Real Simple’s Smart Money award winner for #1 budgeting app.
The easiest way to budget is to spend directly from your plan.
The Qube Way
Choose Your Qubes
Add Your Income
Give Every Dollar a Qube
Spend From Your Plan
Adjust as You Go
These steps are a one-time task
Introduction
Qube Money brings the time-proven method of cash envelope budgeting into the 21st century.
Choose Your Qubes
Qubes are budget categories like groceries, rent, gas, travel, and more. Choose qubes that represent areas where you spend and save money. You can always add additional qubes later!
The Magic
Imagine trying to solve a puzzle without knowing what the picture is—it's tough, right? Budgeting works the same way. It becomes simpler when you have a clear idea of what you need. Being mindful of every purchase gets rid of a puzzling budget, turning it into a reliable tool that works for you instead of against you.
Add Your Income
This is what makes Qube so powerful. You spend directly from your budget! To complete this step you'll need to apply for a Qube Debit Card. We highly recommend setting up direct deposit or a recurring transfer.
The Magic
Setting up recurring deposits in your budgeting app is like giving life to your financial plan. It transforms intentions into actions, ensuring your budget isn't just a plan on paper but a dynamic tool helping you prepare for any incoming events.
Give Every Dollar a Qube
It's time to give those hard-earned dollars a purpose! Assign a budget to each qube, and allocate funds accordingly. Keep in mind, you have the option to automate transfers, allowing your money to work smarter and serve your goals effortlessly!
The Magic
Knowing the purpose behind each dollar helps you stay mindful and make better decisions with your money.
Spend From Your Plan
When you tap the balance of one of your qubes, the money from that qube is immediately available on your Qube Card. You'll see the money leave your budget as you spend. It's like magic!
The Magic
Knowing where each dollar goes helps you stay mindful. If you need more money for something, you can decide which qube to take it from. It eases worry when you spend more than planned!
Adjust as You Go
Life changes, and so can your budget. When there's a new family member, higher rent, or a new hobby, it's okay to adjust your budget. Budgeting means being real about what you need to spend and flexible about what you can save. Being open to changes helps you manage your money better.
The Magic
Changing your budget when life changes keeps your money in line with what matters. Being flexible helps you handle new needs without messing up your finances. Remember, budgeting is like learning anything new—it takes time. Patience is key as you figure out what works best for you.
