All I do is figure out how much I need every month for the bills, then when I have $20. or $40. after figuring that out, I write it in the back of the checkbook. In other words, I will deduct the amount from my husbands paycheck deposit and write what I deducted in the back of the checkbook and let the amount add up over the year. If you need help to understand this process more just let me know, I will explain it more thoroughly for you. Once you develop experience in doing this, it will become natually for you to do. And pretty soon you will know when you are able to put extra away. It's called embezzling from your own checkbook. You just have to remember to add it to your total when you balance your checkbook. Just think, $20. a week adds up to $1,040.00 a year.
at 9:32 PM on Jun. 19, 2008