Qube Money Review: Best Digital Cash Envelope App [Tutorial]

[@SmartMoneyMamas]

Have you struggled with budgeting in the past? What questions do you have about managing your money with Qube?

[@mace8704]

How do reoccurring monthly subscriptions work?

[@stephanieo5441]

Can you link multiple accounts?

[@tabithalavelle9613]

This is everything I have been looking for. I have been cash budgeting for about 6 years now. I have been researching for a few months how to convert from my cash envelopes to digital. Thank you so much this is so functional.

[@dee-annapippenger906]

Ahhh, thank you! I feel like all my research has finally come to an end! Qube makes way more sense to my brain than other systems.

[@SmartMoneyMamas]

I hope it helps! It works so well for my brain as well. What do you use to budget currently?

[@mamascrafts13]

Honestly, it makes sense to me as well. Does it require payment monthly?

[@porshaaaa]

Have you used it yet?

[@elizabethcarballo2891]

This is the most thorough Qube review I’ve come Across 👏🏽❤️ everyone else confused me. Great job!

[@toniharris5888]

I really enjoyed this video. This is exactly what I needed to get my finances under control. This will stop my mindless spending. Keep me on a budget. Thanks for explaining the features in detail and breaking it down. I will reference this video often. The features look confusing. I know it will get easier once I start using it on a consistent basis. 2021 is looking Brighter and Better! Thank You!

[@mitulpatel8592]

This is exactly what I was looking for - Thank you so much for this in depth review!!!

[@SmartMoneyMamas]

I'm so glad it was helpful!!

[@TemporaryBS09]

This is such a well articulated and thorough video. Thank you so much!

[@pinkapples33]

This is a fantastic, thorough and well organized review

[@bamber4757]

Wow this is a game changer!!! I have ADHD and its hard to keep track of everything. This is perfect! Thanks so much for making such a detailed video. I so happy about this I could cry. Thank you!

[@rashadthewealthcoach]

I’m sold!!!

[@tahirahwilliams6317]

Thank you for this video. Their are so many videos out on budgeting as a single. What about us married peeps! We needs help as well. Thank you for the example you have given.

[@melanieharp7633]

I really enjoyed this video. You very very detail and gave visuals. Your video won me over! Qube, here I come.

[@Jotique]

I just switched to Qube bank for good and I am extremely happy now!!! I got my life back now...

[@propertyresults9695]

Is there something like this for businesses? Using this now for personal finance

[@Liznvx]

One finance offered a similar system. I was even able to direct deposit my check and transfer into these envelopes. Unfortunately, they deleted this feature. Which was, in my opinion, the most useful for me. This is why I’m now here ….

[@TheAmazinRaven1]

Unrelated but I love your shelves 🥺

[@SmartMoneyMamas]

Thank you!!!

[@damarisbaptiste847]

I’m new to Budgeting and wanted to do cash envelopes. I have my bills on auto pay so it didn’t make much sense to me. I was looking for a better way to budget and this sounds perfect! Great job on this video. I’m going to download the app and hopefully I can figure out a budget that works for me. New subscriber and I look forward to viewing more of your videos ❤

[@JT0425]

Great video! Have you had any issues where you transferred money into a qube and transaction still declined? I have read about this issue somewhere.

[@thespicyonion]

Your code worked! Thanks!

[@rickiweaver11]

Will you be doing a Smart Money Mommas Summit / Confrence this year?

[@graigsmith6734]

I downloaded Qube. And I am looking at it. When you get paid does it auto fund the qubes based on the qubes budget value? Or do you have to manually put the money in?

[@Jotique]

You manually have to put them in yourself

[@pierrepaniagua]

How does this work for gaining credit card points? I guess that eliminates it?

[@sable747]

Wow, this is so helpful! Thank you!

[@courtfurm5497]

So glad you reviewed Qube! This is so helpful!

[@krisbugg6423]

is qube available in Australia?

[@MsSparkles111]

Is Qube available in Australia (for Australian banks)? It doesn't look like it but I can't find this information anywhere on their site (or anywhere else!!). Thanks.

[@jeanettemccay]

Does it work for automatic subscription like amazon im still learning how this works

[@karladuron8457]

Am I able to transfer money back out of Qube or is there a fee to do so?

[@porshaaaa]

Do you have the answer to this now?

[@Luxurbium]

You can always transfer out without any fees as long as u do a bank transfer ACH it'll take 3 days or so no fees I did it many times to my capital one

[@porshaaaa]

@@Luxurbium bank transfer ach?

[@porshaaaa]

@@Luxurbium It takes 3 days to go from Qube back to your checking account?

[@Luxurbium]

@@porshaaaa yes it did for me (3 business days)

[@julienickel3568]

I just signed up and funded my account via your link.

[@Jotique]

I have a question... How do I pre authorize a payment from the bills side?

[@waynejamel6703]

Does a couple pull from the same qube or do you have separate qubes

[@waynejamel6703]

This sounds amazing

[@Washburnello]

Anyone else here looking for an alternative to ONE after their train wreck of an announcement?

[@Londya]

dont do it.

[@Succubus3e]

@@Londya don't do Qube? What did you not like about it?

[@Succubus3e]

EXACTLY what I'm here for 🙄

[@ashtenmock7988]

I’m having a really hard time with getting the bank to connect to the app. I have to find a new bank because mine is only located in NC and we are moving. Which bank works well with qube? Which bank do you guys use? Thanks.

