Iinkonzo ozifunayo ukugcina imali nokulawula iibhilikhwe zakho
Kukho ininzi kunye neninzi yolwabiwo-mali kunye nokuphathwa kwemali zokusebenza (kunye neenkonzo!) Ngaphandle, kodwa emva kokuhamba malunga ne-20 yeendlela ezikhethiweyo, sesinqumle kwezi sixhenxe.
Ngamnye unamandla akhe kwaye siqinisekisile ukuba sikhankanywe kubo ukukunceda ukhethe okulungileyo kuwe.
01 ngo 07
Iintsimbi
Lolu hlelo lokusebenza, oluvela kubenzi be-e-filing site / software iTurboTax, lunceda ufumane umfanekiso ocacileyo wezo zonke iimali zakho kwindawo enye. Emva kokuba ubhalise, udibanisa zonke iibhanki zakho zebhanki, ii-akhawunti ze-investments kunye neakhawunti yamakhadi e-kredit, kunye ne-Mint inikezela ngokubanzi umsebenzi kunye nezilinganiso kubo bonke, kubandakanywa iigrafu ezichitha imali yakho kwiinqanaba. Ulwazi lwakho luvumelaniswe kwidesksi kunye nesefowuni yeselula, ngoko ke unokufumana umboniso ophezulu wokuhlawula amabhalansi akho kwiakhawunti yakho kungakhathaliseki ukuba yiyiphi iqonga elikhoyo.
Ngaphandle kokubonisa zonke iinkcukacha zakho zemali ezifanelekileyo kwindawo enye, insiza yeMint ikunceda ukuphatha imali yakho ngokubonelela ngebhajethi ngokusekelwe kwenkcitho yakho nangokunikezela ngamanqaku akho ekhredithi mahhala. Ufumana izikhumbuzo zeentsuku ezifunekayo zebhilikhi ezifanelekileyo, kwaye unokuhlawula iindleko zakho ngqo kwi-app yakho kwifowuni nakwi desktop.
Ngokuqinisekileyo, unokuba unqabile ukunika lonke ulwazi lwe-akhawunti yakho yezimali kwi-App ye-Mint, kodwa inkonzo isebenzisa amanyathelo okukhusela njengendlela yokuqinisekiswa kwezinto ezininzi ukugcina ulwazi lwakho lukhuselekile. Ukongeza, i-Mint isebenzisa i-hardware enee-multi-layered hardware kunye ne-software encryption ukugcina yonke i-info yakho yokungena kwi-akhawunti ehlukeneyo ye-akhawunti iphephile.
Eyona ndlela ihamba phambili:
- Uhlahlo lwabiwo-mali
- Ukuhlala phezu kweebhili
- Ukufumana umfanekiso ocacileyo wezempilo yakho jikelele
- Ukulawula imali yonke
Iindleko: Simahla
Iiplati:
- Android
- iOS
- Isiphequluli
02 we-07
Uyakudinga iBhajethi (YNAB)
Kukhangeleka ukuhlawula imali ekuncedeni ukuphuma kwetyala, kodwa Ufuna uhlahlo lwabiwo-mali (oluncitshiswa rhoqo kwi-YNAB) luninzi lwabalandeli abahlambalazayo malunga nokusebenza kwalo.
Emva kokuba ubhalise kwaye udibanise onke ama-akhawunti akho eemali, i-YNAB ikunceda uhlale kumkhondo ngokukunceda ukusekela iinjongo kwaye ugcine uthunyelwe malunga nendlela inkqubela phambili okanye ekude kuzo ezo njongo ziya kuphazamisa inqanaba lakho letyala. Njengamanye ama-apps kule nqaku, Ufuna uhlahlo lwabiwo-mali luye lwaphula imali yakho kwiitshathi kunye negrafu, kukuvumela ukuba ubone ukuba ungakanani uchitha kwizinto zokutya, ekhaya, "ukuzonwabisa" kunye nokunye.
