Happy with it
Entry is a bit cumbersome sometimes, but I really like that I can keep track of the balances in all my accounts in one place - including credit cards by switching the use of expense/income entries. I also like the “transfer” feature because I do a lot of transferring between accounts. “Transfer” allows me to add a transaction to both accounts at one time, and it then automatically shows me in each transaction record which accounts were involved. This is extremely helpful and really has transformed my money management. In the “old days” we used to keep written check registers, but since that practice sorta fell by the wayside with debit cards and automatic transactions, it’s been a real struggle to manage our money. “Quick Checkbook” gives me back a way to actually manage our money instead of having to log in to our banking apps every day to see if we’re okay. Too many times I’d log in to a $45 NSF fee and a bounced transaction. No more! Now I always know where all the money is. For example, I keep one account for all of our bills - whether I actively pay them or they’re automatically deducted. Quick Checkbook allows me to record ALL the transactions for the coming month ahead of time, so I can deposit enough to cover them and then forget about it. I check back once a week to “clear” transactions against my online banking app, so no surprises. I’m at the end of my budget month today. All this month’s bills are paid and my bank account balances with Checkbook with $2.72 left! I can get it that exact! When we get paid, I will do this again for next month’s bills, and transfer the remaining funds to our other account. This way “discretionary spending” does not come from the money set aside for bills. I also track our “discretionary spending” account in Quick Checkbook. Organizing our finances this way has allowed us to save enough for a down payment on our first home!
