How to manage your checking account

Protect yourself against the possibility of writing bad checks.

The most important thing that you need to do in order to manage your checking account is simple: keep track of all of your transactions. This might be annoying if you end up writing a lot of small checks for small things, but in the end it will definitely be worth it. By writing down each check you write and the amount that they were for, you’ll know exactly how much money you have to spend, how much you have spent, and whether or not you can afford what you are buying.

There are a lot of good reasons to know where all of your money is going. However, they are not the only reasons why you should learn how to manage your checking account. Let’s say you are not keeping track of the amount of money that is in your checking account. You know that you are getting close to the end of your money, due to it being near the end of the month, but you’re not entirely sure. Therefore, you write your last check – and it bounces. Bounced checks are not only embarrassing, but they will result in a lot of lost money for no reason other than that you were careless. First of all, most establishments will charge you extra fees for bounced checks – and may not allow you to write checks in the future. Second, most banks have hefty overdraft fees – and you don’t want to waste your money paying those.

The next thing that you should do if you’re trying to learn how to manage your checking account, is to try and make sure that you always have a few hundred dollar buffer in your account. This is not just to pad against overdraft fees and bounced checks, but can actually come in handy. For instance, it’s always possible that there could be an emergency situation in which you need some extra money – in which case having extra dollars in your checking account could be a life saver.

When it comes to managing checking accounts, these are really the most important things that you should do. Always make sure that you have extra money in your account – and keep track of your expenses!

How To Get Rich Today

Want to know how to get rich today? You could try the lottery, or try your luck at the roulette wheel. Of course, you know the odds are against you, right? Want a better way?

Start thinking about what it means to BE rich. Consider that you are sitting there with a fantastic machine in front of you – the computer. It can entertain you, educate you, employ you and more. Think back two hundred years ago, when the richest people in the world didn’t have access to a computer, or a television, or a car, or a refrigerator, flush toilets or modern medicines.

Think about how many millions of people TODAY would eagerly trade places with you. If you consider yourself poor, there are others who would consider you rich by comparison, right? “Rich” is relative, isn’t it? While others imagine how much better their lives would be if they had as much as you, you imagine a life made better by even more wealth.

It’s certainly true that life can be improved by money. Those who tell you differently are lying or have a real lack of imagination. However, long before you get rich according to whatever standard or goal you have, you can get rich by living differently. You can learn how to get rich by enjoying the real wealth you already have. If you don’t learn how to enjoy life first, you may not enjoy future wealth in any case.

Who is really richer, a person with a lot of money and things who is alternately stressed and bored, or a person who is enjoying all the good things he has, however few they may be? Appreciate what you have, and you WILL be richer. Of course you should plan for the future, to make more money, but get rich today by living in a state of gratitude for what you already have.

How To Get Rich Today – Part Two

Isn’t money a blessing, as well as an incredible and fascinating invention? It’s the distilled essence of all the worldly things and situations you might want or need. Why not make more of it? The following are some simple reminders of things you already know about how to get rich.

1. Plan to make more money. Choose a way (there are many) and work it. Try another if you fail, but don’t stop trying. Fast or slow – you can get rich. However, don’t just think about getting rich. Put your goals in writing, and take the steps necessary.

2. Decide what is truly important to you. I have seen more than one person spend what could have been a wealth-building investment on things that really weren’t important to them. Self control doesn’t have to mean self-denial, but it should mean doing what you REALLY want for the long term.

3. Learn to manage money. If you watch those “Where Are They Now” programs, you’ll quickly see that it’s easier to lose millions than to make them. How many famous people have blown through all their money in a few shot years? About 1,897. Okay, who knows, but the lesson is clear. You need to understand how to manage money if you want to get rich and stay rich. Why not start educating yourself?

Enjoy what you have, and put a plan in place to get more – this is how to get rich today.