Some time ago, I suggested rounding up check's written and rounding down your deposits in your check register.

I started this around April, 2008 and once I balanced my account in December, I was astounded to see that I had "saved" over $2,500.00. A few bucks here and there which was never missed added up like crazy.

This money, of course, goes right toward the principal of my mortgage.

Again, all I do is make a note in each line of the actual transaction, but leave the running total rounded. For example, today I paid my cable bill of $103.45. I paid the bill, noted the correct amount in a small area of the line and used $105.00 as my running calculation. Also, each week I get paid via direct deposit of $805.70, however, I only write in a deposit of $800.00. That alone is over $22.00 per month in savings.

As you can see, it really adds up and the reward at the end of the year is extremly uplifting.

Give it a shot. I am sure you can even fine tune the process to best meet your needs and record keeping.

PS - It's nice to be back.