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Budgeting is one of the most important concepts of financial literacy. Budgets force people to spend within their means and show where money can be saved. Creating and sticking to a budget can save anyone hundreds of dollars. Creating a budget is fairly easy. There are countless ways to set one up, whether it be through an app, a spreadsheet, or a simple scratch piece of paper. However, sticking to a budget is a different story. Keeping track of how much you spend and what that money is going towards requires a bit of work and discipline. What if there was an app out there that forced you to stick to this budget? Enter Qube Money.

You’ve stayed up until midnight, watched the ball drop, and said a great big “Bye Felicia!” to 2020. A new year can feel so refreshing. It's a great time to ditch bad habits and set new goals. Perhaps you’re going to level up that fitness game, read more, set healthy boundaries, or (fingers crossed) travel more. While you’re swearing off procrastination and vowing to declutter closets, consider adding a few financial resolutions to your list too.

Choosing to continue your education is the first step towards accomplishing your career and personal goals, but there are challenges. Perhaps this is the first time you are on your own managing your personal finances and you have many questions as to where to get started. However, getting financial education and appropriate tools now will assist you in creating good habits and achieving lifelong successful financial outcomes.