Kukho i-app apha ngaphandle malunga nayiphi na injongo
Bhajethi . Ilizwi lenza abantu abaninzi besabe. Uhlahlo lwabiwo-mali luba neempendulo zokubambisana kunye nocelomngeni, kwaye luzisa engqondweni imifanekiso yokuzimela.
Iifayile zeprojekthi ze-software zesabelomali ayinakukunceda kakhulu ngokuzinyamekela-ingeniso yakho yintoni kwaye kwaye kuya kuthi usebenze ngaphakathi kwayo okanye uyitshintshe. Kodwa ezi zinto zikhethiweyo ze-software zingathatha isisombululo kunye nomngeni ovela kwinkqubo yohlahlo lwabiwo-mali. Bangakunceda ukuba udale kwaye unamathele kwisicwangciso senkcitho, kwaye ezininzi ziza kunye nezinye izinto ezintle kakhulu, ngokuxhomekeke kwizidingo zakho.
01 Ufuna iBhajethi (YNAB)
Uyaziwa ngokuthandana njengoYNAB, Ufuna uhlahlo lwabiwo-mali alukho nje uhlelo lokusebenza oludumile kakhulu lwezemali. Eyona nto iqulethe iqela layo elilandelayo.
Inguqulelo yangoku yee- pack ze- YNAB kwiinkalo ezininzi kunye nokuphucula ngaphezu kweenguqulelo zangaphambili, kwaye ifundisa ngokwenene ezinye iinkqubo ezizinzileyo zohlahlo lwabiwo-mali. Ihamba kwiWindows ne-Mac kwaye ibuyisela idatha ngokuzenzekelayo. Uhlahlo lwabiwo-mali luya kubelwa phakathi kwabasebenzisi abaninzi.
Kungenzeka kube yenye yezona zixhobo ezilula kunoko, kwaye ezinokuthi zenzelwe ukuba zilungiselelwe abaqalisi bokuhlawula imali. Ukuba uzame ukwenza uhlahlo lwabiwo-mali kwixesha elidlulileyo kwaye uyiphumelelanga, le nto ingaba yinkqubo kuwe. Ayinakugqithiswa ngolo hlobo oluninzi lweempawu ezingenakudinga okwangoku, kwaye ungabhalisela iikholeji kwi-intanethi kunye nomqeqeshi ophilayo ngokwenene xa ufuna uncedo. Ukungaphumeleli kuyinto engaphantsi kwenkqubo yokuba i-app iza kunye neqabane "elijongene nokuphendula" eliza kuguqula ifulegi ebomvu kuwe xa ulahleka kwisabelomali oyilelile.
I-YNAB yinkqubo esekelwe kwisiphequluli, kodwa inika iinkqubo ze-Android ne-iPhone ezivumelanisa idatha kwideskithophu yakho. Kubiza nge-$ 50 ngonyaka ngo-2017.
02 Iimvelo
Iipopu zibonakaliswe ngokupheleleyo kwi-intanethi ye-app yemali yenkxaso-mali eyisekelwe kwi-"yebhalophu yokubeka ibhajethi " -kubeka imali yakho kwiimvulophu, umaka imvulophu malunga nokuba yiyiphi imali, kwaye xa ithe yahamba, sele ihamba, ubuncinane kude kube hlawula. Awufanele ubolekise "kwi-envelope" xa i "mvuu" yakho imvulophu iphelile. Iimvilophu zenza iifomvu zakho zedijithali. Xa imvulophu yakho ingenanto, insiza iya kuyikhanyisa ebomvu.
Iiphampu ziquka iinkonzo eziphathekayo ze-Android kunye ne-iPhone, kwaye unokuvumelanisa kuzo zonke iibhanki zakho kunye ne-akhawunti yakho yeebhanki. Unokukhetha kwiinguqu zintathu kuxhomekeke kwiimfuno zakho zohlahlo lwabiwo-mali kunye nobuchule: i-Mvelopes, i-Coaching Coaching, kunye ne-Premiervelopment Premier. Iyokuqala ikhululekile, kodwa enye emibini ibhaliso-based.
03 Khangela
Akukho uluhlu lwemali yomntu siqu kunye neenkqubo zokusebenza zohlahlo lwabiwo-mali lugqityiwe ngaphandle kokukhankanywa ngokukhawuleza, kunye nesizathu esihle. Lolu hlelo lokusebenza ludlulisela ixesha elide lekhompyutheni-lusekujikelezweni olunye okanye olunye ukususela ngo-1983.
