Don't forget to take account of all money outstanding (credit/debit purchases, outstanding checks) to determine your balance when balancing your checking account. Take the current balance of your checking account and subtract outstanding debit and credit charges and any checks- that's how much money you have.
Sounds like an elementary reminder, but too often people forget to write down the checks they've written or the credit or debit charges made with a debit card. Even debit transcations can send you into overdraft status, even if your purchase is approved.
Make it a habit, if you haven't done so already, to write all of your purchases down. This is also helpful in the future when it's time to evaluate your spending habits. You can look at how you've spent your money for the past few months and assess ways to cutback and save money.
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