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I’m old-school and haven’t moved to online banking yet. There wasn’t a need before. I was always one of those people who balanced her checkbook to the penny.

The busier my life gets, however, the less attentive I’ve become. Now, I just keep a running tally of expenses and don’t add them up until I sit down to pay my bills once a month. There have been quite a few months when I’ve been shocked to find I’m in the red! It’s a good think I have overdraft insurance on my account.

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