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How To Use A Checkbook Register For Financial Management

By Bertrand Vogelstone

Using a checkbook register is almost an intuitive skill for anyone who has written a lot of checks. But first we should define what a checkbook register is exactly. In general a register is a table or entry form that holds information about each transaction that affects the bank balance. The checkwriter is responsible for inputting the information and using it later.

When are checkbook registers used? Anytime there is some activity that involves changing balance in the bank account, a checkbook register can be used. For example, writing out a check for the local utility company. Another example is using the ATM card at a location that does not give you back a running balance of how that transaction affected your bank account.

The usage of a checkbook register involves simply understanding the four of five bits of information to enter. The most important ones are usually the date of transaction, the check id number, a short note explaining the transaction, and if any fees were involved. All entered information goes into columns for easy reading.

The process is the same for paying your monthly telecommunications bills. In the event that your cellular phone plan is old-fashioned, it is possible that you are paying too much money every month. Identify a good money management online place and enter all the pertinent information regarding your current cell phone plan, then you can compare it to plans that are suggested on the market today. You might be able to get a guess of how much you can cut costs by switching from your outdated plan to a updated one.

Consumers buying large items can use the same methods for recording large amounts. A large appliance can drain your budget when you buy it and then continue to drain your budget when you run it, due to the energy it consumes. Often, consumer website tell that a consumer check the energy star rating of an appliance and determine how much power it requires before purchasing it. An intelligent consumer can save a lot of money on energy during the year. For a good deal, look for an appliance that is labeled with the government’s energy star rating that can save you almost 50% in energy usage.

Large, necessary items such as insurance payments are suitable for entry into the register. If your job is considered to be low-risk, you may be able to save some money on your health insurance rates. People like accountants or teachers may be able to get lower cost health insurance because they work in safe environments. Be sure to take advantage of low cost prescriptions at places like Sam’s Club, Costco, and KMart. Despite these actions it is likely that the monthly health bill will be challenging to your budget.

Peruse the most up-to-date news concerning to checkbook register. Uncover the latest research and articles in regards to purchasing instructions on how to use a transaction register.

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Article Citation
MLA Style Citation:
Vogelstone, Bertrand "How To Use A Checkbook Register For Financial Management." How To Use A Checkbook Register For Financial Management. 12 Jul. 2010. 7 Mar 2016 <>.

APA Style Citation:
Vogelstone, B (2010, July 12). How To Use A Checkbook Register For Financial Management. Retrieved March 7, 2016, from

Chicago Style Citation:
Vogelstone, Bertrand "How To Use A Checkbook Register For Financial Management"

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