Finally, use the cash from your credit card qube to pay off your credit card balances.īest for: Fans of a zero-based budgeting technique and manual spending trackers. Then, make another qube called “Credit Card Spend.” When you use a credit card to spend money from any area of your budget, manually transfer those funds from their original qube into the Credit Card Spent fund. $600 for groceries, $400 for gas and $250 for dining. First, create “qubes” with your monthly variable spending goals, e.g. Here’s how to use the app’s spending tracking while still paying with credit cards. However, you can use a workaround to pay with your credit cards instead - a smarter choice than debit cards in many (if not most) cases, especially where fraud protection is concerned. Your Qube Money account pairs with a debit card that you must “unlock” before each use. The app is available in both a free version and a premium version for $6.50 per month if billed annually or $8 per month if billed monthly. It’s an online bank with a digital money management platform. Qube Money is more than a money management app. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. This makes it easier to stick to your monthly spending goals and figure out which cards you should use for which purchases to maximize your earning. Not only can you view how much you owe on each of your accounts, but you can also track the purchases you make by category. Our very own The Points Guy app provides a free and easy-to-use platform that lets you track all of your credit cards in one convenient place. Thankfully, many apps are available to help you see all of your credit card activity at a glance, and then some. Whether you have a single account or many credit cards, it’s wise to set up a system to track your spending so you can stay within your budget each month. When you track your spending correctly, your credit cards can provide you with another helpful perk - an easier way to manage your money. Read on for four expert tips that can help you keep tabs on your credit card spending and payments. ![]() ![]() You need a consistent, easy way to track your credit card usage - especially if you have multiple accounts. The secret to accomplishing these goals comes down to a sound budgeting system. It goes without saying that you need to pay your credit card bills on time and in full every month to get the most out of your accounts (and to avoid damaging your credit score). On the other hand, if you don’t responsibly manage your cards, bad financial habits could hurt you. When you use them wisely, your credit cards can protect you from fraud, earn you valuable rewards like cash back and points toward travel and help you build a good credit score over time. Credit cards can be powerful financial tools.
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