It may then take up to 24 hours after a triggering transaction is posted for an alert to be sent. † Transactions must first be posted to your account before they can trigger a spend alert. Simply assign transactions to categories as you see fit, and print a personalized summary report. Once your categories are created, it’s easy to track and manage your personal budgets. With the CIBC CreditSmart Personal Spend Manager available through CIBC Online Banking - you can create and manage your own personal spending categories (such as “Wedding”, “Basement Renovation”, or “Business Expenses”). Track your credit card spending in customized categories that are personal to you You can also choose to have an alert sent to you when you’re approaching your credit limit, which can help avoid fees or inconvenience.† You can even let us know how you would like to be notified - by e-mail, phone or through your Online Banking Message Centre. Once you’ve used your CIBC CreditSmart Spend Report online to set up monthly budgets, you can choose to be notified with CIBC CreditSmart Spend Alerts when your spending exceeds your budget. With the CIBC CreditSmart report, you can access your daily transaction information, set budgets for each of the 10 spend categories, and compare your spending from month-to-month. The online spend report provides you with all of the info you need to track and manage your spending. You’ll be able to see, at a glance, where you’re spending your money - both on a monthly and year-to-date basis - by automatically tracking your spending in 10 common spend categories such as “Retail and Grocery,” “Transportation,” and “Restaurants”. #HOUSEHOLD BUDGET TOOLS FREE#Fill in the free BUDGET PLANNER spreadsheet. See our six tips before starting your budget. Understanding exactly where you spend your money is easy Lay the groundwork by compiling these financial records, as well as info on credit card debt, pension contributions and one-off spends. Now you can track your monthly and year-to-date spending in categories and access a more detailed view of your credit card activity. Understanding where you’re spending your money has never been easier.
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