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12 months of saving: Where does your money go and can you find savings?

If your budget seems to pull a Houdini each month, manage your money better by using online banking to track your spending. With online banking you can track where your money is being spent and find spots to help you save money. Don’t have a lot of time? No problem. It only takes about 20 minutes to get started.

Online banking and budgeting tools

Numerica’s online banking lets you do more than check your balances and transfer funds. You can easily set budgets and get reports of spending trends – and the features are waiting at your fingertips.

To get started, set up your spending categories. After signing in to your account, look for the Reports option and choose Categories.

There are default categories already set, including the basics like grocery, dining out, and bills/phone. As tempting as it may be to start deleting and adding to these categories, give it some time. Once you’ve used it for a bit, you can easily add/delete/change the categories in order to tailor them to your needs and spending habits.

Another way of easily managing these categories is to create a rule. Click the icon to the left of the Category with the pencil to edit. You will see some of our favorite keywords already listed. Feel free to add your own keywords as well. You can then save the rule to have all future transactions at that restaurant automatically categorize under ‘Dining Out’.

Click the Auto Categorize box to retroactively apply the new rule to all your past transactions.
Already have some transactions tallied up? That is because while you’ve been focusing on other things, the Numerica Ninjas have been working to start making your budgeting tools. You can see what transactions are already in each category by clicking the magnifying glass to the left of the category’s name.

Creating your budget

Maybe you have already reviewed your bills to find the savings and know exactly what your budget should be. You can set that budget up by clicking the Budget option under Reports. A percentage bar helps to make sure that you aren’t over budgeting your funds.

If you haven’t been able to set-up that budget yet, let Numerica help to reduce the stress. Click the Suggest option under Budget. This will give a suggested budget based on previous purchases that can be easily adjusted.

Seeing your budget with charts and graphs

Want to visually see your financial health? Make graphs with the click of a button. Select the bar graph icon to compare monthly spending in a specific category. By hovering your cursor over a specific month, you can see the exact amount spent in that category. In addition, clicking on a bar in the graph will show the month’s spending in that category.

Your budgeted amount will appear as a yellow line that stretches across the entire graph. If you see that you are constantly over or under budget, you can adjust it on the screen and it will update the amount in your budget.

Your total budget at a glance

Choose the Report option then Month to see all of the categories broken down into a pie chart. This is a great way to see your largest spending categories and find where you are “money blind”. Hover your cursor over a slice of the pie in order to see the exact amount spent as well as what percentage of your spending that category was.

See all you finances in one place

SwitchAgent is a free, online tool that can assist you in moving your automatic deposits and withdrawals from your previous financial institution to Numerica. SwitchAgent works on your behalf to notify companies that are automatically depositing or debiting from your account.

Need help or have questions? Give our E-Services team a call at 800.255.9194 or chat online at chat.numericacu.com.

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October 22, 2017

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