Here’s What We Offer…

A budgeting tool that makes it easy for you to manage your expenses anywhere, anytime, with no effort

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CMB Register

This includes Date, Check #, Type of Transaction (Deposit, Float, Spend), Category, Description, Subtract, Add, and Balance. Simply update the register when you deposit, float (which is a process in which you place money in a specific category), and spend. Floating is a concept that allows you to place money in a specific category that resides in your total checking account balance. However, your online checking account balance will read higher because your floating money is in that account – Note: This money has already been accounted for. Remember, the CMB register gives you the actual amount of your disposable income.

CMB Expense Tracker

Allows for you to track your expenses for a specific category while on the go. Simply write the floating balance amount for the specific category on the tracker and you will know exactly how much you have to spend. For example, if you have $100 that is floating in your “Entertainment” category and you spend $30 for dinner and $20 for dessert, update your CMB Entertainment expense tracker to reflect those amounts. Remember  to update your CMB REGISTER by subtracting the amount you spent. Download the “FREE” CMB Expense Tracker from the App Store or Google Play Store!

CMB Functionality

How many people do you know who dread paying their bills because they are not really sure how much money is in their account? An article from CNN Money in February 2017 stated the following: overdraft fees occur when a person’s bank balance falls below $0; many banks charge $35 every time an overdraft occurs; JPMorgan made close to $2 billion, Wells Fargo made $1.8 billion and Bank of America made $1.7 billion in overdraft fees.* 

Budgeting is the most effective way to take control over your money — instead of letting your money control you. Budgeting alleviates the stress of living from paycheck to paycheck in order to pay your bills, because with budgeting you have a defined plan of how your money should be spent. The end result? Peace of mind and freedom to focus on your goals.

 

* https://money.cnn.com/2017/02/22/investing/atm-overdraft-fees-rise/index.html