i never balance my checkbook, there's just no reason to do it anymore with online banking. everything is handled for me online -- all withdrawals, deposits, interest, checks. i do however check my account online and make sure it is correct.
i rarely use cash, either. credit is convenient and helps me to keep a similar register of my purchases with the benefit of fraud protection, insurance, and points, rebates, or cash back. i use an american express cash rebate card with no annual fee, which rebates me 1.5% on all purchases. it doesn't sound like much, but it's free money.
i never carry a balance, so this really is a no brainer. no matter how painful it is -- and believe me, some months it can be quite so -- i always, always, always, without fail pay off my balance in full before the due date.
if you can do it, it can be a great way to live.