Why People Write Checks

Though technology has seemed to change the way in which people buy and pay for things

, some of the traditional forms of paying for things still remain popular for a variety of reasons. This is apparent when you look at how many people still prefer to write checks as opposed to paying for things solely with credit cards, debit cards or even automatic bank withdrawals. Though some people find writing checks to be somewhat tedious, they remain a popular form of payment because they offer benefits that other forms of payment simply cannot afford to the user.

One of the reasons why writing checks is preferred and safe is that when a check register is used, you have a clear record of how, where and when you spent money, This can be beneficial for those on a budget as constantly swiping credit or debit cards can happen so quickly, many people neglect to keep accurate records of such transactions. This can also help when you need to be more proactive in budgeting, as you can quickly look at the checks written to determine where you spend the majority of your money. This is a great option to help you quickly track expenses as you will have not only the check register for reference, but the cancelled checks as well.

Security is another reason why checks remain a popular payment option. You can control who the check is made payable to, hand or mail deliver the check and even make notes in regards to what the money is for in the memo section of the check front. This can all be helpful when you need to verify payment or want to double check that a payment was made. Once the check has been cleared, the backside of the check also gives you information to help you better control your finances as you can clearly see when the receiver of the check deposited and thus received the funds. This can stave off late fees or issues with wrong accounts which tend to happen from time to time.

The low cost and ease of use associated with checks make them a great alternative to cash. You can also help avoid getting in to debt by writing checks for purchases instead of always swiping your credit card. Another bonus is that you can get personal checks cheap. Though many people have good intentions to pay off credit card debt for everyday purchases in a fast manner; all too often those charges add up and are left to linger. Check writing remains the safe and convenient way to pay for things; from utility bills to the mortgage to groceries and even dinner and drinks as checks are accepted in the same manner as good, old fashioned cash.

by: Finance Writer

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