Everyone pays their bills online so no one needs personal checks anymore, right? Wrong. Even in this sophisticated age of the Internet and big computer monitors, there are still plenty of very good reasons to keep a checkbook and use those personal checks.
4. Create Personal Receipts
When you write someone a personal check, they cannot short you on your change. These days, it is hard to determine who you can trust and who you can’t. Did the guy at the gas station give you the right change when you paid him? The best way to confirm what you spent and create a receipt of the transaction is to use personal checks.
3. Make A Personal Statement
It is hard to believe that people who spend so much time personalizing the look of their smartphones are not aware of the personal statements that checks make. You can find checks to order online that come with your favorite cartoon character, movie character or even professional wrestler on them. Are you a fan of the local professional sports team and want to show your allegiance? Then there is no better way to do it than by putting that team’s logo on all of your financial transactions.
2. Personal Checks Are Hard To Dispute
When you write a personal check, the amount the check is for is displayed clearly on the front. When you make a payment online, it can be disputed. You may say that you sent the electric company $100, but they say you only transferred $80. A computer glitch? Perhaps, but there are not glitches when you write out your bill amount on a reliable personal check.
1. A Checkbook Is A Vital Personal Finance Tool
A personal check offers a numbered transaction that you can enter into your checkbook and use to balance your finances. You can even use personal checks online to make payments, which can also be entered into your checkbook. The point is that using personal checks for all of your expenses instead of cash makes it very easy to track where your money went. A checkbook should be a powerful tool to keep your finances in order, but it is only powerful when you use the checks along with it.
Personal checks will always have their place in the world because they are still a convenient and efficient way to transfer funds from one person to another. A computer can make errors, but it is difficult to dispute the handwriting on a personal check.
Guest post written by Jayla Barnsen
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