Develop a solid financial fitness plan. Just with personal fitness, developing a plan for your money is essential in order to keep your finances healthy. With our free Personal Financial Management (PFM) tool Life Track, you can view, track and manage all your finances in one place. Life Track provides you with the ability to: Create a budget Tag expenses Set goals Manage cash flows Track your net worth Tutorials Dashboard The dashboard is an at-a-glance view of your overall finances. Information is aggregated from other financial institutions and all current balances are displayed in one place. Each transaction is tagged and classified, providing a comprehensive overview of all of your expenses. Watch Video Tagging Accounts Life Track automatically "tags" your transactions according to merchant category, but to get a more accurate financial picture, you can customize them specifically to you. You can choose to have all future transactions with that merchant tagged the same way. Watch Video Cash flow Cash flow helps you keep track of upcoming income and bills to determine how much cash is available to you in the coming weeks. This is calculated using the current balances of your accounts in conjunction with the upcoming income and bills that have been added. Watch Video Budget You can create spending targets for your variable expenses, like clothing and entertainment, by choosing a tag to track. You can track multiple tags within a single spending target. Fill in the rest of the form to provide a target amount (that you do not want to exceed) and choose to be alerted if you're in danger of going over. Watch Video Goals Goals are used to track the progress of your savings or debt reduction targets. You can create goals that track the balance of a specified account, or ones that track transactions with a specified tag. Name your Goal, choose the account or tag you'd like to track, followed by a goal completion date, as well as the target amount for the account/tag. Watch Video How To Get Started Using Life Track is easy when you login to your account in online banking. Simply click on the Life Track tab and start adding your accounts. Your LOC accounts will automatically pre-populate with the most current information. You must have an online banking relationship with the financial institution in order to add it to Life Track. When you add a financial institution, you will need to verify your identity by entering your user name and password as you would when logging in to that particular site. You may also be asked to answer your security question(s).