Ifilosofi ye-YNAB yebhajethi kukuba ufuna ukunika yonke idola onayo umsebenzi, kwaye uyibeke ekusebenzeni ngokubeka phambili apho imali yakho ifanele khona. Ufuna i-desktop ye-desktop yoshicilelo-mali ifaka ubuninzi bezinto zokuncedisa ukuba ufunde kabanzi malunga nokunciphisa ityala lakho, njengamavidiyo eveki veki, iikhosi ze-intanethi, ii-podcasts kunye nokunye.
Iindleko: $ 4.17 ngenyanga, ihlawuliswa ngonyaka kwi-$ 50. Qaphela ukuba inkonzo iquka isiqinisekiso sokubuyisela imali xa ungazivakalelwa ukuba kusebenza kuwe, kwaye ufumana ilingo lemihla engama-34 njengomsebenzisi omtsha.
Eyona ndlela ihamba phambili:
- Uhlahlo lwabiwo-mali
- Ukuphuma kwetyala
Iiplati:
- Android
- iOS
- Isiphequluli
03 we-07
Ukucacisa Imali
Le yinye inxalenye eqinile yokuphathwa kwemali, kunye nesimo esivamile sokulandelela imali yakho kwi-akhawunti. Inika izixhobo ezimbalwa eziyingqayizivele, nangona kunjalo, njengekhono lokukhansela okubhalwe kwi-intanethi engafunekiyo (kunye nokubona nje ukuba yiyiphi imbuyiselo enayo yokuqala) ngenjongo yokonga imali. Ikwazisa kwakhona nayiphina imirhumo enokuthi ingathethathethwano, kwaye iyakwazi ukuxubusha ngokuzenzekelayo ngezinga eliphantsi egameni lakho. Ngokucacileyo, unokudlulisela imali phakathi kokutshekisha kwakho kunye nokugcinwa kweakhawunti ngokuthe ngqo kwi-app.
Ukuba unetyala, i-Clarity Money iya kunika neengcebiso malunga nendlela yokuyidibanisa ngamakhadi e-credit card, kwaye kungakhathaliseki ukuba unetyala le nkonzo iya kuphakamisa namakhadi asematyala angcono kuwe ngokusekelwe kwiimeko zakho zezemali kunye neendlela zokuchitha.
Enye into eyingqayizivele: Insiza ikuvumela ukuba usethe i-akhawunti yokulondoloza eya kuhoxisa ngokuzenzekelayo imali kwi-akhawunti yakho. Ngokubanzi, i-Clarity Money ibonakala iphila ngendlela eyaziwayo ngayo - njengommeli-mboleko-ngokunikela ezininzi izixhobo ezikhethekileyo, ezincedo. Qaphela ukuba ngexesha lokushicilela ixesha, insiza ayifumanekanga kwi-Android, kodwa inkampani yathi yayiza kwisiqonga kwikamva.
Iindleko: Simahla
Eyona ndlela ihamba phambili:
- Ukulawula imali yonke
- Ukugcina imali
- Ukucima imali echithayo
Iiplati:
- iOS
04 we-07
IAcorns
Lolu hlelo lokusebenza lunomgca wecatshulwa "utyalomali lwenguquko," kwaye kukunceda ngokwenza oko. Ukuze uqalise, udibanisa onke amakhadi kunye neakhawunti oyisebenzisayo ukuthenga nge-app, ngoko uchitha nje ngendlela oqhele ngayo. Uhlelo lokusebenza lwe-Acorns luzakujikeleza ngokuzenzekelayo ukuthenga kwakho kwidola elisondeleyo, kodwa kunokuba unike umrhwebi wenza ishishini ngemali eyongezelelweyo, iya kutyalomla utshintsho kwipotfoliyo engaphezu kwama-7,000 amasheya kunye nezibophelelo. Iingcamango kukuba ngokuhamba kwexesha, imali encinci yemali oyityalomayo ukususela kwisixa semali.
