Izixhobo zemali zomntu ezenza kube lula ukubona indlela ochitha ngayo
Ukuba udinga uncedo lokuphinda usebenzise imali yakho kwaye ufumane iimali zakho zomntu phantsi kolawulo , iprogram yohlahlo lwabiwo-mali ingaba yiloo nto oyifunayo ukuba ufumane umkhondo. Kukho ezininzi iinkqubo zebhajethi zokukhetha kule mihla. Ulawulo olutsha lwemali kunye neenkqubo zokusebenza zohlahlo lwabiwo-mali luvela emva kweeveki ezimbalwa kubonakala ngathi, ke ukucima izindlu ezingekho kakuhle kwaye kugxininiswe kwii-apps ezifanelekileyo zebhajethi zingaba nzima. Senze umsebenzi onzima ngawe ngokwenza uluhlu lwezinhlelo zokusebenza ezibhekiselele kuhlahlo lwabiwo-mali namhlanje.
01 Eyona ndawo iphezulu: i-Mint
I-Mint ingenye yezona zixhobo ezindala kwaye ziyaziwa kakhulu. I-Intuit, inkampani efanayo eyenza i-Quickbooks kunye ne-TurboTax, i-Mint inikeza uluhlu lwezinto eziza kukunceda ukulandelela nokulawula imali yakho kuluhlu olukhulu lweebhanki, abakhishwe ngamakhadi-khredithi, ama-brokerages, ababolekisi kunye namanye amaziko emali.
Iza kunye neendidi ezahlukeneyo zeempawu, kodwa iyona nto iluncedo isoloko ikhona izixhobo zayo zebhajethi, eziphambili kunye neziko xa ungena ngemvume. ukwenza ngokwezifiso zakho iimfuno. Qaphela xa uhamba ngesabelomali, kwaye ulandele ngodidi okanye ujonge ukuhamba kwemali yakho yonke ukuze ufumane umfanekiso ogcweleyo apho imali yakho iya khona inyanga nganye.
02 Eyona ndlela ihamba phambili yokugcina ukusuka kwiiNdawo eziPhezulu: PocketGuard
Njengoko igama lithetha, i-PocketGuard inokukunceda ekulondolozeni imali eninzi. Uhlelo lohlahlo lwabiwo-mali ludibanisa nazo zonke iakhawunti zakho zezimali kwaye kukunceda ukulandelela imali yakho ngokuthelekiswa nohlahlo lwabiwo-mali kulo lonke inyanga.
Le nsiza yenye yezinto ezilula ukusetha nokuxhuma kwi-akhawunti yakho yasebhanki, kwaye ulandelela ingeniso yakho yenyanga, iindleko, iindleko kunye nokulondoloza njengoko uya. Lolu hlelo lokusebenza oluhlahlo lwabiwo-mali luyakunceda ukuba ulandele ibhilikhi nganye kwaye ufumane amathuba okugcina. I-PocketGuard ikhangele iindleko eziphindaphindayo kwiifowuni, iinkampani zeTV kunye ne-intanethi, umzekelo, kwaye kukunceda ufumane into engcono kwiindleko zenyanga zenkonzo. Akukona nje ukukunceda ukulandelela uhlahlo lwabiwo-mali, kukuncedisa ukunciphisa imali yakho!
03 Eyona ngcono ngohlobo lwe-A Personal: Ufuna uhlahlo lwabiwo-mali
Uyakudinga uhlahlo lwabiwo-mali olulandelayo lufana nolwabadlali abalandeli abanokufa ababhekiselele ngothando kwi-app njengoYNAB. I-YNAB ithatha indlela ekhethekileyo kwiinkqubo zebhajethi. Kunokuba uthembele kwiibhakethi zendabuko, uyakha ibhajethi yakho ngokusekelwe kwingeniso yakho, unike i-dollar yonke umsebenzi kwisabelomali sakho. Le mi sebenzi ibandakanya yonke into esuka kwiindleko zokuhlala kwiintlawulo zemali ukugcina imali kunye nokutyalomali. Ukushiya idola elingenakulinganiswa nemikhosi ocinga ngayo malunga nedola ngalinye ochithayo.
Uhlelo lokusebenza lukhulu kubantu okanye imibhangqwana esebenzisene kunye nokuhlahlo lwabiwo-mali. Inika zombini ii-desktop kunye nezixhobo ezihambayo, iindlela zokuvumelanisa ii-akhawunti zakho zebhanki ngokuzenzekelayo okanye ukungenisa iindleko ngokuzenzekelayo, kwaye zibandakanya umvuzo weemboleko kunye neempawu zokulandelela iinjongo zokukunceda ukuba ufikelele kwiinjongo zakho zemali.
04 Eyona nto ilungele ukuhlawula imali nje: Wally
UWally akuyona insiza elula ukuhamba ngokuthelekiswa nabanye abantu kuloluhlu, kodwa isebenza kakuhle into enye: uhlahlo lwabiwo-mali. Lolu hlelo lokusebenza lunceda ulandele ingeniso yakho, iindleko kwaye unikeze umfanekiso wesabelomali sakho esisele ukukunceda ukuba ugweme ukudlula imali.
