Finding it hard to keep track of your debit card usage? You're not alone. The variety of services that debit cards provide (ATM withdrawals, merchandise purchases, direct deposit, on-line banking, and connected accounts) coupled with multiple users within the family, makes it no surprise that consumers are having difficulty staying on top of their bank account balances.

Cardholders are finding it increasingly difficult to track and control funds in their checking accounts because it's almost impossible to keep the old-style checkbook register up to date with so many different ways to use a debit card.

While debit cards are very convenient, it's important to remember that the money comes directly out of your account. You need to keep track to avoid overspending or overdrawing.

Try these tips to keep you updated on your daily transactions:

• As you run errands, keep an envelope in your pocket or purse for any transaction receipts you collect during the day. That night, record your transactions in a ledger.
• If you find yourself using your debit card often, you may want a bigger ledger than the standard checkbook size. If there's not enough room to record all your transactions, you'll quickly abandon your system.
• There are many helpful money management systems that will make recording your transactions even more convenient--especially if you already spend a lot of time on the computer. There are a variety of software programs, such as Quicken Deluxe, that you can use to organize your transactions and help keep you up-to-date on your account.
• If you lose track of your balance you can call your bank's toll-free line to get updates on your available funds and recent transactions.

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