How do you manage your bank account

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I do all my baking online and check my balence dailly.

I've had a bank account since I was 15. It was just savings. Then I had a checking account when I was 18 and closed my savings since they were taking two dollars out of it every month.


I never really had problems. I just watch how much I spend and keep checking it every time I see a ATM machine from my bank. Then I started to do it through the internet. That also helps.

I pay one of my bills online and pay my other bills through checks. When I went out to Montana for Thanksgiving, I paid all my bills before I left except electric because I could do that online so I did while I was there.

Online (bills, funds transfer, etcetera). I only had/have problems if my mother asks me out of the blue to check my account (as I didn't plan for it); she can check now as she has all the details.

O, and yeah, I would have many problems if it wasn't all online (as that requires interaction).

I manage my bank acount very easily - my income goes automaticaly to my account. My expenses with electricity, water, TV/internet, mortgage, etc. are discounted automatically.

I day-to-day, I use the ATM to raise cash.

Every month, when I receive my income, I check the value in the account, and, if is bigger than a certain value, I transfer the surplus to a savings acount (I do this on-line).

If the value in the savings account is bigger than a certain value, I use part of it to do an extraordinary amortization of my mortgage.

On a theoretical level I am quite good when it comes to money, I even helped some friends with financial decision and investments (to their benefits), but when it comes to my own money I am constant in deep red area. Money as an intellectual game is fun for me, but I still have realized that it is in anyway important for me (even on an intellectual level I am fully aware about this).

easily

i don't even know if my bank account exists any more. I haven't had a job in over a year, and haven't used the account or had any money in it for that long. I may have to make another account.

I'm pretty useless, I need a book-keeper or a PA to manage my finances.

I lose track what I've spent, don't budget... I need help organising my finances.

I have direct payment set up for everything vital, and other than that I'm just plain stingy with myself..I am always scared of debt so I don't like to buy anything on credit...if I can't thoretically afford to pay cash for it, I don't have it. Trouble is I scrimp so much I sometimes resent people who treat themselves to nice things...