When I write a check, I make sure I write the real amount on the check, but in my checkbook register I round the figure up. When I deposit money into my account, I round the figure down. You will never, see or feel it. In 2 years it adds up big time and them some.
I have done this for about 30 years. Also, I buy everything with my ATM card & when there is a return. I don't credit it back in my account. What I do, when balancing everything, I make sure i have all the subtractions from my account & that they have everything I have, then I look at the balance, according to them. As long as they say I have more money than I think I have, everything is fine. It does add up. What ends up happening, is you end up with a cushion of funds. When you think you have no money, there is enough to cover something that you can't wait to get. When my checkbook says I am really low, I put in the deposit & leave the amount open, then when I write a check or use my ATM. I put the amount after the deposit space. It gets subtracted after the next deposit. I never count on that money or spend it. I just have it there. When my husband & I separated, I closed the checking account & I had over $500.00 I didn't know I had. It was really nice.
GREAT IDEA! ...I do this now, but it REALLY came in handy when I got laid off when my children were young. After several years of "rounding up" the cents on my checkbook, I ended up with an extra $800 when I got laid off my job & REALLY needed the money...
These days $800 may not sound like much, but back in the early 1980's (when this happened) I thought I'd hit the jackpot & it was enough to get me caught up on my bills & repair my car... This is an easy & non-painfull way to save up money!
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