I really went off the deep end this last payroll, leaving out about $75.00 worth of deposit from my register. I truly can't wait to see exactly how much "savings" I have accumulated by using my "rounding" methods.

Ever heard of the "too much" check and "not enough" deposit? If not, let me explain.

Whenever you write a check or use your debit card, when updating your register, round the dollar amount UP as much as you can. For example, I purchased a cup of coffee and a donut the other morning from Dunkin Donuts. The total amount was about $3.00, however, when I recorded the amount in my checkbook, I put it in as $5.00.

On the flip side of the coin, whenever I deposit money, I try to round it down as much as I can. For example, if my paycheck is say $46.34, I will record it as $40.00.

The final trick is to FORGET IT. Don't count on the adjustments as an excuse to overdraw. Maintain stringent checking/debit practices.

What some do is maintain this type of register along with an accurate, to the penny register. Other people simply work through the balancing act at the end of the year to determine how much was saved. YOu can do whatever you wish, however, it really does add up. Try it!