Post=dated checks are so confusing

I agree with the others. Something's off. I took voice and piano lessons for ten years. My mom wrote a check every month. If I missed a lesson due to schedule conflict (rare because my training came first, second only to my horse & school work), as long as I gave them 48 hours minimum notice It was taken out of the next month's amount. They were so busy that they could always fill a slot in 24 to 48 hours. If I was sick, I wasn't allowed to go because they didn't want to spread anything & my teacher was older; not that I felt up to it. I would speak privately about the matter with your vocal instructor. If it is for the simple reason, that she needs to show documentation of accounts receivable to a bank (which would be odd because, technically post dated checks are illegal) then ask her for a six month contract. Contracts are legally binding forms of documentation of accounts receivable. Explain that writing post dated checks goes against your moral fiber and while you wish to continue your practice under her, this might be a deciding factor for you. If she is not willing to work with you, then I would look for someone else. It really isn't worth putting your self in a financial bind for someone else. Especially on a fixed income. I'm a full time student, I fully understand fixed incomes.

I suppose I am a bit confused. What benefit would it be to the teacher to ask for a post dated check? Wouldn't the teacher want a check that could be cashed immediately? Also, can't the person writing the check can still enter it in their check register and subtract it out as usual so that they do not overdraw themselves when the person to whom it was written cashes it in the future? I would think it would be more beneficial for the person writing the check...they get to earn interest on that money a bit longer? Please help me...apparently I do not understand!

I nevr wrote one myself didnt like to do that I have enough now to keep up wit what comes out of the bank monthly I deduct that as soon as I am paid

Why in the world would she want you to do that? I guess she wants all the checks in hand and figures that's the best way to insure it, she must have a very tight budget. When I post-date a check, which is rarely, I just enter it in my check register with the date on the check but subtract it immediately from my balance. Although the money is not yet spent, it will be so it doesn't matter when I enter it.

I don't think it is exactly legal to post date checks. The check will be honored if it is taken to the bank even before the date... the bank will not hold it. I have a doctor who will hold a check until you tell them to deposit it... that works and is very honest. If you say hold until Tuesday of next week... the doctor is willing to have it held and then deposited to help you out.

We are not writing in words "date"in the postdated cheque. So any man can change some dates say 1 to 11 or 12 ,2 to 21,22,23 which we cannot at first sight cannot find it. Also some persons handwriting will be confusing. So the cheque itself is confusing for some dates

I hate writing post dated checks too. I just go ahead and write them in my checkbook though. I hate when it is time to balance the checkbook though because it can get a bit confusing.

There is only one thing I write checks for and that is my rent. I haven't written a check for anything else in probably the last 10 years, I don't think. I don't know too many people that use checks anymore. I write out 12 post dated checks every December for my rent for the following year. That way I don't have to think about it every month, paying my rent. I mail them to my landlord and he just gives them to his accountant and everything is taken care of. I don't have to think about it or worry about it for another year. Other than that I haven't written out a check in years. I pay all my bills by phone through my bank and when I send money for a gift to my granddaughter I just put it into her bank account. I can't seem to think of a single other thing I would maybe write a check for..... Cheers my friend, Chris

I really only write one check a month. That's for the rent. More often then not it's post-dated. Not by much, but I do have to post-date it depending on where certain dates fall. This ensures my rent is paid on time, while securing the money in my checking account since I only get one check a month. So I don't take a gamble on my bills, especially the rent/water. Yup. I played the game years ago. I'd much rather not play it again if I don't have to.

i agree with you. the lady i board my horse with wants post dated checks for the blacksmith. i keep good record of my spendings in my check book but it still confuses me. i only work part time and they are cutting hours left and right. i still have the money to pay for his shoes from the blacksmith but like you said i do have other things i need to pay for that month too.