![]() “Since I have started, I don’t have that end of the month anxiety. “I’ve been using the card for three days, and I’ve been absolutely loving it! So exciting!” – Erika “I’ve tried other budgeting apps, but none of them have a card you can activate and choose which category to spend from before you make a purchase.” – Colton “This service is genius! Avid YNAB user but get lazy checking categories…” – Todd On the company’s website, you can see testimonals from various users who Qube has helped get into good financial shape. Pre-purchases of Qube have totaled over $100,000. ProActive had great initial success and was recently rebranded as Qube. ![]() Ryan and Shane wanted to help their clients get out of debt and build a better financial future.īut what they saw instead was their clients falling off the wagon with online purchases and the inconvenience of a cash envelope system. Qube was originally launched as ProActive Budget by financial planners and coaches, Ryan Clark and Shane Walker. Qube has been a speaker and sponsor at FinCon, so you know this app is legit! The video below gives an excellent explanation of this simple yet effective app. It also makes you think carefully about what you want to buy before you swipe the card. ![]() This gives you peace of mind that the card is secure. Your Qube debit card always has a balance of $0 when you are not making a purchase. After the purchase is made, the payment is deducted from the total amount for the spending category, and the remaining amount is transferred back to your phone. This debit card is issued by Qube and is connected to your phone.īefore you make a purchase, it lets you pick the spending category from your card and transfers the funds to your Qube debit card for you to make the payment. Just think of Qube as a stack of cash envelopes that are digital and are all in one debit card. However, what if I tell you that there is a digitial alternative to the cash envelope system that is a perfect marriage between the cash envelope system and debit cards? Enters Qube Money. Having 10-20 envelopes for all the spending categories and carrying them everywhere? Not really my thing. FAF, who rejected the idea since it was “too much work.” And so I gave up and forgot about it. In fact, I heard so much raving about this system that I brough it up with Mr. At the end of the month, you can see how much cash is left by taking a quick peek in your envelope” – Dave Ramsey. Have you ever wanted to use the cash envelope system to better keep track of your spending but gotten discouraged by the hassle of using envelopes and carrying cash everywhere? I have.ĭave Ramsey is a strong proponent of the cash envelope system – “a way to track exactly how much money you have in each budget category for the month by keeping your cash tucked away in envelopes. Disclosure: This post may contain affiliate links.
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