Now we can outsource this burdensome task by buying target-date retirement funds, which have asset allocation and rebalancing services baked in. The information on each check gives the bad guys every bit of information they need to raid your account.) (If you still do write a lot of checks, please switch to more secure payment methods. We still need to monitor our accounts to spot bogus transactions, keep track of our balances and avoid overdrafts, but the monthly ritual of trying to reconcile a statement to a register is pretty much obsolete. These days, though, we write far fewer checks, most transactions post pretty quickly and bank errors are rare. Then you spent the next hour trying to figure out why the totals didn’t match. You compared the transactions on that statement with what you’d recorded in your check register, adding in any deposits and subtracting any checks or other transactions that hadn’t posted by the time the statement was printed. Once upon a time, you got a paper statement each month from your bank. If you do any of the following chores, you can and should do them a lot differently now: Balance your checkbook Likewise, technology has obliterated or automated a lot of the money tasks that were once mandatory for people who wanted to be responsible with their finances. Tasks that were routine then - like, say, beating a rug to clean it - have all but disappeared.
Think about how difficult it was to clean a house 100 years ago, or make a phone call, or travel across the country.
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