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LPT: Name your bank accounts with the amounts they need to balance out at the end of each month (+ overdraft) (lemmy.world)

submitted 3 weeks ago* (last edited 3 weeks ago) by [email protected] to c/[email protected]

7 comments fedilink hide all child comments

This applies mostly to accounts you use to set aside for different expense areas creating an implicit metric you can look at the end of each month to determine how far off the mark things worked out
Once you get everything on schedule, build some redundancy to it by having an "overdraft" amount on each account that is added to the necessary monthly balance and always replenish it so it is available in a pinch.

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[–] [email protected] 3 points 3 weeks ago (1 children)

Name your bank accounts? Since when is that a thing? Don't they like use your actual name?

[–] [email protected] 4 points 3 weeks ago (1 children)

Like on the bank website. If you have more than one account number (like checking account + a savings account - NOT separate login), you can "rename" them.

I have two checking accounts, one has the default name "Checking" for spending money and the other named "Bills" for ....paying bills. Every paycheck, $X gets added to the Bills account and the rest into checking. This was VERY IMPORTANT for me when I was scraping by because it guaranteed I wouldn't forget I had a bill coming up and unknowingly spent the money

[–] [email protected] 2 points 3 weeks ago* (last edited 3 weeks ago) (1 children)

Oh that's right, I forget people like to use online services these days. Back in 2008, I worked at two different banks installing new computer systems.

They gave my dumbass C3 security clearance, just to fix an icon on the desktop that didn't properly refresh after a software update. Do you comprehend how much damage I could have caused if I wanted to with C3 security clearance?

I don't trust online services at all. If I want to deal with my bank, I go in the bank in person.

Edit: I'm a cash only person since then.

[–] [email protected] 7 points 3 weeks ago

All righty