--- title: "Meaning & Key Takeaway of: Rather than saying, 'My checking account…" description: "\"Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'\" — Suze Orman" image: "https://sms4smile.com/quotes/i/8cc/suze-orman-1007_accounts_rather-than-saying-my-checking-account-i_299858.png" --- # Rather than saying, 'My checking account is a wreck,'… ![“Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'” quote by Suze Orman](https://sms4smile.com/quotes/i/8cc/suze-orman-1007_accounts_rather-than-saying-my-checking-account-i_299858.png) [Download](https://sms4smile.com/quotes/i/8cc/suze-orman-1007_accounts_rather-than-saying-my-checking-account-i_299858.png) [Open image](https://sms4smile.com/quotes/i/8cc/suze-orman-1007_accounts_rather-than-saying-my-checking-account-i_299858.png) > “Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'” [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Reframing financial setbacks as learning goals empowers better money management. **In simple terms:** Turn debt talk into a learning plan. Key Takeaway Adopt proactive budgeting. Themes finance mindset self‑improvement Mood encouraging practical Type educational motivational When to use this quote - monthly budgeting - debt reduction plans - financial coaching - app tracking Key Concepts budgeting financial literacy behavioral economics Questions to Reflect On - What steps will you take to track spending? - How can you measure progress effectively? A Different Perspective Positive framing may overlook systemic issues. ★ ★ ★ ★ ★ No ratings yet [Account Wreck](https://sms4smile.com/quotes/about/account-wreck-2867226/) [Accounts](https://sms4smile.com/quotes/about/accounts/) [Balance](https://sms4smile.com/quotes/about/balance/) [Balance Checkbook](https://sms4smile.com/quotes/about/balance-checkbook-1065460/) [Checking Account](https://sms4smile.com/quotes/about/checking-account-339102/) [Checking accounts](https://sms4smile.com/quotes/about/checking-accounts/) [Saying Checking](https://sms4smile.com/quotes/about/saying-checking-2867225/) [Spending](https://sms4smile.com/quotes/about/spending/) [Track](https://sms4smile.com/quotes/about/track/) [Track Spending](https://sms4smile.com/quotes/about/track-spending-2741703/) [Wrecks](https://sms4smile.com/quotes/about/wrecks/) ## Related quotes > [When you get a checking account, you should have a savings account, and the number for the savings account should be one off of…](https://sms4smile.com/quotes/dan-ariely/when-you-get-a-checking-account-you-should-have-a-savings-account-and/) [Dan Ariely](https://sms4smile.com/quotes/author/dan-ariely/) > [When I wake up in the morning, the first thing I look at is the checking account report from the day before. I love…](https://sms4smile.com/quotes/john-stumpf/when-i-wake-up-in-the-morning-the-first-thing-i-look-at-is-the/) [John Stumpf](https://sms4smile.com/quotes/author/john-stumpf/) > [We can't exactly figure out why, but our customers have no fears of using their checking account, while credit cards are still a problem.…](https://sms4smile.com/quotes/tim-stevens/we-can-t-exactly-figure-out-why-but-our-customers-have-no-fears-of/) [Tim Stevens](https://sms4smile.com/quotes/author/tim-stevens/) > [Nine out of ten adult Americans have a checking account. It's the most widely used financial services product in the United States.](https://sms4smile.com/quotes/carolyn-maloney/nine-out-of-ten-adult-americans-have-a-checking-account-it-s-the-most/) [Carolyn Maloney](https://sms4smile.com/quotes/author/carolyn-maloney/) > [The balance in your life is more important than the balance in your checking account.](https://sms4smile.com/quotes/chris-gardner/the-balance-in-your-life-is-more-important-than-the-balance-in-your/) [Chris Gardner](https://sms4smile.com/quotes/author/chris-gardner/) > [“MONTH ONE ACTION PLAN Open a new checking account that is free of monthly maintenance fees. Notify your employer to have your direct