Qube Money: Envelope Budgeting

Then they lost their bank partnership for an undisclosed reason and now it’s a lot of manual labor. I’d rather just keep physical envelopes of cash instead if I have to track everything manually anyway.

First and foremost I am aware that Qube is in beta and making changes. I do not expect it to be fully polished or bug free. My wife and I have loved using Qube to budget and save money. I know the Qube team has had to make a lot of adjustments to the budgeting system due to changes in banking partnership. We have been eagerly waiting for Qube to be back up since the service had to pause and make changes. Now that it is back and in beta we have been testing it out. Originally, your money would be stored in Qube, you would allocate it between envelopes (Qubes), and you would select one before it would let you spend on your Qube card. It was intuitive, easy to use, and effective for budgeting. Now without a banking partner Qube is unable to have money stored in the app. You report transactions manually based on your spending between debit and credit cards. These new steps and changes have been a point of frustration for us. I have been trying to take time learning the new system. I am fairly tech literate but have been struggling to budget with this the same way I used to. As a customer, it’s hard to not compare the new system to how it used to work. It has been a little disappointing because the way it used to work was the perfect budgeting solution for us. Are these just growing pains? We will find out. The team has proven they can make something great, so I feel it is worth keeping up with the progress of this beta.