Top Stub Checks-a Good Means For Record Keeping

When it comes to picking out personal checks, there are several different styles and types available

. Shoppers are able to find duplicate checks, side-tear checks, and now top stub checks. Although each type of check has its perks, if you want to keep accurate records of your money in an organized manner, top stub checks might just be the best bet.

Basically, top stub checks have an area at the top of the check for you to write out how much your check is for, as well as your previous balance. They are sometimes difficult to locate, but can be great for keeping track of your withdrawals and deposits.

Top stub checks generally have less design options than regular checks. Still, on most online stores you can find a variety of different themes, which vary from vintage to landscapes and modular patterns. You can also usually find your favorite characters such as Betty Boop and Disney.

One of the reasons that the top stub checks are so useful for record keeping is that they are able to record a lot of information. Each time you write a check you are able to see your previous balance, your current balance, and you have a place to write in your current transaction.

Using top stub checks is good, visually; because you can always see how much money you have in your account if you keep up with them. You won't have to turn to the back of your checkbook to write down your transactions because you write them down on each check as you go along.

Using top stub checks can also eliminate the need for duplicate checks, which can make your checkbook messy. Since the stubs are small, they take up less room.

Some top-stub checks even have a box to check if the check you are writing is going to be for something that is tax deductible. This can be great if you itemize your taxes at the end of the year. Keeping accurate records of your items that are tax deductible eases the stress around tax time.

Even if you are not a financial wizard, it is incredibly easy to use top stub checks in a way that can make your financial records more accurate. The key is to be consistent and to write down and record each purchase, and your balance, as you go along.

You might also want to consider purchasing a checkbook cover and calculator to go along with your top stub checks. Some of the calculators are small enough that they fit right into the checkbook covers. These are great at helping you reconcile your totals.

It's good to be extra cautious when tearing out the stubs from the checks. Some people have commented that it's difficult to separate the two, but the incentives to using the top stub checks should outweigh this small inconvenience.

It can be expensive to order top stub checks from your local bank and some banks don't carry them at all. As an alternative, try doing a quick search on the Internet. You can generally save around 50% on the cost and they will usually get to you in about 5 days.

by: Alan Plastin

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