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Every single time I write a check, use my debit card, or anything like that I keep track of it.
I also use Microsoft Money, but that's mostly to remind myself of when things need to be paid.
I get my check directly deposited, and whenever I make any kind of transation I take out my little notebook and make note of it. This way, I know what money I really have, compared to what the bank says. Recently I had about $400 less than what the bank thought because of a few checks that hadn't cleared. If I spent that $400 I would have been quite screwed....
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Absence is to love what wind is to fire. It extinguishes the small, it enkindles the great.
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