One of the reasons to have a checking account is to have peace of mind. One of the worst thing that can happen is that when your check bounce. In order to prevent any bounced checks, you will need to have access to your checking account at all times. How to avoid bounced checks? It is all about careful planning. You can avoid spending too much money by following a few simple steps. Those steps are making a sound budget and sticking to it, not overspending, and avoid impulse buying. If you know a few other ways of saving money, feel free to contact me.