deposit…](https://sms4smile.com/quotes/suze-orman/month-one-action-plan-open-a-new-checking-account-that-is-free-of/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Republicans went off track. We were spending too much money.](https://sms4smile.com/quotes/steve-chabot/republicans-went-off-track-we-were-spending-too-much-money/) [Steve Chabot](https://sms4smile.com/quotes/author/steve-chabot/) > [I've always been pretty careful at keeping track of my spending, so using my debit card is often the easiest way of doing that.](https://sms4smile.com/quotes/andy-murray/i-ve-always-been-pretty-careful-at-keeping-track-of-my-spending-so/) [Andy Murray](https://sms4smile.com/quotes/author/andy-murray/) > [Since I'm not depressed enough by being at work, I think I'll balance my checkbook so I'll be really ready to hit the bar…](https://sms4smile.com/quotes/anonymous/since-i-m-not-depressed-enough-by-being-at-work-i-think-i-ll-balance/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [My grandmother Izzy taught me to balance her checkbook when I was 6 years old. She would sign the checks after I paid the…](https://sms4smile.com/quotes/mary-callahan-erdoes/my-grandmother-izzy-taught-me-to-balance-her-checkbook-when-i-was-6/) [Mary Callahan Erdoes](https://sms4smile.com/quotes/author/mary-callahan-erdoes/) > [to balance my own checkbook each month, I simply record whatever is necessary in the following manner: '37 cents to cover embezzlement by somebody…](https://sms4smile.com/quotes/teresa-bloomingdale/to-balance-my-own-checkbook-each-month-i-simply-record-whatever-is/) [Teresa Bloomingdale](https://sms4smile.com/quotes/author/teresa-bloomingdale/) > [I have kids in high school that don't know how to balance a checkbook. We need to have that fundamental understanding of economics as…](https://sms4smile.com/quotes/linda-mcmahon/i-have-kids-in-high-school-that-don-t-know-how-to-balance-a-checkbook/) [Linda McMahon](https://sms4smile.com/quotes/author/linda-mcmahon/) > [“This morning, Mom and I are going to the bank to open my very own checking account. I'm told this”](https://sms4smile.com/quotes/anonymous/this-morning-mom-and-i-are-going-to-the-bank-to-open-my-very-own/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [I'll always be best known as Marie Osmond, but in my checking account and at home, I will gladly be Marie Craig.](https://sms4smile.com/quotes/marie-osmond/i-ll-always-be-best-known-as-marie-osmond-but-in-my-checking-account/) [Marie Osmond](https://sms4smile.com/quotes/author/marie-osmond/) > [“Grandma Valerie said they had sent checks to you girls. I thought, “Oops, that won’t make it easy for the girls.” I think the…](https://sms4smile.com/quotes/cristin-o-keefe-aptowicz/grandma-valerie-said-they-had-sent-checks-to-you-girls-i-thought-oops/) [Cristin O'Keefe Aptowicz](https://sms4smile.com/quotes/author/cristin-o-keefe-aptowicz/) ## More by Suze Orman > [I've never believed unemployment numbers because the way that they calculate unemployment makes no sense whatsoever. It's not how many people are unemployed. It's…](https://sms4smile.com/quotes/suze-orman/i-ve-never-believed-unemployment-numbers-because-the-way-that-they/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Never invest emergency savings in the stock market.](https://sms4smile.com/quotes/suze-orman/never-invest-emergency-savings-in-the-stock-market/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Just because you can afford it doesn't mean you should buy it.](https://sms4smile.com/quotes/suze-orman/just-because-you-can-afford-it-doesn-t-mean-you-should-buy-it/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward…](https://sms4smile.com/quotes/suze-orman/your-goal-should-be-to-pay-off-your-credit-card-bills-in-full-at-the/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as…](https://sms4smile.com/quotes/suze-orman/consider-a-15-or-20-year-fixed-rate-mortgage-instead-of-a-30-year-if/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. 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