{"id":409,"date":"2021-09-04T19:16:53","date_gmt":"2021-09-04T19:16:53","guid":{"rendered":"https:\/\/market-wisdom.com\/?p=409"},"modified":"2021-09-04T19:16:57","modified_gmt":"2021-09-04T19:16:57","slug":"balancing-checkbooks-quaint-anachronism","status":"publish","type":"post","link":"https:\/\/market-wisdom.com\/index.php\/2021\/09\/04\/balancing-checkbooks-quaint-anachronism\/","title":{"rendered":"Balancing checkbooks:  quaint anachronism?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"840\" height=\"560\" src=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?resize=840%2C560&#038;ssl=1\" alt=\"\" class=\"wp-image-410\" srcset=\"https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?w=1920&amp;ssl=1 1920w, https:\/\/i0.wp.com\/market-wisdom.com\/wp-content\/uploads\/2021\/09\/checks-688352_1920.jpg?w=1680&amp;ssl=1 1680w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><figcaption>Image courtesy of Pixabay <\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Background<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In the past, the monthly reconciliation of your checkbook register with the bank statement was a standard ritual.&nbsp;&nbsp;Up until the 1960\u2019s it was common for public schools to teach how to do this.&nbsp;&nbsp;However, this is certainly no longer the case.&nbsp;&nbsp;Does anyone balance their checkbook anymore\u2026and does it even matter?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Findings&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Nope:&nbsp;&nbsp;&nbsp;<\/strong><a href=\"https:\/\/findanyanswer.com\/what-percentage-of-people-balance-their-checkbooks\">79% of American adults report they never or rarely<\/a>&nbsp;balance their checkbook.&nbsp;&nbsp;Based on my own qualitative interviews, many of the other 21% aren\u2019t being truthful.&nbsp;&nbsp;Just ask your friends\/kids\/partner\/next door Millennials.&nbsp;&nbsp;Balancing is rare.<\/li><li><strong>But we check our balances all the time:&nbsp;&nbsp;<a href=\"https:\/\/www.lexingtonlaw.com\/blog\/news\/american-financial-tracking-poll.html\">O<\/a><\/strong><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/news\/american-financial-tracking-poll.html\">ne study reports<\/a>&nbsp;that one in three checking account holders check their balance\u2026daily!&nbsp;&nbsp;Another one third check it weekly.&nbsp;&nbsp;If you\u2019re not balancing your checkbook, at least you\u2019re finding out if you\u2019re out of money.<\/li><li><strong>Yet we still mess up and overdraft:&nbsp;&nbsp;<\/strong>1\/5 of Americans report paying an overdraft fee&nbsp;<a href=\"https:\/\/www.pewtrusts.org\/~\/media\/legacy\/uploadedfiles\/pcs_assets\/2012\/SCIBOverdraft20America1pdf.pdf\">in the past year<\/a>.&nbsp;&nbsp;90% of those said they overdrafted without realizing it.<\/li><li><strong>And have no idea what we spend:&nbsp;&nbsp;<\/strong>Only 1\/3 of Americans claim to have an idea of&nbsp;<a href=\"https:\/\/mint.intuit.com\/blog\/budgeting\/spending-knowledge-survey\/\">what they spent<\/a>&nbsp;in the past month.&nbsp;&nbsp;This is much lower for younger adults, 27% for Millennials and 23% for Gen Z.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Implications<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">OK\u2026does it matter?&nbsp;&nbsp;If you keep track of your balance and there probably aren\u2019t any big or weird bank errors or fraud in your account, so what?&nbsp;&nbsp;If you\u2019re using a debit card, it\u2019s hard to spend more than you have!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yet I\u2019d argue there are two good reasons to balance your checking account (at the risk of sounding too old school).&nbsp;&nbsp;The first, smaller one, is to catch any errors or fraud in your account.&nbsp;&nbsp;Do you really trust your bank to be perfect?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The larger reason, though, is to understand your spending.&nbsp;&nbsp;If you\u2019re not reviewing how you spend, you can\u2019t manage it.&nbsp;&nbsp;Consider that the evolution of spending puts us farther and farther away from the reality of money.&nbsp;&nbsp;&nbsp;WE&#8217;ve moved from paying with cash, to writing checks, to swiping a debit\/credit card, to now waving your phone at a terminal.  Spending doesn\u2019t feel like using real money.&nbsp;&nbsp;A monthly review of what you spent increases your knowledge of it and will probably make you think twice about certain expenditures. We\u2019ve seen that for the past 40 years the&nbsp;<a href=\"https:\/\/market-wisdom.com\/index.php\/2020\/03\/09\/spending-into-oblivion-the-disturbing-trend-in-the-personal-savings-rate\/\">savings rate has been on a downward slide<\/a>&nbsp;\u2013 is part of this because we don\u2019t even pay attention to expenditures?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s a need for basic financial education of Americans before they turn 18.\u00a0\u00a0Parents seem unable to do it (how can you teach it if you don\u2019t know it yourself?).\u00a0\u00a0And it is certainly NOT the one-day quick hit \u201cfinance day\u201d that seems popular with many bank\/brokerage funded education programs.\u00a0\u00a0It has to be ongoing education, as a partnership between schools \u2013 choosing their curriculum \u2013 and financial services firms that are willing to dedicate the resources to helping it work long term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/market-wisdom.com\/index.php\/sign-up-for-cool-weekly-insights\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sign up for the weekly insights email!<\/a><\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Background In the past, the monthly reconciliation of your checkbook register with the bank statement was a standard ritual.&nbsp;&nbsp;Up until the 1960\u2019s it was common for public schools to teach how to do this.&nbsp;&nbsp;However, this is certainly no longer the case.&nbsp;&nbsp;Does anyone balance their checkbook anymore\u2026and does it even matter? Findings&nbsp; Nope:&nbsp;&nbsp;&nbsp;79% of American adults &hellip; <a href=\"https:\/\/market-wisdom.com\/index.php\/2021\/09\/04\/balancing-checkbooks-quaint-anachronism\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Balancing checkbooks:  quaint anachronism?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-409","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Balancing checkbooks: quaint anachronism?<\/title>\n<meta name=\"description\" content=\"Balancing checkbooks: quaint anachronism? 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