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Then, let’s say, you're at the grocery store. You decide how much to put in each qube and how you want to divide up those funds. Like $250 for groceries, $500 for household bills, $500 for car-related items, $200 for clothes, etc.
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Then you make your own envelopes (called qubes) and designate particular amounts for each qube. Transfer funds from your bank to your new Qube account. You link your bank account to your Qube account. The world seemed to be going cashless and the envelope method seemed terribly antiquated.Įnter Qube Money. This is a budgeting and banking app that puts a modern twist on the old envelope method. It brought back fond memories of my dad and the lessons he attempted to impart to me about budgeting, responsibility and the value of money.Īs an adult, I had my own version of this envelope system but pretty much abandoned it as I dealt less with cash and more with debit cards, credit cards, and online payment systems. I was a little too young to get the complete rundown of each envelope and how much they contained, but I got the jist of what he was doing.ĭecades later, I heard personal finance guru Dave Ramsey talk about his envelope system. Each one was marked with something like groceries, miscellaneous, household bills, etc. I have this childhood memory of my dad sitting at the kitchen table once a month and putting cash in envelopes. Please read our disclosure for more info. Disclosure: This post may contain affiliate links, meaning we get a commission if you decide to make a purchase through our links, at no cost to you.