Oko kwathiwa, yinto edala yindlela. Ibeka umgangatho ngoko ke yenza zonke izinto ezisisiseko onokuzilindela ukuba usebenze uhlahlo lwabiwo-mali, kwaye lubenza kakuhle. Kodwa nangona i-Quicken ikuvumela ukuba uvumelanise ne-akhawunti yakho yasebhanki kunye ne-akhawunti yekhredithi, ayikukwenza ngokuzenzekelayo njengamanye ama-apps. Kufuneka uyibuze.
Ukukhawuleza akuyona inkqubo ye-Intanethi esekelwe kwisiphequluli. Kufuneka uthenge isofthiwe kwaye uyifake kwi-PC yakho okanye kwi-Mac. Ngokuxhomekeke kwinguqu ehambelana neemfuno zakho, uya kuchitha ukusuka kuma-40 ukuya kwi-120 kwi-2017. Inguqulo ye-Mac i malunga ne-$ 75. Kodwa ubuncinci amava akho womsebenzisi akayi kuba neentengiso kunye nokupapashwa kwezibhengezo.
04 Ingqungquthela
I-Mint yinto eyaziwa kakhulu neyaziwayo, kwaye ikwabelana ngeempawu ezininzi ezifanayo ne-Quicken. I-Intuit yakuba nayo i-Quicken, ngoko ithenge iMint ngo-2009-ngoko kufana. Kodwa i-Mint ihluke kwi-Quicken ubuncinane kwindlela enye ebalulekileyo: Ikhululekile.
Ewe, oku kuthetha ukuba kuya kufuneka ujongane neentengiso ezininzi, kodwa uzakufumana phantse zonke iinkalo ezifanayo ozifumanayo nayiphi na enye insiza. Ikuvumela ukuba uxhume kunye neebhanki yakho nababolekisi. Ithumela izilumkiso xa iibill zifanelekile. Ideshibhodi kulula ukuyiqonda nokuhamba.
Ukuba unoluhlobo olushushu ngokuchasene nesithintelo sebhajethi esingenakuguqulwa, unokuyithanda le. Akuyikhombisi isabelomali sakho kwiinqwelo zonke ezixabisekileyo, ngoko unako ukuguquguquka. Isikhalazo esivalelwe kukuba i-Mint "iyanquma" imiba ethile yebhajethi yakho kuwe, njengokuba ungakanani / ufanele uchithe kwizinto zokuzonwabisa ezisekelwe kwingeniso yakho. Kodwa unako ukugqithisa oku kungeniswa kwaye udale imida yakho kunye neendidi.
Kwakhona kuthiwa lixesha elide lokumisa, kodwa ukuhlengahlengiswa kwebhajethi kufuneka kume apha emva kokuba uphakame kwaye usebenze.
05 Bala
CountAbout isekelwe kwisiphequluli kwaye inikezela ezimbini iinguqulelo: Isisiseko, esona sifanelekileyo kwiimvovethi zebhajethi, kunye ne-Premium, eneentsimbi ezininzi kunye neengcingo. Iindleko zokuqala malunga needola ezili-10 ngonyaka ngo-2017, kwaye i-Premium iya kukuqhuba malunga ne-$ 40 ngonyaka.
Ukuba ufuna i-app edibanisa ngokuzenzekelayo kumaziko akho eemali kwaye ulandele ukuthengiselana kwakho, hamba nge-Premium version. Inikeza uxhulumaniso kwiibhanki ezingaphezulu kwe-12,000, ababolekisi, kunye nemirhurenti. Inqobo eyinqobo ikuvumela ukuba ungenise ukuthengiselana kwakho kwezinye iisayithi, kodwa uya kufuneka uhambe ngamanyathelo okwenza ngokwakho.
Umgca: Awukwazi ukuyisebenzisa le nkqubo ukuhlawula iindleko zakho kwi-intanethi. Iziphakamiso: Ngomnyaka we-2017, le yile nkqubo kuphela evumela ukuba ungenise idatha esuka kwi-Mint kunye ne-Quicken, kwaye inika amandla okulingana nokulawula utyalo lwakho.
06 Imali yoDaniso
Lolu hlelo lokusebenza lusetyenziso lwe-Quicken lwabasebenzisi be-Mac. Yenza konke okukhawuleza kunye nezinye izinto zokusebenza ezikunceda, ukukunceda ukuba uhlele uhlahlo lwabiwo-mali kunye nee-alamu zomsindo xa iindleko ziza ngenxa. Kukuvumela ukuba wenze amashadi kunye negrafu ukukunceda ukulandelela imali yakho. Ikhasi lasekhaya liyi-snapshot epheleleyo yeemeko zakho zezimali zangoku.
Kwakhona zenza izinto ezimbalwa ezingezona zonke iiprojethi zeebhajethi zomntu. Umdaniso weMali ugcina ukulandelwa kotyalo-mali lwakho, kwaye ikwazisa ukuba utshintsho lweenyanga lufanelekile. Kungenzeka ukuba akufaneleki ngabaqalile ukuhlawula isabelomali, kodwa kuninzi ukunika abaphathi bezemali abanamava. Iindleko malunga ne-$ 50 ukuya ngo-2017.