[@LB-me7us]

I set up an account but cannot select Bills or Savings or the cube - do you have an ideas why? I cannot figure out who to contact to answer the question. Is it just not available on the basic plan? What categories are you using for your cubes? Thanks so much! Can't wait for your reply.

[@SmartMoneyMamas]

Hi Lisa! Bills and Savings Qubes will just be for Premium members BUT the reason you can't click on them right now is because the features aren't yet live. Bills Qubes should be live in the next few weeks and Savings Qubes don't have a specific release date yet. For my Qubes, we currently have: Groceries, Fuel, Household Goods, Auto Maintenance, Kids, Pets, Clothing, Dining Out, Family Fun and Gifts

[@LB-me7us]

Thank you so much I would love to see more Qube videos😊

[@SChiodo]

Can you and your husband each have a cube card?

[@porshaaaa]

Okay I need someone to clarify something for me: in the video she said that there isn’t ever any money on the card but then later she stated she had $300 in her Qube cloud that she had to allocate to different qubes. Until she sent the money to a qube, was the $300 on the card?

[@michaelmandel3438]

how can you use this with Uber and Lyft since you're supposed to connect your card to the app?

[@SmartMoneyMamas]

You can just connect it like you would any debit card, but you'd have to open the Qube you want to pay for the ride from before calling the ride.

[@carolynwilliams8428]

Chelsea, Is this similar to a debit card? No consumer protections when making a purchase like a credit card? It looks like an interesting concept.

[@SmartMoneyMamas]

It is like a debit card, but has more consumer protections because the cards standard balance is $0 unless you’ve opened a Qube or pre-authorized a transaction. So if a retailer tried to run a transaction without you authorizing it, it would decline. It’s actually why I like using it for online purchases - I worry less about the card number getting stolen.

[@stephaneoget9488]

Damage not available in France.

[@ThatGrizzlyGuy]

Do you still recommend a year later?

[@SmartMoneyMamas]

Yes! We still use it as our main money management tool and love it.

[@reenstez]

Does opening an account with Qube mean I have to empty and close my bank account I've had for 20 years to fund Qube?

[@SmartMoneyMamas]

Nope! You can keep both accounts. Just transfer what you want to into Qube :)

[@mariz_mariz]

Now if only they had a high yeild savings account...it would be the perfect banking solution.

[@madnessintomagic]

It’s so funny that I’ve been researching for a few weeks some budgeting programs, but never came across ANY of these. Just things like Mint and other budgeting ones that focus on investing and force you to enter every thing painstakingly. Mint is a quagmire. The more info they had on me, the less I understood. Even researched digital envelope budgeting and only came across articles saying that some banks let you do sub-accounts etc. Only came across Qube accidentally.

[@src4409]

I guess this is OK for people who can't stop spending and have no will power at all, but I want to keep my currently bank account and still be able to make purchases online with a card that I pay off monthly and get perks with. This is also not a good solution for people who live rural. Access to your physical money is important.

[@salemirisheyes]

If you are just starting with budgeting, which is better to use YNAB or Qube? I saw your video on YNAB, was checking it out for the free trial and trying to set it up. I just saw this video and now I'm wondering which to go with.

[@SmartMoneyMamas]

It really depends on your personality and goals! If you think you'll have trouble keeping YNAB updated and accurate and/or your main goal is getting day-to-day overspending under control, start with Qube. If you're more focused on long-term planning (preparing for irregular expenses) and have some spending discipline, YNAB is perfect. YNAB is a fantastic tool, but many overspenders end up overusing the WAM (whack-a-mole) feature and it becomes a game of constantly moving around money to try to cover spending mistakes, unless they can build a habit of updating and checking their YNAB regularly. Where Qube stops that unplanned spending before it happens.

[@jessinprocess]

Looks like you went back to YNAB now. Not surprising, this looks like a gimmicky pain in the butt.

[@SmartMoneyMamas]

Nope. My husband and I still very much use Qube. We've continued to use YNAB for long-term planning and sinking funds, but all of our day-to-day spending is done through Qube. It works very well and helps stay on the same page with those regular categories

[@Londya]

You're right, it's a gimmicky pain in the butt. I dont see why all these youtubers have such positive reviews. Well actually I do see why. Qube makes sure they are fine, but the rest of us are left out in the dust. I'm going back to YNAB. Qube just gave me the mindset I need to make YNAB work for me again. I must have lost sight of it somewhere down the road, but I'm back where I need to be. Honestly, you don't need all those extra features of virtual cards, card locking, etc. with Qube when you have self-control with your spending. YNAB helps you build that. Qube just does it for you. I'd rather learn to fish than have someone fish for me, or however the saying goes.

[@rosannastewart3174]

Every KZbin vid is just a sales pitch nowadays 🤣 We come to watch videos and chill out not to buy things lol. Stop making us out as just consumers!!!!

[@rosannastewart3174]

Oooo only £6.99 this or £8.99 that wtf is wrong with people lol I’m here to watch KZbin vids

[@cynthiagibson3511]

I currently use Qube and I like the idea of digital envelopes. Qube advertises that your money gets deposited 2 days earlier with direct deposit… it hasn’t been in my case for some reason. My husband’s employer has always direct deposited into our bank every 2 weeks on the dot for years now. Ever since we decided to sign up for direct deposit with Qube, it seems Qube holds our money hostage for at least a couple of days. If it’s a holiday, his company makes an early deposit; Qube holds it for even more extra days after the holidays. His company never deposit money on the weekend, Qube does meaning they hold our money hostage. Even though the digital envelope aspect of it is nice, there’s quite a few headaches with Qube.