Ukongezelela ekutyaleni inguqu yenguqu ngokurhafisa intsebenzo yakho kwidoli elisondeleyo, unokuseka utyalo-mali oluphindaphindiweyo lwexabiso elithile lamadola kunye ne-Acorns. Oku kungenziwa kwimihla ngemihla, ngeveki okanye ngenyanga. Unako ukurhoxisa imali kwiakhawunti yakho nganoma naliphi ixesha ngaphandle kokuhlawulwa, kunye ne-app ngokuzenzekelayo uhlawulela imali yakho izabelo.
Insiza ye-Acorns ikhusela idatha yakho nge-encrypted ye-256-bit, kwaye ukhuselwe ukufikelela kuma-$ 500,000 ngokukhwabanisa, ngoko unokuziva unqabile xa usebenzisa le ndlela yokugcina imali / incedisi.
Iindleko: i-$ 1 ngenyanga (i-akhawunti ye-$ 5,000 okanye ngaphezulu ikhokhela i-0.25% ngonyaka, ngelixa abafundi bekholejini bechanekileyo .edu idilesi ye-imeyile fumana i-Acorns app mahhala)
Eyona ndlela ihamba phambili:
- Ukulondoloza
- Ukungena kutyalo-mali
- Ukwenza uninzi lwazo zonke iintengiso zakho
Iiplati:
- Android
- IOS
- Isiphequluli
05 we-07
Goodbudget
Ukuba uyazi kakuhle indlela yokuhlawula i-imvulophu - oko kubandakanya ukuhlukanisa imali kwiindidi ezahlukileyo zohlahlo lwabiwo-mali kwiifolophu ezihlukeneyo-isicwangciso esisetyenziswe yiNkqubo yeGoodbudget siya kuba nengqiqo kuwe. Ngokwenene, ucacisa inani elithile lemali ukuya kwiindidi zeendleko ezihlukeneyo, kwaye iprogram yeGoodbudget ilandelela inkqubela yakho kunye nokuba unamathele kangakanani kule mali echazwe ngaphambili.
Insiza ikuvumela ukuba ukhangele indlela oye washiya ukuyisebenzisa ngayo nayiphi na inikwe "imvulophu," kwaye inokulandelela ibhalansi yakho yebhanki ngokungekho kwiibhalansi zakho kwiindidi zeendleko. Enye into ebalulekileyo kukuba ukhetho lweeNkqubo zeGoodbudget luyakwenza, kubandakanywa ingeniso kunye nokusetyenziswa kwemali ngemvulophu kunye nokunye. Unokukhuphela ukuthengwa njenge- CSV (spreadsheet) iifayile kwiwebhu. Ngokwemvelo, yonke i-app yolwazi ivumelaniswa phakathi kwefowuni yakho kunye nedeskithophu, ngoko ke uza kubona ulwazi oluthe xaxa kwi-platforms.
Unokwabelana ngesabelomali nabanye njengamalungu entsapho, okubaluleke kakhulu ukuba ukhathazeke kakhulu ngokuhlala phezu kweendleko zendlu.
Iindleko: Ikhululekile, nangona i-premium ye-Goodbudget Plus i-premium version ifumaneka kwi-$ 6 ngenyanga okanye i-$ 50 ngonyaka. Inkokhelo ehlawulelwayo yeprogram iquka iiphepheni ezingenamkhawulo (i-app ezamahala ifanelwe ukuya ku-10), umlando wokuthengiselana ongenamkhawulo, inani elingenamkhawulo lamadivaysi kunye nokufikelela kwenkxaso ye-imeyile kunokuba uxhaswe ngumphakathi.
