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You can also track outstanding checks and deposits on the reconciliation form so you can add them to your balance in your bank account. This will help you not think you have more than you actually do. This will allow you to keep an eye on all transactions and make it easier to create and maintain a household budget. Most people find that if they do not take the time to reconcile their bank accounts every month they end up overdrafting their accounts, which can end up costing a lot of money in overdraft fees and bad check charges.
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A variety of websites offer templates online for bank reconciliations. It is quite simple so make sure you don’t overcomplicate it. Importantly, you should reconcile your account each month to avoid any potential problems.