#Wii super mario galaxy 2 how to
#Wii super mario galaxy 2 full

What is Qube app and how will this help me? So instead of setting up a separate checking account for spending money, I am now teaching (and using) Qube to track my spending as a digital cash envelope banking account. I like to set up my Qube Money Qube’s to use as my Spending Account. And a cash envelope mentality can help to save you the headache and repercussions that come with over-spending. When it’s all said and done, your spending account is where the real action happens. That said, chances are you won’t be able to change your behavior and shave much off your gasoline or rent bills every month. Let’s just say that there’s a lot of decision-making that can play into your miscellaneous spending every month. When you begin to think of your expenses as pulling from one of these accounts, you’ll find quickly that a couple of categories are more flexible than the others.

Sinking Funds (your savings toward Christmas expenses, back-to-school clothes, birthdays, or other money-drops that you can plan for).

Debt (minimum payments toward credit cards, student loans, your car, or any other debt that applies).

Spending (anything you spend that fluctuates from month to month– groceries, gas, personal care, clothing, you name it).

For you, maybe this includes your water bill or quarterly taxes)

Quarterly Bills (I call this the “oh crap” category, catching any costs that crop up periodically throughout the year.

Bills (your cell phone, electricity bill, Netflix, or rent, to name a few).

In my Crush Your Debt Academy, I walk you through the process of opening five bank accounts to organize your spending: We all have the best intentions when starting a new habit, but when you’re out on a shopping trip, it takes diligence to pen down and math out each transaction.

Finally, writing transactions down is a pain (at best) and maybe doesn’t even happen (at worst).

Splitting your finances with your significant other when you are using cash can be very difficult.

Moving money between budget categories requires physically shuffling the cash: I get it if you don’t want to do this in the passenger’s seat of your car or at a retailer’s point of sale.

Parting with your cash, while an effective method of saving more money, can be a messy business– especially if you’re standing in an epic grocery line or a crowded public place.

The envelope system is unwieldy, and sometimes you don’t want to tote a dozen envelopes everywhere you go… or fish through your purse for the “clothing” envelope at the checkout counter.

This requires a trip to the bank or ATM, usually– unless you happen to be paid in cash.

First, you have to GET the cash to start with: every week, every month, or at each paycheck.

There are definite drawbacks when using cash, here are some of the major ones that I’ve encountered over the years: I even have a cash envelope system wallet, which I LOVE, but that even doesn’t keep me excited about using cash.

#Wii super mario galaxy 2 how to

So why did I switch to Qube Money? After using cash envelopes for 18 years and teaching you all how to budget using cash envelopes for over a decade – I started getting sick of it. I decided to try something new this year. Why– especially when this is such a tried-and-true method? Because there are so many drawbacks and fears when it comes to switching to a cash-only budget. But an equal number cringe when I tell them about the envelope system. Loads of the women I’ve helped will rave about how quickly their spending is under control once they switch to cash. This system forces you to make real decisions based on the money you have in hand, rather than on an idea of what you’d like to spend. I LOVE cash envelopes, and there are so many reasons why. You acknowledge the cost of something and fork over the bills. It’s nearly impossible to argue with cash because you have to spend it very consciously.

#Wii super mario galaxy 2 full

In this post, I am going to walk you through why I switched to using Qube Money instead of using cash AND give you a full Qube Money Review.

I swore by using cash until….I found Qube Money. Why? Because it puts a “hard stop” on those budget categories that tend to fly out of control when you’re using plastic. I swear by using cash– and ONLY using cash– when you are working on getting out of debt. I’m not the only financial coach who swears by the cash envelope budgeting method.