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HOW IT WORKS

The right change. Literally.

Budgeting is ok. Changing spending behavior is transformational!

The new way to spend smart

Envelope budgeting for the 21st Century.

The old envelope budgeting method has helped millions of people. Today cash is clunky and outdated. Our digital cash envelope banking and budgeting system is the perfect solution for the modern world.

We have attempted the cash envelope system, but we don’t like carrying cash. So much of our shopping is done online. I love that Qube Money is a “real time” spending system, and the key word for us is AUTOMATIC!
LisaSmall Business Consultant
Nebraska

Qube is easy. Let's show you.

STEP ONE

Deposit money into your Qube account.

Safely and securely deposit money into your Qube Money account. All money deposited in Qube Money is held by Choice Financial Group, Member FDIC. Qube Money’s tech enables you to organize and fund your qubes.

STEP TWO

Design your plan.

Creating qubes gives every dollar a job. Qubes are like virtual accounts or budget envelopes to easily mange and track your money.


Different ways to use Qubes

  • Create better spending habits
  • Pay off debt and keep track of bills
  • Save for things you want
STEP THREE

Allocate your funds.

Divvy up your money into your qubes. Your money must be transferred into a qube before it can be spent. Now, simply click the qube balance to spend.

STEP FOUR

Live in the know.

Accurate, real-time qube balances create awareness. Make better decisions with your money.

Since I have started, I don’t have that end of the month anxiety. That is a huge thing… That was something that I didn’t actually expect, the peace of mind that comes from using the system.
ChrisSenior Marketing Specialist
Utah

Qubes for saving

Save for what you really want. Set goals with loved ones. Work towards goals with transparency.

Qubes for bills

Due dates, bill amounts and allocated bill funds all in one place.

Qubes for spending

Users save an average of $440 more per month without feeling restricted.

Qubes for family

Learn and share money together. Create qubes with your children to teach them healthy money habits.

Qubes for couples

Building dreams is done better together. Share, plan and grow money as a team.