Making cents of money matters.
The easiest way to budget is to spend directly from your plan.
Change the way you feel about money
We have some good news: we’ve created 5 simple steps to get you started on your financial journey. Here’s the better news: you will only do steps 4 & 5 more than once! Hello stress-free budgeting!
1) Choose Your Qubes
Let's be real, we all have tons of things we spend money on. Choose different categories like groceries, rent, gas, travel, things for yourself, and more. You can always add additional categories later!
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.
2) Add Your Income
This is what makes Qube so powerful: you spend directly from your budget! There's no need to backtrack and reconcile purchases because they happen instantly within the assigned category. We highly recommend setting up direct deposit or a recurring ACH transfer to consistently put your plan into action, ensuring it's not just planned but applied!
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.
3) Give Every Dollar a Qube
It's time to give those hard-earned dollars a purpose! Assign a budget to each spending category, otherwise known as a 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!
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!
4) Spend From Your Plan
When you open a qube and use your card, you'll see your expenses deducted right from your budget, giving you a clear view of your remaining spending. It's almost like magic, but really just complex lines of code we don’t know how to explain!
If you're not spending directly from your budget, you're probably collecting receipts and adding up expenses afterward. But with Qube, you plan your spending before you spend, only using what's available in each category. No more stressing, spending hours budgeting, or feeling guilty—just a clear plan for every expense!
5) Adjust as You Go
Life changes, and so can your budget. When there's a new family member, higher rent, or a new interest, 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.
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.