Digital Cash Envelopes – Qube Money

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There are lots cash envelope systems discussion in the Dave Ramsey Facebook groups I am in. Questions on how to track regular budget line items balances and spending along with their sinking funds abound.

While many still do cash envelopes, there has definitely been a surge in questions about apps to track money designated for specific line items. And let’s be honest, managing multiple accounts is not for the faint of heart. It can get confusing, even overwhelming.

But I think I may have found the solution. It’s in beta, but they have taken the “cash envelope” system and digitized it. And they have added features to share access with your significant other AND have child accounts. Love it!

The Qube Money system combines digital banking, line item budgeting and parental controls and so much more. This team has also taken into consideration many of the security concerns people have with online banks and children and money and built in safeguards to give you peace of mind.

Qube Money Plans

They have several different plans to fit everyone’s needs and budgets. And the feature list is impressive.

More Control than a Typical Bank Account

I think my favorite feature other than literally digitizing the cash envelope system are the family oriented and parental control features. Even though I am on the kids accounts, I have very limited control over their actual spending unless I take complete control which seems counter intuitive.

I have had fits with canceling the random subscriptions the kids have signed up for. This was especially hard when they first started with managing their own debit cards. They would sign up for a “free” something that in the small print would say “14 day free trial.” As a result, Qube Money’s Subscription Control feature jumped out at me.

While it may be in a beta, I’ve been really impressed with what I’ve read and what they plan to offer. I’ve signed up to get access when they launch. If this intrigues you as much as it does me, let’s discuss!

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