How do you manage your bank account

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The topic 'adults with guardian' made me wonder how others on the spectrum manage their money and account. People my age usually already manage their accounts by themselves.

Can you manage yours all by yourself?

I don't use my account myself. I did it myself a couple of times when I could just walk to a certain location to a certain desk and ask for the amount. But you can't do this anymore where I live but have to use the cashpoints. I watched how to use it, I went with my mom a couple of times, but I can't do it yet.

My bank offers secure online banking so you can check balances and transactions and make transfers. Usually I just use my bank card for purchases, but if I need cash for some reason I usually get it from an automatic teller machine.

ya ill use my bank card and visa electron to shop online ..i also do most of stuff in net so i dont have to deal with long bank waiting times

I created a budget spreadsheet in my phone so I can enter everything that I spend and categorize it and see how much I've spent in each category/how much I have left to spend in said category. I try to enter things as I spend them and I check my bank account online almost everyday to make sure everything matches. I also set alarms on my phone to remind myself to pay the bills.

I manage my 'billing account' that all of the bills come out of, my personal account where I buy things for myself, and the savings account where I am saving for a house and I have a detailed month-by month breakdown of what will be saved each month for the next two years.

I'm a planner/organizer

I have never bothered to balance my checkbook. I am really goodwith numbers so I always have a good idea (usually within 10$) of how much money is in my account. I pay my bills on the 1st of every month, regardless of when they are due. I set up all my automatic withdrawls to come out at the same time. I get paid every two weeks and I usually know exactly how much my paycheck is for since I'm salaried.

I never use the ATM at the bank, and I never use the drive-thru....If I really need cash, I will write out a check to cash and cash it at the bank. I do pretty much all of my banking online. I have a savings account that withdraws directly from my checking account on the same day all my bills get paid. I always have enough money in my checking account to cover three months of bills.

Online banking makes it so much easier for me.

Now if i could only learn how to not lend money to friends and family when they are broke. That kinda messes everyting up....

Yep, all by myself. My pay is direct deposited. I've figured out how much my bills are to see how much I have left, of that I pull out in cash from an ATM what I'll need to spend on groceries and going out for the week and pretty much limit myself to that cash. Whatever's left at the end of the month goes into savings. I call the automated phone number and log in online to check and manage my account. I only go into a branch and speak to a person when I need a new debit card or something.

I check my balance whenever I go to the bank and if it goes below a certain level I don't spend anything more than is completely necessary. That level is generally between about one to one and a half months of rent, utilities, and basic expenses. (I don't save because I'm not allowed to save beyond a certain level because I'm on disability. That's annoying to me because my instinct is to spend the bare minimum and squirrel everything else away.)

I pay my bills every Thursday. On the other days I put all my mail in a box, to process on Thursdays. I also call the automated balance line on Thursdays to get my bank balance. And of course I read my bank statements when they come in.

I learned this on my own, but I did have to pay a few late fees before I learned.

I use it to buy gadgets then never put any more money in it

Naaa that's only the half-truth! I check the balence and stuff when I get my statement. If I want to do other stuff I'll do it online. If I have to cash I need to put in I'll say I'm gonna do it then actually do it about 6 months later

Am I the only one who just does not care about money? not that i'm rich, I don't have my own house nor car nor anything, and yes, most of you may say "that's why". But still.
Though the course of my life, most my depressions ended up on a terrible fear of the future until i started blocking the future, most of them started on past memories so now i also try and block past memories, problem is that all the walls fall when something "triggers" a new depressive cycle, anyways back on the topic.

The money i earn or have, is on my bank account, i used to get paid by direct transfer, and there used to be fluctuations on my paycheck, of around 100€ (depending on extra hours, holidays during that month, etc) which i would not even notice, i give my mother 150€ per month to help her with house expenses, all the rest is just "there" in the bank, when i want something, i buy it. I'm a reckless spender, anything that would bring me 5 minutes of happiness, is worth buying. I do know how much I have, within 100~200€.

Oh no! Sounds risky!

My partner handles all my bank account and other financial stuff.

I was easily able to handle my own financial affairs when I boarded or flatted (I just paid the same money over every week), but I cannot keep up with multiple bills all paid at different intervals with different rules about when they must be paid and various early payment discounts and/or late payment penalties. So I just leave all that to my partner. Sometimes he tries to explain to me whats going on financially, but I really struggle to understand information that includes multiple numbers.

I don't think you'd need anybody to be your guardian if you weren't good at finances. You'd only have to hire somebody to do your bills for you. If your parents were that keen on it, they wouldn't need power of attorney or anything; they'd just have to help with bills. Don't see the point of actually giving them authority over your finances--it's not like you're a compulsive spender or something. Just not being good with money isn't the same as being irresponsible with it.

I handle my money and my bank accounts myself and it hasn't been hard for me. Daily stuff like paying bills, checking the balance of my accounts, taking money from ATMs and saving up money are easy for me. The only thing that confuses me a lot is all the billion types of accounts/cards/investment funds/benefits/interests etc. and the strange terms some of those operate under, so I hate when I have to change something or create a new account or something. I like to just keep things simple.

have it managed by the council,they're not allowed to take anything out for their carebills if it's classed as essential or a disability need [which laptops,broadband etc] come under for am.