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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. People often find that if their bank accounts are not reconciled every month, they end-up overdrafting. This can lead them to paying high fees for overdraft fees, and even bad check costs.
The other benefit of using a template for reconciling your account on a monthly schedule is that it allows you to identify any accounting error at an earlier stage. This could result in you saving overdraft fees, embarrassment and having your debit card declined or a check bounce. This form allows for you to list every transaction that you have recorded in the checkbook, along with the ones that are held by the bank. Reconciliation occurs once you have matched all transactions and are left only with those that you show that the bank does not. By subtracting these from the balance you show, it should match what the bank shows.
There are many websites that offer templates to help you with your bank reconciliations. You should ensure that the template chosen is simple and does not make it more complicated. To avoid problems from escalating, make sure that your account is reconciled every month.