Qube Money: Envelope Budgeting

I love Qube! And the best part my husband does too! This is the only budgeting solution that has actually worked in my marriage! It is like the envelopes system, but digital! If you’re a Dave Ramsey fan, this is thee solution!! Last week I needed a new battery for my car and because I’ve been saving a couple bucks here and there in my car fund, I was able to pay for my new battery in cash without touching my emergency fund. It felt so so awesome! I no longer ever have to spend 45 minutes categorizing transactions before I even work on a budget because the transactions are categorized at the time of purchase. My husband loves the fraud proof aspect of it, and I just love that we don’t ever argue about money anymore and we are actually making progress towards our goals! Try it just for groceries and eating out. I promise you will love it. You will save so much money in the first month just because you actually know where your money is going. I tell everyone I meet about Qube!!

Life changing app! Fun and easy to use. Plenty of automation features, too!

I’ll admit, it takes a bit to get used to some of the ways the app works, if I absolutely love Qube. It’s especially helpful to ensure you don’t have any unexpected transactions. For example, if I sign up for a service and I decide I don’t want to use it or they keep trying to charge after I’ve canceled, they won’t go through. This has completely revolutionized the way I manage my family’s finances. I’m not aware of any other bank that puts this much power into a consumer’s hands. Thank you Qube!

Never in my life have I had such a great budgeting experience. I don’t have to track my expenses manually anymore or deal with software that doesn’t categorize transactions correctly!

Qube changed the way we spend entirely. So many of the budgeting apps show you what you did after it happened, but Qube forced us to think before we did anything since we had to have the funds in the Qube already.

I have been trying to be more mindful about my spending, but tracking my every transaction gets tedious FAST. As someone who has been splitting my money across multiple banks to better keep track of my budget, this app has been perfect!!! I used to wish I was the kind of person who could hassle cash envelopes, but this is soooo much more convenient with useful stats. Highly recommend.

It takes a minute to get in a rhythm with the app, but it’s totally worth it. It has completely changed the way we manage our money - for the better.

I've historically struggled with budgeting and tracking variable spending, often considering the cash envelope system but finding carrying cash and frequent bank trips inconvenient. Qube has been a game-changer for me in this regard. The app allows me to budget and track variable spending electronically, eliminating the need for cash and bank visits. While there is a learning curve, I appreciate the comprehensive features Qube offers. I know I haven’t explored everything the app can do yet, but it has already made a significant positive impact on my financial management. Highly recommend for anyone looking to streamline their budgeting process!

This app is amazing for creating an intentional spending experience. I can choose how I want to spend my money and i only spend what I have.

Qube Money has helped to save me so much time on my budget. I used to use spreadsheets and take 2-3 hours a week to track finances and make sure we had enough to pay the bills. Now it takes way less than an hour to put money in the Qubes it needs to be in and see how far my money will go. There are some features it lacks. The main one being able to electronically deposit checks through the app. It’s also hard to automatically allocate funds they way you want to unless you have over 1 months expenses already in your account when you get paid. But it’s still super easy to manually put money in the Qube’s it needs to go in when I get paid. Qube Money does a good job with making improvements, though, and providing good customer service when it’s needed.