Tag Archives: budgets

How To Look at Your Cashed Cheques for Free! Using Tangerine (ING Direct)

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When you share a chequing account with someone else, sooner or later you’re going to end up with a cheque coming out of the account and neither of you remembering who it was paid to. In the olden days when I used to have to pay my bank to retrieve the cheque, I would have just ignored the cheque and hoped it was legit. Now with our Tangerine (formerly ING Direct THRIVE) chequing account, I can look at who cashed my cheque online for free.

Looking at the Image of your Cheque Written on a Tangerine Chequing Account

  1. Login to your Tangerine chequing account.
  2. From the list of your accounts, click on your chequing account.
  3. From the Transaction History, find the cheque about which you are curious.
  4. Click on the link for the cheque.
    For example, I clicked on: Cheque Withdrawal – 001
  5. You will see a PDF of the cheque. There will be an image of both the front and back of the cheque. In my case, the organization who endorsed the cheque used a stamp which is clearly legible on the reverse.
  6. You can save the PDF to keep an online record of the payment, or you can print it if you need the information to include in a letter or statement.
  7. If you have no other banking to attend to,
    1. click on: Log me out.
    2. Empty your cache.
    3. For added security close your browser session.

Why It’s Very Important to Guard Your Online Banking Password and User ID

This is another example of why it’s so important to guard your password and ID for online banking. If someone can get into your chequing account, they can obtain an electronic photo of your signature from your cheque images. Imagine the havoc someone could create with your finances if they could get into your bank accounts and could create an extremely passable copy of your signature. Guard your login information and be sure to clear your cache and close your browser session when you finish banking, please!

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Do you use the fee cheque viewing service to update your cheque book once a month? Do you save the images of your cheques? If so, how do you protect your hard drive, stick or disk? Please share your experiences with a comment.
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Big Things For Which We Often Forget to Budget

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I was quietly gloating over our bank balance the other day and thinking that soon we could get the ensuite shower re-tiled (which after 40+ years it certainly needs) when I realized we had a couple of large expenses coming up for which I hadn’t mentally budgeted. It made me wonder how many other big things we have forgotten to include in our budget.

Make Sure You Save in Advance for These Big Ticket Expenses Looming in the Future

After chatting to a few friends and relatives, here’s a list of some of the whoppers that people often overlook:

  • braces for our children’s teeth (yep, that’s the one I suddenly remembered!)
  • a wedding ceremony (I Will Teach You to be Rich Ramit Sethi says young people should be saving for this as soon as they start working. That’s an interesting viewpoint.)
  • a funeral, cremation, burial and/or memorial for ourselves and our partner
  • dental care for when we no longer have a dental plan (price for a root canal is: $250+)
  • eyeglasses (including for some of those who had laser surgery in their 20s. Don’t believe those “frames and lenses for $99” ads are what you’ll want.)
  • hearing aids (especially if you use earbuds or headphones now)
  • orthotics
  • condo reserve fund special charges (Can you imagine a $10,000 charge with no warning? It happened to a relative of mine.)

Big Things For Which We Should and Usually Do Remember to Budget

Of course there is a whole messy list of expensive items that need to be repaired and replaced over the years. The trick is to save the money for them before they need to be replaced. Otherwise you may have to borrow to buy them and pay ridiculous interest on the loan.

  • birthdays (Including 2-10 birthday party presents per child per year for your children’s friends!)
  • special holidays
  • weddings (Ten nieces and nephews. Oh dear!)
  • replacement vehicles, new or used
  • children’s education (including public school costs!)
  • computer and other electronics replacement
  • roof replacement
  • furnace (and possibly air conditioner) replacement
  • appliance replacement (fridge; stove; dishwasher; washing machine; dryer; water heater)
  • windows, doors, siding or brick replacement
  • renovating bathrooms and the kitchen
  • fence replacement
  • tree removal (Can you say Emerald Ash Borer; Dutch Elm Disease; Spruce Budworm; Fire Blight?)
  • swimming pool repairs, replacement or removal

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Have you been blindsided by a major expense? Please share your experiences and I’ll add them to the list!