If you’ve read any of my finance posts you will know how important I feel it is to keep your own record of the spending you do, and NOT to rely solely on what the bank says you have.
There are multiple reasons for this, but the most important is that sometimes, actually a lot more than you probably even realize, the bank will hold onto a transaction for a few days before it processes. The thing about these types of transactions is that they don’t even show as a pending transaction in your bank account. They aren’t there one day and then suddenly they appear as processed. This usually happens with ACH payments (when you give a company or organization the authorization to debit funds from your account, like when you set up auto pay for your phone bill, or pay your insurance online with a bank account.), but can also happen with other forms of payments as well.
I, in particular, refuse to set up an auto-pay with ACH types of payments because I have on multiple occasions been “burned” resulting in overdraft and returned payment charges to my bank account. I won’t go into detail, but I can tell you, most of the time, the bank will do nothing about it.
Anyways, for example, say you started an auto pay for your phone bill. The following month you check your bank account and see that you have $70 additional. You go out to dinner. The next day your bank account is overdraft and you realize that your phone payment went through after it was supposed to. You didn’t realize before because you thought it had already gone through. Now you are stuck with overdraft and returned payment fees and on top of that you still need to pay your phone bill. *Sigh*
So, this week I have for you this awesome printable bank account register! They match the rest of the Getting YOU in order series so you can add it to your planner or home management binder. You could also set up a separate binder with tabs for each bank account (or credit card) and keep several of these under each tabbed section.
Check it out and grab the download below the pictures.
I hope you love this printable! If you do, don’t forget to check out the other posts in this series. They can be found under “Household” and “Free Printables”.
However, if you don’t feel like wading through waves of blog posts to find awesome freebies like this one, you can sign up for my email list and get access to my FREE resource library. The Free Resource Library has ALL of the printables from around my blog (Over 100 Home, Baby and Kids, and Homeschool resources) right at your fingertips. If that sounds AMAZING you can sign up here!
Thank you so much for stopping by! Come back and see me soon!