I take a couple of minutes every day or two to check off what's cleared my bank. Maybe once a week I'll do a quick reconciliation against my paycheck tracker: look at my available bank balance and subtract whatever is outstanding on my tracker to verify that I haven't forgotten to record a payment, or that I don't need to transfer any funds to cover something. I'm on salary, so my pay amount from my primary job is consistent; it makes it easy for me to quickly fill out the upcoming payday by listing payments from my annual bill tracker - like less than 20 minutes.