Fear and balancing the checkbook

checkbookI begin to think no one does this but me.  Balancing a checkbook.  My daughter and I had a conversation the other day about how to balance a checkbook and she has never had to do this.  She has a debit account (also known as a checking account) but now a days they don’t even give them temporary checks to utilize.  I am beginning to wonder if anyone else uses checks (albeit just about 5 a month) but I use them.  I think her belief is she just keeps checking her account and if there is cash in there she can spend it (which is okay when you don’t have outstanding bills you paid by checks and you are waiting for them to be cashed.)  I guess one of these days I will have to teach her how to balance a checkbook but that won’t be today.

However this isn’t about checks but more about balancing or fears we have that distort our attempts to balance things.  I find myself avoiding the checkbook once the fear4statement comes in.  I know it needs to be balanced, I know I need to make sure I know what monies are left in my account but I don’t always want to know down to the exact penny.  This is weird coming from a person who always wants to be in control and even stresses as we spend, spend, spend especially during the holidays.  But some days I just want the mysterious bank fairy to deposit enough cash in the account so I don’t have to worry.  In reality when I do spend the 20 minutes balancing everything out in Quicken, I realize I have more monies than I thought I did and I am at ease (well at least for the evening until we start spending again).  I think this is sometimes how I live my days.

I know I need to do some things but yet I plug on and on and avoid the obvious things and just do the easier things.  I will clean the house to avoid writing a paper (okay it doesn’t happen right now but when I was in college).  I find myself opening up my computer to do something but instead of doing it I will waste my evening on Pinterest (not really wasting, there are some great ideas on there which I will probably not do half but I have them pinned just in case).  And yet one more example I need to sign up for my licensure test so I printed out the form, left it on the printer for days, finally got all the paperwork finished, couldn’t find an envelop big enough so had to buy one (it took days), got the envelop and addressed it, and it took a few more days to add postage and send.  In all I filled out the form towards the end of November and finally sent it a few days before Christmas.  Why?  Because of fear of the unknown or at least that is what it feels like.

If I spent as much time getting stuff done and as I did avoiding certain things who knows where I would be.  Well I would probably be where I am but more than likely some things in my life would be different.  I’m not making a resolution for the new year to do things differently mainly because I like to set goals and not resolutions and this is really a change I need to make to make things better for myself forever and not just for 2014.  So I guess what I am saying is that facing these little fears of everyday life is a goal for me.  I already know the relief I feel when I do it so now I just need to implement it.

Are there fears that you need to face in 2014?  Will you do it? 

Come balance your checkbook with me so you don’t have to worry ridiculously!fear5

3 thoughts on “Fear and balancing the checkbook

  1. The farm has a cheque book (that’s what we call them in Australia) but it’s only for the business. I like checks and balances in life, it’s good to take stock and see what’s happening and hopefully find we aren’t in deficit in any areas 🙂 Great post!

  2. I used to balance my checkbook diligently every month. Now, though, with all my checks going out electronically, sometimes I don’t even check the account often enough. But I suspect you meant more than checks when referring to balance….

  3. I use my checkbook! I don’t have bill pay so I pay my credit card bills with checks. Is that super old school? Everyone tells me it is lol. Something freaks me out about having money automatically drifting out of my bank account and off to the credit card company. I guess I feel more in control with checks. I see the bill, am forced to double check everything, and write out the amount due. Also prevents me from over-spending because I write the damn check!

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