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For organizational purposes the memo section of any blank check can be used to help you keep your check book balanced. A lot of folks have a hard time with this area or they simply ignore it altogether. For me though it is a great way to map my purchases and match up what each check went to at the end of the month when I look over bank statements and try and assure that there are no hidden charges in my banking.

As I look things over and balance everything else knowing that I did not leave that memo section empty on blank checks is very helpful. IT was so helpful in fact that I started doing the same thing on my business checks. As a result, and the result of coworkers all following suit, I now have an incredibly accurate and reliable checking account for both my private and business accounts.

Getting reliably accurate information about where your money is going gets harder every day in the digital age. With a little analogue technology like a pen and a blank check things get instantly easier to manage. Using that memo field is the first step to closer financial understanding.

Filling out a blank check is not rocket science. It is quite simple. You write the amount and who it is payable to and then you si… Oh no, I wrote the amount in the who it is payable to section. Let’s try this again. Filling out blank checks is so easy, you simply fill out who it is payable to, then you write out the amount then… I wrote forty-nine instead of forty-one. Let’s try this again. Fill out the first thing, then the second thing, give me a minute…

Filling out blank checks is apparently not as easy as any of us would like to believe. Think about how many times the last paragraph has played out for you. You can go through three checks simply trying to pay the rent, even more if your landlord’s name is hard to spell. This is why Tech Checks and their offer to let you order checks online is such a huge benefit for all of us. We go through checks way quicker than we think and it is always worth having another book around.

This is a great way to keep blank checks around and pay your bills on time, even if it takes a few tries to get it right.

Because we seem to use checks only for a few particular things in our regular lives, it sometimes never crosses our minds to order checks online. While those of us in charge of spending accounts at work may always be ready to order new business checks we are less likely to do so in our own accounts until the last possible minute.

To that end we thought it might be nice to remind you to take a look at how many checks you currently have in your personal checkbook. If it is not a lot then maybe now would be a good time to consider ordering checks.

In our personal lives debit, credit, and online shopping have lead to a relative easing of the use of checks in our day to day lives. Yet we still use checks for specific bills, birthday cards for nieces and nephews, paying the rent and other specific things. Before you know it the checks that seemed like they might last you forever are gone.

So go look in your sock drawer or wherever you happen to keep your checkbook. See how many checks you have left. Is it fifty, twenty, ten? There may be no better time than now to order checks.

These days it seems like somehow spending and having money has become expensive. How is this even possible?

You can end up with a wide array of fees for business checking and personal checking, not to mention random fees associated with money transfers, ATM charges, over-draft fees, account minimum fees and all manner of other complex maneuvers to separate you from your hard earned cash.

When you order checks online this can also seem like a pricey endeavor. Chances are though, you tell yourself that it has to be this way and that it is a necessary expense. That said, you can shop around for cheap checks online like the moderately priced options over at the Tech Checks website.

With cheap checks online from Tech Checks you can save yourself some money and save yourself from feeling like the bank is simply repeatedly raking you over the coals. You may need to continue paying a lot of those aforementioned bank fees, but at least when it comes to your functional banking necessities you can start to take a little back.

Next time you order checks online make sure the prices are to your liking. If they aren’t come on over to Tech Checks and be blown away.

A friend of mine recently switched positions from a very comfortable job at a firm that worked in direct web marketing through email in favor of a much more cushy job with the folks at one of the largest web retailers in the world. In the process there was some time where she had two separate company accounts, one from her old job and one from her new job.

She had long since become a devotee of the far reaching problem solving ability that those with a business check account have, but now had two responsibilities for at least a little while. Luckily, ordering checks online for the month prior, she knew to keep each account for each company looking distinct so that in moments of need she was not misusing one account or the other.

Having the trust of a company enough to have a business check account is a huge step for anyone in any industry. It means, generally, that you are a vital part of the company’s staff that must have the ability to make in the moment spending decisions in order to get things done. It is a huge responsibility that one should not take lightly considering the ramifications of bad money management.

Tax season is just about over but it is a great time to start thinking about how you are going to spend those sweet refunds. Perhaps it is simply going to help cover bills a little more comfortably in the next month or two or maybe you are in the mood for a big purchase? Whatever it is, chances are it is a much needed windfall for practical or simply relaxation purposes.

