Best Electronic Money Application – Life is expensive. Maybe you’re trying to pay for college, run a household, raise kids, or start your own business. But there’s nothing like a negative result to get your goals back on track. But we are ready to help. Today we will talk about what is the best budgeting app if you want to achieve your goals and achieve financial peace.
Technology has made spending money easier than ever. Even the money seems unreal. Take credit cards for example. When we spend money with a credit card, our brain does not register that we are spending anything.
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Research shows that when people use credit cards, they spend more money than cash. Up to 83-100% more. For most Americans, it is
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Also, the advent of smartphones has made spending easier. You don’t need to carry cash to buy anything…just open your Amazon app and order what you want. I order my groceries online. I even recently heard about an app that allows you to buy your car online.
Don’t let technology lead you into debt and chaos. There are many financial, banking and budgeting apps and tools that can help you. But you really need a budget. And if you’re serious about changing your financial life, what’s the best budgeting app?
But, let me tell you, you try the whole budget first. You spend countless hours preparing, tracking, and reviewing your budget. You have tried many apps and tools.
You probably started your business with enthusiasm, even excited about the prospect of achieving your financial goals. But you started small. You get Starbucks, you buy nice shoes, you eat less. Or maybe you’re having one of those “it’s been a rough day and I deserve a little pampering” days.
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Maybe you start paying more attention every day, and then it becomes every day. At the end of the week, you’re running out of time and your budget is out the window.
When it comes to budgeting, it’s easy to overthink yourself. “I wish there was an easier way to do it.” Uh, news flash. THERE
An app that combines digital payment technology with the old cash envelope method of spending (think Dave Ramsey). If you’re serious about changing your finances and your life, this is the best budgeting app out there.
No more money worries at the end of the month, no more tracking costs. You won’t see your dreams explode upon re-entry and disappear off the coast of Mexico.
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First of all, sign up for Qube Money. You get a Qube checking account, debit card, and access to the Qube Money app. Once you’re in the app, set up your cubes (they’re like envelopes in Dave Ramsey’s money envelope system).
These cubes represent your bills, savings, and spending categories. You can have grocery receipts, entertainment receipts, gifts, Amazon cubes, and credit receipts. After naming your cubes, you give each one a dollar value, a value that represents your budget for that category.
Like physical envelopes of money, Qube Money requires you to work for every dollar. Once you’ve budgeted for each category, you’re good to go. Then before you spend (every hour) you look at your budget and then spend deliberately,
If you stop to think before you spend, your money will feel real again. When you feel real about your money, your behavior towards money will begin to change.
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You will see how the Qube Money app can make it easier to achieve your budgeting goals. This is the best budget-friendly behavior change app.
Once your money is deposited into Qube Money, you will be asked to allocate your money to qubes. You can also configure the distribution process to run automatically in each budget period. It will make your life easier.
To spend from an expense receipt, you simply click on the balance of the receipt you want to spend, and the amount from the receipt is immediately applied to your debit card. After a transaction, the debit card will default to a zero balance and the transaction will be automatically approved. Tap another qube to spend again and that qube balance will be applied to your card. At the end of a budget period, you can configure each cube to automatically move to the next period. Or, you can put the extra money toward a savings goal (like paying off debt or another goal you’re working toward).
With billing, you can automate payments, subscriptions, and view transaction history in the app. You can also turn off subscriptions and automatic payments from your account at any time.
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Savings cubes show you your progress towards your key goals with absolute clarity. Let’s say you plan to go to Disney World as a family. You can budget amounts to be automatically deposited into your savings receipt each month. When you reach your goal, you turn your savings into a spending receipt. Then you’re ready to start making memories with your loved ones.
Does this type of budgeting seem too strict for you? Qube allows you to select a default open cube. As long as he has money, he is willing to spend. If you want to spend from another qube, just open the qube and your app will temporarily close the default open qube until the selected qube is closed. Qube also facilitates transfer of transactions from one qube to another. This is great if you want to manually sort transactions in a standard open cube.
As if the expense calculation method wasn’t enough, Qube Money provides budgeting for the whole family. Couples can join their accounts to create private cubes and shared cubes. Shared cubes have options like partner approval and partner notification so couples can work together on their financial goals. Partner approval requires in-app approval from both partners to spend or transfer funds. These permissions can be enabled or disabled per shared dome. Partner notification informs both partners in real time when the vault has been opened, how much has been spent and where it has been spent. Notifications can also be turned on or off. Think about how you manage money as a couple.
These partner permissions prevent you from achieving your goals, and they can save your marriage.
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Did you know that money is the number one cause of stress in America? Research shows that 7 out of 10 couples experience difficulty in their relationship with money. Not only that, but couples who argue about money at least once a week are 30 percent more likely to divorce.
If these numbers have you shaking in your boots, don’t worry. Qube Money helps you ensure that you and your partner are always on the same page when it comes to spending. You set your financial goals, and you can even respond to each other’s spending requests. Who knows? Maybe you don’t have to struggle with money.
Making money with your partner is hard, but making money with kids is hard. It can be more difficult. Your children will learn about money through you. They see your spending habits, hear what you say about money… and often adopt your money attitude. Teaching someone else how to manage their money is a big responsibility.
As we mentioned above, money is no longer real and tangible. Our kids watch us pay for groceries, shop online, and send money to friends…all on our phones. Even in Disneyland, they only need a wristband in their heart. They only see the ease of getting what they want, not the consequences of overspending and debt.
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Qube Money also eases the burden on the parenting department. This is the best budgeting app to teach kids about positive money management. Qube uses the same behavior modification method for our children’s accounts as it does for adults. Like a regular qube account, the kids’ account is designed to help kids think before they spend.
As part of our family features, we plan to offer families up to 10 baby cards and a ‘baby watch’ in the app. Features for kids include homework tracking, homework payment requests, and a similar budgeting system to Qube. Parental approval shapes your child’s understanding of money. With your guidance, they will learn how to save money effectively and when to spend it.
As your kids use the app every day, they’ll get hands-on financial education. Qube Money allows kids to learn healthy spending habits. These habits set them up to achieve their financial goals.
Qube Money takes the stress out of it with an FDIC insured account and built-in security features. Think about it. With Qube, you can’t freeze your account. Qube is the best budget app… really
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