It might just be me, but some of those look like incredibly complicated ways to mess up your finances [g] If I messed around with the numbers like that I'd be lost in a few weeks. The more common sense ones were good, though.
I already do the 'rounding' on my checkbook - though mostly I record the dollars accurately, and just round the cents up or down. it makes doing the math easier (always a plus), and means that I usually have a small amount of float to cover a minor error.
I used to subtract $300 or $100 from my checking account to prevent the overdrafts and the omg!nomoneyforanothertwoweeks syndrome. Nowadays, things are a bit easier in that arena and I play games with pushing money into my saveings account. I like the idea of moving the grocery savings to the savings account.
Personally, if I start messing with the totals in my checkbook, and rounding up and down, I'm just asking for trouble. It's all I can do to keep up with actual money, let alone imaginary. I do online banking, and I really recommend it, if you're not doing it already. I pay bills online, and don't even remember the last time i had to buy stamps or go to the post office. Plus, it's very easy to transfer money to my savings account, or my bank's credit card. I can even make a little deposit of whatever I have left at the end of the month, even just 25 bucks sometimes.
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I do online banking, and I really recommend it, if you're not doing it already. I pay bills online, and don't even remember the last time i had to buy stamps or go to the post office. Plus, it's very easy to transfer money to my savings account, or my bank's credit card. I can even make a little deposit of whatever I have left at the end of the month, even just 25 bucks sometimes.
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