I think a lot of people do not record their transactions-they just believe the bank or credit card company will get it correct. My hubby would not be able to sleep at night if he couldn't keep track of every bill and receipt we have. I can tell you that banks do make mistakes and he's caught plenty of them over the years, to our benefit and to their's! Credit card companies are very sneaky about their benifit claims and what you are soon getting~it pays to read the fine print and check what's happening each month or so. What a world we live in when it comes to dependability! I do love my home and neighbors, it's not all bad, thanks to God.