Fraud Detection & Alerts

Most fraud starts small. Criminals test accounts with tiny charges - $9.99, $14.95 - to see if anyone notices. If those charges go undetected for months, they scale up to hundreds or thousands. LifeLedger Pro stops that pattern cold by flagging every unfamiliar merchant the instant it appears in your transactions.

Even if you have never used Excel, this protection works automatically. Friendly popup windows guide you through each step - just click "Next" and follow along. Every time you import transactions, LifeLedger Pro compares each merchant name against your complete payment history. New merchant appears? Instant alert. The system flags it immediately so you can verify whether it's legitimate or fraudulent - all in plain English, no technical jargon required.

The alert shows the merchant name, amount, and date. If it is legitimate (maybe you tried a new restaurant or online store), click Dismiss and it disappears. If you do not recognize it, you have all the details you need to contact your bank immediately - before the fraudster tries again. Read more...

Most banks only keep 90-180 days of searchable history online, and their fraud filters are designed to protect the bank's liability - not catch every suspicious charge. LifeLedger Pro fills that gap by maintaining a complete record locally in Excel, scanning your downloaded transactions privately on your own computer.

Every alert stays visible in your Checking Account Watchdog section until you personally review and dismiss it. Nothing disappears on its own. Nothing gets ignored. If a fraudulent charge slips through your bank's filters, LifeLedger Pro catches it.

The entire process runs completely offline. Your transaction data never uploads anywhere, never syncs to the cloud, never leaves your computer. Think of it as a personal fraud analyst working 24/7 inside Excel - silent, trustworthy, and protecting your money while you sleep.

This is not complicated software requiring training or technical expertise. It is simple protection that works automatically - designed for real people who want their money guarded without learning complex systems.
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Autopay charges hit without warning - unless you use LifeLedger Pro. The system reminds you three days before every automatic payment drafts, giving you time to check your balance, make a deposit, or simply feel confident everything is covered.

Each alert shows your current balance alongside the upcoming charge, so you know instantly if you need to move money. The reminder automatically disappears once the payment posts, or you can dismiss it early by checking a box. Simple. Clear. No surprises.

Beginners love this feature because it requires zero setup beyond your initial configuration. Once you tell LifeLedger Pro which accounts autodraft, it watches them automatically - no spreadsheet skills required, no formulas to understand, just friendly reminders that keep you ahead of every payment. Read more...

AutoPay Alerts work hand-in-hand with Bill Change Alerts (described below) to give you complete protection. One warns you three days before auto-charges hit your account. The other flags when bills are higher than expected. Together, they prevent overdrafts, catch billing errors before they multiply, and ensure you never get blindsided by unexpected withdrawals.

Canceled Subscription Protection: Marked a subscription as canceled? If that merchant charges you again, LifeLedger Pro triggers an immediate high-priority alert - just like a fraud warning. No more paying for gym memberships you canceled six months ago or streaming services you thought you'd ended. Check one box, and the system watches that merchant forever, alerting you instantly if they attempt another charge.

Unlike calendar apps that send one reminder and move on, LifeLedger Pro keeps showing alerts until payments actually post or you confirm them manually. This persistent accountability ensures nothing slips through the cracks - even if you are busy, distracted, or simply forget to check.

Everything runs completely offline. No internet connection required. No cloud syncing. No external servers. Your banking schedule stays private on your computer, monitored quietly by Excel without ever exposing your information to third parties.

Whether you manage five autopays or fifty, LifeLedger Pro handles them effortlessly - giving you peace of mind without adding complexity to your life.
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While AutoPay Alerts remind you when payments will hit, Bill Change Alerts warn you if the amount changes. Together, they give you complete visibility - timing protection plus price protection.

Set an expected amount for each bill and define how much variance triggers an alert. For example, if your electric bill normally runs $82 and you set a $5 alert range, any charge above $87 gets flagged instantly. No more quiet price increases eating away at your budget month after month.

This works automatically - no Excel knowledge required. Friendly pop-ups guide you through setting up each bill during initial configuration. After that, LifeLedger Pro monitors everything behind the scenes, alerting you only when something changes. Read more...

Bill Change Alerts catch levelized billing adjustments, insurance premium increases, subscription price hikes, duplicate charges, and billing errors before they compound. One small alert can save you hundreds of dollars over a year by catching problems early.

Every alert stays visible until you personally review and clear it. Nothing disappears on its own. If your electric company quietly raises rates, if your insurance renews at a higher premium, if a cancelled subscription continues charging you - you will know immediately.

Like every LifeLedger Pro feature, Bill Change Alerts work completely offline. No cloud accounts. No hidden connections. No external servers. Everything stays on your computer, safe and private, while quietly protecting your budget in the background.

New Merchant Alerts catch fraud. AutoPay Alerts prevent overdrafts. Bill Change Alerts stop price creep. Together, they form a three-layer protection system that guards your money 24/7 - all inside one private Excel workbook that never leaves your control.
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You canceled your gym membership three months ago. They charged you anyway. This happens to millions of people every year - merchants continue billing after cancellation, hoping you won't notice buried in your statement. LifeLedger Pro makes sure you catch it immediately.

Mark any subscription as "Canceled" with one checkbox. If that merchant charges you again - ever - LifeLedger Pro triggers a high-priority fraud-level alert the moment you import transactions. No more discovering six months of charges you thought you'd stopped. No more calling your bank to dispute payments that should never have happened.

The system watches canceled merchants forever. Planet Fitness, Netflix, that app subscription you forgot about - check the box once, and LifeLedger Pro becomes your permanent watchdog. Simple protection that saves real money.