Keep control

Get smart

Be ready

1. List fixed costs and estimate expenses


Person making a budget

2. Keep track of your spending

Mobile phone for tracking spending

3. Review and adjust your habits

Make sure your total expenses don’t exceed your monthly income. If you have money left over, set it aside for savings.

Shop with a list

Set goals

Use credit cards wisely

Learn more about credit cards

Get creative

Student gets advice about credit cards from a CIBC representative.

Credit card basics

CIBC advisor hands a credit card to a client

A crash course on credit

Jar containing money

Savvy saving tips