07 LearnVest
Lolu hlelo lokusebenza ludinga utyalo-mali olusenyakatho kwaye mhlawumbi lukhulu kunomlinganiselo wesabhajethi wokuqala. Ewe, kubandakanya zonke iinkqubo eziqhelekileyo zolawulo lwemali, kodwa lujolise ngakumbi ekudaleni nasekugcineni isicwangciso semali esipheleleyo.
LearnVest liquka amathuluzi okutyalo kunye nokufikelela kumcebisi ukukunceda xa unemibuzo. Uza kuhlawula malini na konke oku? Ingqungquthela ye-Premium i malunga ne-$ 300 ngaphambili ngaphambili ngo-2017, kwaye uya kuhlawula i-$ 20 ngenyanga ngenjongo yokubhaliselwa kwewebhu kwi-top.
08
Iprogram yesofthiwe, i-Personal Capital iyithandwa kakhulu kwaye inika ezininzi iimpawu ezenza kube lukhetho olufanelekileyo malunga nabani na.
Isixhobo sokuhlawula imali esikuvumela ukuba ungenise ukuthengiswa kwii-akhawunti zakho, njengabanye abaninzi. Ngelishwa, ayikuvumeli ukuba wenze iindidi zebhajethi zakho. Unamathele uluhlu lwenkqubo olunikezelayo. Oku kungadinga ukuhlaziywa okuncinci-apho ungabambelela khona indleko yokugcina i-aquarium yakho yelizwe? Emva kokuba ufumene phantsi, kunjalo, unokwenza amashadi amaninzi kokusetyenziswa kwemali kunye nokulondoloza nokuthelekisa uhlahlo lwabiwo-mali ukususela ngeveki enye okanye inyanga enye ukuya elandelayo. Kwaye i-Personal Capital nayo inesidashboard esesabekayo.
Lolu hlelo lokusebenza lufaneleke kakhulu kwabo bafuna ukukhulisa ubutyebi babo. Igcina umkhondo wexabiso lakho kwaye iquka izixhobo zokutyalo-mali eziza kukuvumela ukuba uhlole i-Dow Jones kunye ne-S & P 500, kwakunye nokutshintshana okuhambelanayo kwiindawo zakho zokubamba. Kuye kulandelela iifizi ezihlawulela kubathengi kwaye ziya kukubethela ehlombe xa ziqala ukubonakala ukuba unokuba ufuna ukukhwela ibhajethi ethile kwaye ucinge ngokubeka imali yakho kwenye indawo.
Okumangalisa kukuba, le nsiza ikhululekile, nangona ungathenga i-premium version yokunyamekela okwenziwa ngabanye.
09 Acorns
I-Acorns ifana nomzali osisilumko, okhuselayo kunomsebenzi wohlahlo lwabiwo-mali. Kuhle kakhulu. Iyakusindisa ngokwenene kwaye ithengise utshintsho lwakho lokusindisa. Uyifumana ... i-acorns ikhula ibe mioki enamandla.
Lolu hlelo lokusebenza lulandelela ukuthengwa kwekhadi lakho lokuthenga ngetyala kunye neebhanki kwaye ubajikeleze ukuya kutsho kwidola elikufutshane, ngoko liba nemali eyahlukileyo kuwe kwimali yokuthengiselana ngokukhuselekileyo kwiphothifoliyo enye ekulungele ukuyenza. Ukuba uchitha i-$ 69.20 kwivenkile, i-Acorns iya kutshintsha ngokuzenzekelayo iikopi ezingama-80 kwi- ETF yakho. Kwenzeka njani ukuba kulungiswe ukungenabuhlungu?
Mhlawumbi awuyi kuphinda ulahlekelwe imali kwaye awunakuze uchithe imali yakho yokugcina ukulondoloza insiza. Kuphela kubiza i-$ 1 ngenyanga ukuya kuthi iphothifoliyo yakho ixabise i-$ 5,000, ngoko ibiza i-0.25 pesenti ye-balance balance. Ukuba kwenzeka ukuba ungumfundi wekholeji, ikhululekile. Ukwahlula oku ku-$ 30 ukuya kwi-180 kwinyanga e-Acorns ibanga ukugcina kubhalisi ngamnye.
Awunagxininiswa ekutyaleni kuphela "loo majikelezo" nokuba. Unokutyhala enye imali ngokusebenzisa i-app kwakunye, ukufikelela kuma-30,000 weemali. I-Acorns isekelwe kwiwebhu kwaye iyafumaneka kwi-iPhone nakwi-Android.