With the "60% Solution, " you don't really need to track your expenses because your checkingaccountbalance should ideally be equal to the amount of money that you will spend each month.
Checking your accountbalance before you make a purchase not only protects you from an overdraft situation, but it also gives you time to consider if the purchase is worth making.
More good news for bank consumers: since the January 2011 Bank Fee Survey, average minimum balance requirements to avoid fees are lower, and average monthly checkingaccount maintenance fees (for those who pay them) are also slightly lower.