I’ve never been able to. I’ve tried:
Keeping receipts, text file on laptop, trying to keep track… too absent minded. Forget one receipt, it’s all off.
Bank app on phone? Phone stolen last year, wary.
Weekly visit to atm to check balance? Forget pin, can’t remember, locked out of account.
Paying for everything with cash might work, but unsafe neighborhood. And I forget where cash is, random $20 bills found in bizarre locations months later.
At my wit’s end. Any adhd people experience similar?
Do you have a computer? Online banking does it all for you now.
I don’t use any banking app on my phones. Web browser on my laptop is all I need for online banking. Purchases and deposits are listed in chronological order and the balance of the account is shown.
Just be sure that your computer is up-to-date on security patches and it should be all good.
Don’t have internet where I live. But your suggestion sounds way helpful.
I have literally never balanced a cheque book in my life and I’m 40. I’ve never even seen one, let alone have any idea what to do with it. Is it an actual physical thing? Or is that a euphemism for budgeting?
Both. They were physical things, but now many can be digital. My parents were born in 61’, still to this day they keep their receipts and every night when they get home they jot down everything they spent using their checking account. If something doesn’t line up they know something is wrong or missing.
I know people who have had their card numbers stolen and only used once or twice a month for small amounts, like convenience store/gas station type of deal. Many people can overlook a sub $20 purchase once a month at a gas station, especially if they are a cigarette smoker. I always figured the risk seems way to high, but the number of times my partner has me use her card for something now is crazy that it is never checked. Alcohol, tobacco, food, doesn’t matter. They check an ID and I use the tap function which bypasses even entering a pin/zip code some places.
Dude, we are not in the 1950s. Just last week I watched a 70yo woman pay for her groceries using her phone via NFC for example. Some of us didn’t learn how to manage money from our parents. I was lucky - I did. Some of us don’t have access to all the tech. We are behind on connectivity in rural areas, but consider how large the U.S.A. is compared to most nations combined with the over-developed profit motive here.
I’m growing weary of the global pastime of denegrating America and Americans based on stereotypes. It’s as bad as some of us denegrating places like France for similar reasons. If you think you’re better than us, guess what - you’re proving you are not. We’re all fundamentally the same, with different histories.
Banking apps generally require you use a biometric ID or enter a password to open them. If your bank’s app doesn’t, find a new bank.
OTOH, you shouldn’t need to rely on an app to keep your phone secure. I recommend setting your phone to require a PIN or fingerprint to unlock it. Then having your phone stolen isn’t a security risk.
What year is it where you live? 😂
