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The #FLM2021 Challenge

You don't have to start large to get on the savings path. Even small steps can make huge differences down the road.  To help you get on the path to saving, Bromwich+Smith has partnered with QUBER, an app that helps you save money and offers incentives to help your savings grow.

The QUBER app will automatically withdraw money from your bank account (like a pre-authorized debit), based on the frequency and amount you choose, and set it aside. This can be a great way to create an emergency fund, save for a special purchase, pay for school or save for your future. 


Can You Save $150 over 3 months? If so Bromwich+Smith will add another $10 to your account. 

Sign up for monthly or bi-weekly withdrawals. Enrollment Period - November 1 to 30th, 2021



  1. Click here to Download the QUBER app
  2. Register and complete the onboarding steps.
  3. From the Main Menu, go to Challenges.
  4. Select the Bromwich+Smith challenge.
  5. Set your savings preferences and start saving. 

By adding the #FLM 2021 saving challenge you are automatically enrolled in the #FLM2021 Save to Win contest.


Contest Period: Nov 1, 2021 00:00:00 AM ET to January 4, 2022 23:59:59 PM ET
Draw Date: January 18th, 2022
Prizes:  1 prize of $100.  
Only users who join the #FLM2021 saving challenge are eligible for #FLM2021 Save to Win.

Save to Win ballots are awarded to users based on their Vault growth in multiples of $20. The amount of ballots a user earns during any contest period is based on the total amount they hold in their Vault at the end of that period minus the total amount they held in The Vault at the beginning of the period. Savings must then remain in The Vault until after the draw in question is complete to be counted as ballots.

Users can also earn one extra Save to Win ballot every time they read Bromwich+Smith content or watch Bromwich+Smith videos from within the QUBER app. You'll earn only one ballot per content/video.

Save to Win is a random name draw and requires no action on the part of the user. The winner will also be required to correctly answer a skill-testing question in order to claim their prize. If Bromwich+Smith/QUBER is unable to reach the winner of a Save to Win prize within 72 hours of their initial notice, Bromwich+Smith/QUBER reserves the right to consider that prize forfeit and may award it to another user. This user would be selected by holding a second randomized draw.

Save to Win is open to all residents of Canada excluding residents of Quebec. The winner of the draw acknowledges Bromwich+Smith/QUBER right to publish his/her/their name, city of residence and picture without compensation other than the prize itself. The winner will be announced to the public by Bromwich+Smith/QUBER on its social media platforms, its mailing list and on our website. Though Bromwich+Smith/QUBER use Facebook, LinkedIn, Instagram and Twitter to promote Save to Win, these platforms have in no way endorsed this contests.

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