Eyaziwayo kakhulu nge-Millennials, le app inkululeko yokuyisebenzisa kwaye ine-iPhone kunye ne-Android version (i-Android version ibizwa ngokuthi yiWally +). Enye inzuzo enkulu yinkxaso malunga nazo zonke iirhafu zelizwe langaphandle, okwenza kube yindlela engcono kulabo abahlala ngaphandle kwe-United States.
05 Eyona ndlela ifanelekileyo kwiCash Style Budgeting: i-Movelopes
Uhlahlo lwabiwo-mali luzibophelela kakuhle kuhlahlo lwabiwo-mali, uhlobo lohlahlo lwabiwo-mali apho ubeka imali kwiimvulophu kwiindidi zenkcitho ezahlukeneyo, kwaye xa nganye imvulophu ingenanto, uhlahlo lwabiwo-mali lwaloo nto lusetshenziselwa inyanga. Oku kunzima kakhulu kumakhadi kunye ne-debit amakhadi, kodwa i-Mvelopes yenza kube lula ukulandela ibhajethi yesitayela semali kwilizwe lebhajethi.
Ngelixa likhululekile, iiphampu zinikeza amandla okuxhuma kwiakhawunti zezimali ezingenamkhawulo kwaye ubeke uhlahlo lwabiwo-mali lwe-envelope ukuze usebenzise ukulandelela imali yakho rhoqo. Ngohlobo oluthile lwexesha-mali, uya kukwazi ukuba ungayithenga loo cappuccino okanye kufuneka ulinde uhlahlo lwabiwo-mali ukusetha kwakhona ngenyanga ezayo.
06 Eyona ndlela ihamba phambili kumabini: I-Goodbudget
Ngaphambili eyaziwa ngokuba yi-Easy Envelope Budget Aid, i-Goodbudget iyona ndlela efanelekileyo kwizibini ezithandayo ukwabelana ngenkqubo yabo yohlahlo lwabiwo-mali. Isebenzisa ifilosofi yebhajethi eqhelekileyo yokunika amandla amandla akho amabhajethi asebenzayo kuzo zonke iindleko zakho kunye nokuchitha. Ngenxa yokuba ungabelana kwaye uvumelanise uhlahlo lwabiwo-mali kunye nabalingani bebhajethi kulo lonke i-iPhone ne-Android, kubalulekile kwiibinibini ezineemali ezabelwana ngazo, kodwa kusebenza kakhulu kubahlalutyi bodwa.
Xa ukongeza intengiso entsha, unakho ukhetho lokufaka yonke into ebulala iinkcukacha kwaye udibanise iindleko kwiimvulophu ezininzi. Uhlahlo lwabiwo-mali lucandelo (olubizwa ngokuba yi-envelopes kwi-app) nge-10 ukuya kumahhala. Yongeza kwiimvulophu zakho ezivela kwingeniso yakho yonke imihla yokuhlawula kwaye uza kwazi ukuba uninzi kangakanani ekuthengeni.
07 I-Best App ifakwe kwi-Akhawunti yeBhanki: Elula
Ilula yinto engaphezulu kweprogram yohlahlo lwabiwo-mali, iyonke i-akhawunti yasebhanki ebuyisela i-akhawunti yakho yokujonga idala kunye neetoni zobuncwane obuncedo obukwakhelweyo. Xa uhlahlo lwabiwo-mali kunye nebhanki yakho buhlala kwi-app efanayo, kulula ukulawula nokugcina yonke into elawulwayo kuba unendawo eyodwa yokutyelela ukujonga nokulawula imali yakho.
Ilula imali yakho engenayo kwaye uchithe ngokuzenzekelayo, kwaye inomxholo wokukora ukukhuthaza ukugcina kwakho. I-brand ye-Safe-to-Spend® ichaza ukuba uyayifaka indlela yokuhlawula imali okanye ukuba imali iya kuchitha iiplani zakho. Ngaphandle kweemali, le yinto epholileyo kakhulu kwi-bhanethi kunye nohlahlo lwabiwo-mali.
08 I-Best Best for Investors: I-Capital Capital
I-Capital Capital inikeza isisombululo esipheleleyo sokutyalomali-mali, i-rob-consever hybrid kunye nenkonzo yomcebisi wabantu kwelinye. Kodwa ngaphandle kokuhlawula ipesenti, unokufikelela kwiDashboard ye-Personal Capital yokulandelela imali, equka ezinye izinto ezihlawulelwayo.
I-Capital Capital ibeke ubuninzi bokugxininisa kwicala lotyalo-mali lwezixhobo, ngokuhlalutya ngokukhululekileyo, ukuhlalutya ngokuzenzekelayo iimali zakho zotyalo-mali, iiklasi ze-asethi kunye nezinye iinkcukacha ezibalulekileyo. Ukuhamba kwemali kunye nezixhobo zohlahlo lwabiwo-mali akusebenzi nje ngokubanzi njengabanye abantu kuloluhlu, kodwa basebenze kakuhle ngokusebenzisa okulandelelanayo ngokulandelelana kokuthengwa kwiakhawunti ezixhunyiwe.