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Know Where Your Money Goes

Charting expenses can make sticking to a budget easier

How often do you ask yourself "Where does all my money go?" Keeping track of expenses is an effective way to stick to a budget and it also allows you to identify those poor spending habits you didn't even know you had. First Community Bank and Trust customers who use our online banking service have a great tool at their disposal to help track expenses with the new Spending Chart feature in First eBanc.

Automatic Allocation: The Spending Chart feature automatically allocates expenditures according to assigned categories. Common categories include Automotive, Education, Entertainment, Food and Dining, Health and Fitness, Home, Personal Care, Pets, Shopping, Travel, and Utilities. Within each main category there are subcategories to further itemize your expenses. For example, under the Utilities category there are subcategories for Gas, Electric, Cell Phone, Trash, Water, etc. So payments made to the gas company will automatically be allocated to the Utilities category, under the Gas Bill subcategory. If certain expenditures do not get categorized as you wish, you are able to edit that transaction, designating to which category it should be allocated.

Detailed Views: The pie chart on the First eBanc Landing Page gives an overall view of all spending within a specific account, searchable by date range with the itemized categories listed below the chart. Click on one of the category names and a new chart pops up showing the itemization of that category into its subcategories. This offers a more detailed look at expenditures.

Easy Exporting: In First eBanc, it's easy to export transactions to a money management software program. Money, Quicken and Quickbooks are all supported formats. You can also export the transactions in a .csv format to use with Excel or similar spreadsheet/data management software. Because the transactions are already categorized, they will automatically sort into the same categories in your software.

Staying on budget can be difficult, but there are tools to help keep you on track. Visit our website at www.firstcbt.com to view a detailed video on First eBanc’s many features, which includes a detailed section on its Spending Chart.

View Spending Chart Tutorial

About First Community Bank and Trust
First Community Bank and Trust is a privately owned bank. Established in 1916 First Community Bank and Trust has been serving Beecher, IL, Peotone, IL and the surrounding communities for over 99 years. Our commitment to providing the best banking products and services is matched only by our outstanding customer service. We offer traditional community banking services, including mortgage, consumer, and commercial lending, as well as state of the art electronic banking services.

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Press Contact:
Steven D. Koehn, VP
First Community Bank and Trust
(708) 946-2246