For starters, you get a routing number and account number for your envelope system, meaning you can use it with online purchases (canвЂ™t do that with physical cash envelopes!). There are quite a few pros to using this system. As you fill up each Qube, itвЂ™ll automatically tell you what you have left in your overall Qube account to fill the remaining Qubes up with.Create your personal вЂњQubesвЂќ (you can think of these as your physical cash envelopes), and then deposit money into each Qube.You transfer money from your bank and/or joint accounts to this app (all Qube accounts are FDIC insured by our sponsor bank, Choice Financial Group up to $250,000).Receive a card to use with the app so that you donвЂ™t need to carry around cash to the envelope budgeting system вЂ“ the card will вЂњdebitвЂќ the amount from the category you want to spend in (couples will each receive their own card).Then the primary user sends an invite to their partner to join their account (with the beta joint accounts). Choose one person to be the primary money manager, and each of you creates an account.With this app, you and your partner can both use envelopes digitally, and will be notified with the otherвЂ™s spending, as well as how much is left in that particular category (вЂњQubeвЂќ) to spend. This app offers a digital cash envelope budgeting systemвЂ¦with some seriously great coupleвЂ™s budgeting functions ( available in beta testing right now вЂ“ you can sign up for an account and then ask them to let you in). Best Cash Envelope Budget App for Couples вЂ“ Qube MoneyДo you use the envelope approach to budgeting? Meaning, you keep envelopes for different categories and fill them with a certain amount of cash to spend? Let me share with you the best couples budget apps that will not only take out a lot of the nagging undertones of money-related texting, but will help you both see your bigger financial picture so that you can make better financial decisions.ДЄnd we'll start with my top pick for couple's digital cash envelope budgeting. Best Couple's Budgeting Apps вЂ“ Honeydue App Review Best Cash Envelope Budget App for Couples вЂ“ Qube Money Yes вЂ“ imagine your budget, spending plan, current checking account amount (if you have joint financial accounts), updates on your retirement dreams, and progress on your couple's money goals being available at the touch of EITHER of your fingertips, anytime you want it.ДЇinances synced between spousesвЂ™ phonesвЂ¦sounds about heavenly, right? Let's check out these awesome couple's budgeting tools. Different money philosophies that lead to arguments (like one person being a вЂњsaverвЂќ and the other person being a вЂњspenderвЂќ)Дid you know that you can make budgeting for couples a bit lessвЂ¦ annoying?.Choosing to separate finances (which is fine), but then not figuring out a way to still work on couple's money goals together.

Disagreeing on how joint money should be spent.

Not checking in with each other, or a joint account, before one partner goes grocery shopping or spends money online.

Trying to manage money with a partner who has different spending habits than you.Other common couple money management problems include:

Best personal budget