Free downloadable checkbook directories

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Checkbook is an electronic checkbook register. Business Functions Ready-made checkbook register templates available online are extremely versatile and easy to customize. They can be formatted and used for business purposes in the following ways: Check registers are often favored by bookkeepers to account for small miscellaneous expenses.

While large transactions go straight into company ledgers, small transactions can be grouped together and calculated in these registers before being transferred into the business ledger. They may be used informally to keep track of running expenses, cheques and disbursements to avoid confusion.

Small businesses especially benefit from keeping detailed check registers as it keeps finances well organized. It takes just one glance to spot an erroneous double debit or to check the running balance before cutting a cheque to ensure that it does not bounce.

This record makes it easy to locate missing or inaccurate entries and incorrectly filled in cheques. Other Functions Now that you understand What is checkbook register you will find that these professional checkbook register templates may also be used as a financial ledger or a cash disbursements journal for personal expenses.

They fulfill these functions: A personal check register is a convenient way to track small daily expenses. It can help you stick to a budget as it clearly accounts for every expenditure and your running balance. This constant scrutiny makes you feel more accountable for your expenses and less likely to indulge in impulsive splurges. It makes financial planning easier as you become aware of your spending habits and can make more accurate estimates about how much money you will need to cover upcoming expenses.

Keeping track of the specifics of small expenses makes it easier to cut corners as you understand the difference between necessities and desires. It helps you track bills, EMIs, and other recurrent expenses. So that you are never inconvenienced by a late fee or the disruption of an important service like water, gas or electricity. Online checkbook register excel template can also be used to keep track of your receipts for claims, reimbursements, and tax purposes.

Components of a checkbook register Before you understand How to fill out a checkbook register, you need to understand the components of the checkbook register. While these pre-formatted checkbook register templates are completely customizable, they are available with the standard formatting of a checkbook register that includes these seven components in separate columns: Date: This records the date of the transaction.

So that you know when you made or received a payment. Transaction code: This refers to the unique code allotted to every transaction. It may also refer to a cheque number. Description: This will help you remember where you got money from and where you spent it.

It helps you to avoid double payments and slip-ups in case you cannot remember whether or not you paid a particular bill. Withdrawal: This column keeps track of all debits so you know how much money you have taken out of your account.

Deposit: These account for all credits to your account. Balance: This will give you the running balance after every transaction so that you know exactly how much money you have available. Checkbox: This is a small box that you can use as you reconcile your bank statements with your checkbook register at the end of every month.

Apart from these standard columns, you can customize these templates to incorporate other details like daily cash transactions and online bill payments. Professional checkbook register excel is designed to accommodate a variety of such customizations without a hitch.

How to fill out a checkbook register Checkbook registers are simple organizing tools that are very easy to use. Just follow these simple steps to understand How to fill out a checkbook register: Format Check registers come with checkbooks and accounts; however, these are not customizable. You may use the ones you get from the bank or construct your own check register on a blank sheet of paper or a spreadsheet.

You may also download ready-made checkbook templates for free to spare yourself the trouble of constructing your own spreadsheet. Ensure that you have separate columns for all your details otherwise, your register will become untidy and confusing. Incorporate all the components of a standard checkbook register so that you have a framework. These are basic details that must be part of your checkbook register.

You may add to it but that is the bare minimum information that you must have. Balance Once you have filled in all your details, calculate your running balance. You can customize this list in the new Settings worksheet. We have included a list of categories from our money management template that you can edit within the Settings worksheet. A user also requested we add a customizable Payee list, so we've done that as well. You can edit Payees that show up in the drop-down by editing the list in the Settings worksheet.

Note: You do not have to use the values in these drop-down lists. They are just for convenience. You can still add a unique value by typing it. You may want to use the Payee drop-down list just for the most common bills. With a simple formula like that, sorting the table and deleting rows can mess things up.

The formula we uses displays " - " if you have not entered the Date, and it uses the OFFSET function to prevent the formula from breaking if you delete a row or sort the table. Watch Demo Video. It includes a column for recording expense categories, and the formula used for the Balance makes it easy to add and delete rows. If you would prefer something more advanced that will help you manage a budget, try the Money Management Template.