We probably write fewer than ten checks a year, but I reconcile the monthly bank statement with my “check” register spreadsheet, and I still produce a monthly cashflow report that accounts for every penny in and every penny out. It’s all electronic; bank and credit card data are downloaded to Quicken and imported to spreadsheets from there. The spreadsheets are linked and income and expense buckets are graphed so I can compare things like utilities, groceries, dining out, etc. from month-to-month, year-to-year, Maine vs. Arizona, etc. The visual is very helpful. I’ve been doing this for over twenty years, so I have an exact handle on spending. It made retirement planning trivial.
I shared an example of my monthly report here for anyone interested.