Xa kuziwa kwiinjongo zakho zokulondoloza, kukho iinkonzo ezininzi ze-iPhone ne-iPad ezikhoyo ukukunceda ukuphatha iindleko zakho, uhlahlobe imali kubomi bakho, kwaye ugcine umkhondo wemali oyigcinile, ezininzi zazo ezibonelela ngenkonzo eninzi kubandakanya ukugcina imali izibalo, ukulandelela iinjongo ezininzi, kunye neengcebiso zokuchitha imali encinane nokubeka ngaphezulu ixesha elizayo.
Kungakhathaliseki ukuba uyasindisa imoto, iholide, okanye izipho zeeholide zabahlobo kunye nosapho, ezi zixhobo ezinoncedo ziza kukunceda ubeke kwaye ufikelele kwiinjongo zokulondoloza, unikezela ngezixhobo zendlela ekusebenziseni indlela yakho ekufezekiseni iimfuno zakho zemali.
Phakathi kwezona zixhobo ezilungileyo ze-IOS ezitholakalayo kulolu hlobo lokulandelwa kwenjongo yokulondoloza luquka iMint, i-DollarBird, iKapital, neMali yeBhokisi, nganye leyo inika iinkcukacha zayo ezongezelelweyo kunye ne-interface yomsebenzisi ekukunceda ukulawula i-akhawunti yakho okanye i-akhawunti yakho. Funda ukuze ufumane okungakumbi malunga nale nkqubo nganye ukuze ukhethe okulungileyo kuwe.
01 Ingcaciso
I-Mint ivumela abasebenzisi ukuba babone umfanekiso opheleleyo wobomi babo bezezimali, bezisa yonke into evela kwiintlawulo zemali kunye nokulandelwa kweendleko kwiibhajethi kunye nezikolo zemali-mboleko ndawonye kwindawo enye. Ngokudibanisa i-akhawunti yakho yasebhanki, amakhadi ekweretyala, amatyala kunye notyalo-mali kwiprogram, unokufumana umxholo wento yonke kwaye uqale nokucwangcisa indlela yokubeka eceleni imali eyongezelelweyo yokufumana ikhefu ekhethekileyo okanye isipho osoloko ufuna.
Ebizwa ngokuba yi-"50 Apps Best of the Year" ka-2016, i-Mint iyinzuzo enkulu yokufumana inkxaso yezemali kunye nabafundi abasanda kuphumelela kwiikholeji ngokufanayo, kwaye unokukwazi ukuvumelanisa inguqu yakho yeselula kwi-intanethi ye-app ukuze ulawulo olungcono lwabo bonke akhawunti zezimali.
02 Dollarbird
I-Dollarbird "ikhalenda ehlakaniphile yokusebenzisana nemali yakho nge-spark ye-AI," ngokubhekiselele kwingcaciso yayo yaseburhulumenteni ye-iTunes, evumela abasebenzisi ukuba balandele umvuzo wabo kunye neendleko kwiikhalenda eziphathekayo ukucwangcisa kangcono ikusasa labo lokugcina imali.
Ngokutsho kwe-TechCrunch, "I-Dollarbird inengqiqo kunoma ubani ofuna ukugcina iso elithe xaxa ekuphumeni kwayo kwemali ngenjongo yokucwangcisa imali engcono" ngokubonelela nge-e-calendary-based interface apho abasebenzisi bangakwazi ukulandelela kunye nokubonwa ngolu hlobo lwemicimbi yezimali, i-AI efunda ixesha lokubeka bhetele iindleko kunye ne-calculator balance calculator ezinika ulwazi malunga nokuthengiswa kwangaphambili nokucwangcisiweyo.
Unokukhetha kwakhona iimpawu ze "Pro", ezibiza indleko yenyanga okanye yonyaka kwaye unikezela abasebenzisi ithuba lokuba basebenzisane kunye nosapho okanye amalungu eqela kwiikhalenda ezi-20 ezahlukeneyo.
03 Qapital
Ukuba awukho omkhulu uhlahlo lwabiwo-mali okanye uyisindise ngokwakho, i-Qapital inokuba yinkqubo yakho. Akukuvumeli kuphela ukuba ulandele inkqubela yeenjongo zakho zokulondoloza, kodwa i-Qapital ibeka imali eceleni kwakho, ngoko akufanele ucinge ngako!
Indlela ekujoliswe kuyo yeQapital ivumela abasebenzisi ukubeka imali kunye neenjongo zokulondoloza kunye neendlela ezizenzekelayo zokugcina ezi njongo. Ngokudibanisa iibhanki zabo zebhanki kunye nekhadi lekhredithi, abasebenzisi bangasetha imigaqo yokuchitha imali yabo njengokuthi "bajikeleze yonke into yokuthenga kwiidola elisondeleyo kwaye ulondoloze utshintsho" okanye "gcina umehluko xa ungena ngaphantsi kwebhajethi kwisitolo sevenkile," obeka ngokuzenzekelayo imali "eyongeziweyo" kwi-akhawunti yokugcina.
I-Qapital igcina yonke le mali kwi- akhawunti ye-FDIC- Incedisi-igcwaliswe ngeakhawunti yokujonga ngentshisekelo kunye neKhadi le-Qapital Visa Debit Card -ngokuba unokutshintshisa kalula kwi-akhawunti yakho yebhanki okanye ukuyisebenzisa ukuhlawula iindleko ze-intanethi, ukukhupha idipozithi ngqo, kwaye ubhale i-e-checks.
04 Ibhokisi leMali
Ibhokisi leMali, elifumanekayo njengenguqu ekhutshwe kwi-intanethi okanye inguqulo evuliwe yenkqubo, unikezela abasebenzisi ithuluzi elilula ukulandelela inkqubela phambili kwiinjongo zokulondoloza imali-konke okufuneka ukwenze kungena kwesihloko, umlinganiselo, umhla wokujolisa, isicwangciso sokulondoloza kunye nezikhumbuzo kunye nawe xa usendleleni eya ekukhuselekeni kwemali noxolo lwengqondo.
Ukubonisana ne-interface enembile, edibeneyo, iinketho ezininzi zemali, idatha ekhuselekileyo ye-encrypted, kunye nenkqubela kunye neenjongo zesikhokelo kunye nezikhumbuzo, le nsiza iphelele kumcwangcisi wezemali oqhelekileyo nje efuna ukubeka eceleni imali ethile isipho esikhethekileyo okanye iholide.
Nangona iinguqulelo yamahhala ifike ngeentengiso kunye nokukwazi okulinganiselwe ukulandelela iinjongo enye ngexesha, unokuhlawula kwaye ulande inguqulelo yeprogram ukulandelela iinjongo ezininzi, ukuphelisa iintengiso kunye nokuvula iintlobo zezinye iimpawu kubandakanya ababalawuli bemali kunye nohlahlo lwabiwo-mali izixhobo.