C++ :: Singleton Class For User Settings?

My current idea of how to work with user settings goes like this:

1. Create a class to hold all of the user settings.
2. Use that class to load/save/hold settings in memory.
3. Create an instance of that class once in the entry point of the program (int Main or whatever).
4. Pass, by reference this same class instance around to all of the other classes that need the user settings.
5. Once all other objects deleted, save and then delete the User Settings class.

I created a psuedo-code example below of this. My question is if this is the best way or should I be doing something else. In particular, I am wondering if somehow I can avoid passing the settings class by reference all of the time. Would this be a good case scenario for a "Singleton" type class?

#include <string>
class UserSettings {
private:
std::string SettingOne;
int SettingTwo;
bool SettingThree:

[Code] ....