That all said I wonder if perhaps you left some money on the table when you were filling out your tax forms this year? For one thing, I wonder if you remembered to write off your business check orders? If you are the kind of person, as many of us are, who is writing a lot of checks to keep your business going then those expenses could end up being a sizable tax deduction. It is a great thing to inform your accountant of and he can just use your Tech Checks email order confirmation as the receipt.

Ordering blank checks through Tech Checks is an easy way to get your business or personal checks without distracting from the million other things your doing. This is some tax season advice you can use to skip the bank!

Some people have moved all of their bill paying online. While they may talk up the convenience and the “added security” measures I am not so naive. I know for a fact that credit cards and debit cards are somewhat regularly compromised on the web and I have no intention of ending up that way. Even some of the largest companies in the world have had security breaches that have cost their customers huge sums of money.

So when I pay the cable bill I go to the local bill payment center with a blank check. I discuss the specifics of my bill with a representative of the company. I keep in mind everything that is discussed and file away receipts and any other pertinent paperwork in my files at home. I get specific figures and make sure to pay proper amounts. When I get home from a round of paying bills I will always balance my check book and make sure all of my money is accounted for.

That all said I can not keep myself from using online retail all together. While I mostly have avoided it I do order checks online from Tech Checks. A reputable company who I trust.

As a business owner, do you take an active role in your bookkeeping? What details are kept in the books and how often are they updated? As an entrepreneur it is your responsibility to ensure financial sustainability. You may think that you don’t need to put everything down on paper because your memory is impeccable and you don’t want to be bothered with tedious work. But there are advantages to having finances recorded and filed.

Having everything recorded (and updated regularly) allows you to plan farther in advance for bigger expenses. The last thing you need is to panic or scrounge last minute for that big investment you can’t hold off on any longer. You are far less likely to miss an opportunity from lack of proper funding or putting yourself temporarily in the red, just to push forward.  As long as you have major objectives on a calendar, you will have a reminder of the time passing until it occurs. You can take a look at the incoming and outgoing expenses, business checks cashed and pending by looking at your bookkeeping. This means that you know if you’re on the right track, or if you need to reorganize and step up your game.

As long as you track expenses, record them correctly, and set aside funds for paying taxes, then you should be all set for when the important stuff comes around. It’s a good thing to plan in advance and you can only do this with the visual medium that is the checkbook. You can order business checks and bookkeeping necessities online.

Every now and again you may come across a personal check that just makes you feel iffy. Sure, it looks like other checks but there’s something just a little off and you can’t pinpoint it. Maybe it’s not enough to keep you lying awake at night but it is enough for the bank to charge you a fee if it bounces or is found fraudulent, regardless if it is a check given by someone else. If you’re a small business though you can’t afford not to accept different forms of payment. What you can do is verify that the check is real/acceptable.

The first thing you should always do is to enforce a policy where the cashier must ask the customer for a form of identification. Preferably a license or something with a signature. The scribble should match. Also, the check should have printed information such as an address and name. If the customer can deliver neither then ask for another form of payment.

When you receive personal checks you are allowed to run a reverse ABA number check. The ABA is the routing transit number. It will be nine digits long. If you suspect a fake, look up the number of the bank online and do not call the number on the check– it could be a fake. You can even go to the bank yourself and ask them to look at the check and verify it.

Hopefully these tips will help you if you decide to accept personal checks as a legitimate form of payment for your store/ business.

Starting a company has many benefits with tax deductions and liability protection. But even though you are paying yourself through this company as the owner or operator, you still need to separate the finances. It may mean having to take a few extra steps but eventually that money will go to your private account. You do, however, have to go through the right channels.

If you’re getting paid from something relevant to the business, the checks should always be made out to the company’s account. Then if you personally get a share in that profit, whether it’s because of the usual paycheck or otherwise, you still must then wait for that to process in the business account, then use the business account (going through human resources and the financial department) to have a business check written to your personal account for the owed amount. This may all seem roundabout, but it’s a good and honest business practice.

Also, never use personal checks to pay for things your business needs. There’s a reason you have separate checking and savings accounts for yourself and for the company. It’s to keep things organized.  If you do want to donate to the cause, send money via check to the business first and then when it processes use that money for whatever the business needs.

Frustrating or not, this is the way things should be handled. Always organize your finances properly and you’ll run into far less trouble.