I started putting together a system of budgeting spreadsheets to help us along. I also knew that budgeting would spare our marriage from plenty of stress and headaches when it came to “money discussions.” I knew that budgeting would be the key to a successful financial situation. We were going into marriage in love, but broke (we’re still in love, but not broke anymore). How you spend your time in planning your finances is crucial.īefore my wife and I married, I recognized that we would need to watch our finances very, very closely. Nobody likes to pay overdraft charges, and everyone likes a bit of peace and assurance when it comes to personal finances. However, everyone likes to have plenty of money in the bank. Not many people enjoy balancing their checkbook. Don’t waste your money, and especially, don’t waste your time.
And those checkbook balancing programs you might see advertised? You definitely don’t need those either. Checkbook balancing is just not something we worry about. When we started making “real money,” we still didn’t balance our checkbook. And you know why? Because we had a budget. I’m just telling you how things developed. And we’ve never overdrafted on our account. Since we married we have never, ever, worried about checkbook balancing. And when you’re married, even though you’re combining two incomes, you seem to be even poorer. When my wife and I first got married, we were both in school full-time, with part-time, low-paying jobs. Let me explain… Why Checkbook Balancing is Unnecessary
Here’s the thing: you don’t need to balance your checkbook. Do you spend a decent amount of time and energy balancing your checkbook? Or maybe you don’t spend any time at all on it, and you’re wondering if you should.
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