Personal Checks – Make a Wise Choice!

Personal Checks, For ages, people have been paying differently for their transactions. They choose from a variety of payment methods ranging from credit cards, cash, debit cards, checks pay orders, etc. Lately, the use of plastic money has increased, more and more people are using credit cards/debit cards to pay for their transactions. With plastic money being the most common form of payment, are people forgetting the concept of checks? The truth is Yes! Aggregate data demonstrate a visible decrease in the usage of checks, the usage of personal checks has declined over 1 capita in 2016!

Even though the use of paper checks has decreased, yet it is considered a necessary method of payment. People who think that the usage of checks is becoming obsolete; here is something you should definitely know. According to data shown by Federal Trade Commission, more than 33 billion checks are written every year. I think this number takes this type of payment method far from being obsolete.

You must be wondering why people are still using personal checks

Well, it is because it offers a number of benefits. For instance, the use of personal checks helps you stay within your spending limits whereas in the case s of debit or credit card, there is a chance of overshooting the available limit. Personal checks basically make sure you stick to your budget.

Financial Tracking

Personal checks come with duplicate checks or registers that help you track your payments. With credits cards, you can easily get a few things from stores, but cards don’t come with an account ledger. If you want to know about your account balance, you would have to log into your account through the internet whereas, with personal checks you get a register that highlights your total balance.

You can use a personal check for establishing an easy-to-follow paper trail. Also, you can use them for withdrawing funds from your own bank account. Writing a personal check is almost similar to writing another type of check.

Special Occasions

How do you feel when someone gives you hard cash on your birthday, wedding, or graduation? Cash can be weighty and possibly there is a risk of losing it. on a special occasion, a personal check would do the best. A personal check inside a greeting card will definitely surprise your loved ones and make them happier.

Landlord Stress

Think of the time when your landlord asks for the rent or your friends ask you to return the money you borrowed earlier. You surely won’t be able to pay through your debit or credit card in your wallet. So eventually you will have to fall back to personal checks.

Personalization

The best thing about these personal checks is that they can be as unique as you are. There is a concept of personalizing your personal checks; you can design them as you want. The option of personalizing adds personality to your payment method, unlike credit cards.

I have been using personal checks since I was a child, I remember getting checks in the mail for my birthday. I was able to cash them at any store. I still use this sort of payment method for paying my rent. I believe landlords like these types of checks the most, so if you’re paying your rent using another way, leave it and opt for a personal check system. In my opinion, personal checks are best suitable for day-to-day transactions. It can help you easily pay for rent, groceries, medicines, etc.

Make a Wise Choice

In a nutshell, it is essential to choose a payment method that is convenient and safe, and personal checks are safer, it high-value payment, include more information, and help you keep a record of your payment. The use of personal checks can help you avoid the hassle.

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