Question 1

What is a reconciliation in banking?

Accepted Answer

Reconciliation is comparing your bank statement with your own records to ensure all transactions match and identify discrepancies. It helps detect errors, fraud, forgotten transactions, and ensures accurate financial records.

Question 2

How do I track spending categories?

Accepted Answer

Export bank statements to Excel or CSV, categorize transactions (groceries, utilities, entertainment), use budgeting apps that auto-categorize, or manually review statements monthly to understand spending habits.

Question 3

What are closing costs on a mortgage?

Accepted Answer

Closing costs are fees paid at the end of a real estate transaction, typically 2-5% of the loan amount. They include appraisal fees, title insurance, attorney fees, origination fees, credit report charges, inspection costs, recording fees, and prepaid items like property taxes and homeowners insurance. Some costs are negotiable or can be rolled into the loan.

Question 4

What is the last statement balance on a credit card?

Accepted Answer

The last statement balance refers to the total amount you owed at the end of your previous billing cycle. It's the balance from your most recent statement before any new charges or payments made in the current cycle. This figure helps track whether you paid off your previous balance in full.

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Frequently Asked Questions

What is a reconciliation in banking?

How do I track spending categories?

What are closing costs on a mortgage?

What is the last statement balance on a credit card?

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