What was the very first financial choice you ever made? It likely took place before your first job, even as far back as when your annual income consisted of money from the tooth fairy and lucky pennies.

The very first financial decision you ever made is also one of the most important choices—where to keep your money.

Think fast: what’s the most recent financial decision you made? You likely won’t have to think too far back.

It’s not the last account you opened, or the school loans you consolidated—it’s something much simpler that’s part of your daily routine.

Cheques hold an odd place in our personal finances. In many ways, cheques seem like relics from a previous era.

Whether or not cheques are on their way out, there are still a couple of cheque-related best practices that you need to be aware of in order to stay on top of your finances.