saved". I call it "my stash"
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I have started rounding up every amount I take out of the check book. I have decided this way there is always extra there I just don't know it. If my check is for 4.56, I write in 5.00. I have already saved almost $200.oo in the last month. When I balance my checkbook, extra goes in savings.
When I balance my checkbook I round up to the nearest 5. So $20.99 spent I take out $25. At the end of the month I take the surplus and transfer it to our savings account. We saved $5,000 just last year. Its a great way to learn to live within your means! And save for something special!224
I don't carry my checkbook with me much of the time and I use my debit card for purchases. I got an extra check register and record all debit card purchases, or withdrawals from the ATM, in this. When I get home I set down and record all the transactions so I don't have to keep track of all the receipts. This has made balancing my checkbook a snap.
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