since my credit card was cloned twice within a few months a couple of years ago, I have got into the habit of doing a quick check in both that account and my bank account every morning whilst I have my brekkie. Takes such little effort and time and makes me feel safe. I do keep a note on all monies I am entitled to recieve and know exactly how much money goes out of my bank account by DD, etc. I have a list with how much money I need each month,(I ( divide ALL my costs by 12), and provided that (Micawber like) remains lower than the sum I receive in each month, I am happy.