Eyona ndlela ihamba phambili:
- Ukudala nokubambelela kwisabelomali
Iiplati:
- Android
- iOS
- Desktop
06 we-07
Qapital
Ukuba ufuna ulondolozo loncedo malunga nenjongo ethile, i-Qapital inokuba yinkqubo yakho - okanye ubuncinane enye yezinhlelo zokusebenza kuwe. Uqala ngokucacisa injongo, njengeholide okanye ukuhlawula imali mboleko yomfundi, kunye ne-app inokukunceda ukuba ufake imithetho ehamba phambili engakunceda ekufezeni loo njongo.
Ngokomzekelo, ukuba ufuna ukugcina ikhefu eHawaii, sinqume ukuba uza kuyimfuneko ukwenzela ukuba ubeke eceleni ukuze uhambe, ngoko usebenzisa i-app yeKapital ukusekela izenzo ezinokuzenzekelayo ezifana nokujikeleza ukuya kutsho kwidola (kufuphi la App Acorns) kunye nokubeka ulwahlulo ekulondolozeni nokugcina imali ethile xa udalela ukuthatha. Ungenza ngokwezifiso inkqubo ngokudala imithetho yakho esekelwe kwimeko yakho, kwaye-unokubeka eceleni i-$ 25 kwisikhwama esitsha ofuna ngaso sonke isikhathi xa uhamba kwindawo yokuzivocavoca, umzekelo.
Emva kokuba uqalise ngeQapital, ufumana i-akhawunti yokukhangela kunye nekhadi lokudibanisa elibopha kwinkqubo yokulondoloza inkonzo. Ngoko i-Qapital inokusebenza ngokusemthethweni njengebhanki yakho, ngokukwazi ukutshintsha imali phakathi kwee-akhawunti, ukuhlawula iireki kunye nokunye, kwaye kungabi namali yenyanga.
Iindleko: Simahla
Eyona ndlela ihamba phambili:
- Ukulondoloza ngenjongo ethile engqondweni
- Ukuzenzekelayo inkqubo yakho yokugcina
Iiplati:
- Android
- iOS
07 we-07
Budgt
Insiza yeBudgt ithatha indlela enamandla ekuncedeni ukuba uceba ukuba ungaphila ngokukhululekileyo kwizinto ezahlukeneyo, kwaye uyakwazi ukugcina izinto ezintle zilula. Uqala ukungena kwiindleko zakho zemihla ngemihla kunye neenyanga kunye neengeniso zakho, kwaye u-Budgt uya kubala ukuba ungayisebenzisa kangakanani intsuku nganye.
Ngenxa yokuba uya kuhamba ngaphezu kwesixa esithile esithile kwiintsuku ezithile, u-Budgt uphinde uhlawule imali-mali ehlaziyiweyo ngokusekelwe kwenkcitho yakho ngenyanga leyo, ngenjongo yokukugcina isheke ukuze ungapheli ukulahlekelwa yimali xa uceba ukugcina imali ngenyanga.
Ufumana ulwazi olufanelekileyo xa usebenzisa i-app ngokuhamba kwexesha, njengolwazi kwiintsuku apho unako ukuchitha imali eninzi, kwaye uqikelele malunga nokuba imali iyakushiywa ekupheleni kwenyanga. Ungathumela idatha yakho yenyanga ngenyanga njengefayile ye-CSV.
Le ngenye yeenkqubo zokusebenza ezicacileyo ezichazwe kweli nqaku, njengoko linganikeli ngokubanzi uluhlu lwezinto ezifana nezixhobo ezinjengeMint. Ngaloo ndlela, u-Budgt mhlawumbi usetyenziswe kakuhle ngokubambisana nenkqubo yokulawula imali ngokubanzi ukuze ufezekise iinjongo zemali ezahlukeneyo.
Eyona ndlela ihamba phambili:
- Abo banemali encinci
- Uhlahlo lwabiwo-mali ngokubanzi kodwa ngokukhethekileyo uhlahlo lwabiwo-mali ngosuku lwemini
Iindleko: $ 1.99
Iiplati:
- iOS