Ii -apps ezilungileyo onokuthi uzikhuphele ukulawula iindleko kunye nokwenza uhlahlo lwabiwo-mali

Unyaka uqala emva kweKrisimesi kwaye ezinye iikumkani eziye zashiya iipokotho zethu zingenanto kwaye ziphela ishumi leminyaka kwaye ziqale entsha. Kodwa njengaminyaka yonke kwaye oku akutshintshi, uJanuwari yinyanga ephawuleka kakhulu kwiakhawunti yethu. Iintlawulo zonyaka, i-inshurensi, i-mortgages, umbutho weendleko zonyaka ... kubalulekile ube wethu Iiakhawunti zenziwe zaza zacwangciswa kakuhle kwithambeka ngoJanuwari ngezi apps ukulawula iindleko.

Usenokuba wenze isigqibo sakho soNyaka oMtsha ukuba sibe ngaphezulu ngolungelelwano kulo mba, kwaye njengoko hlengisa iindleko zakho kwaye ukuthatha iiakhawunti zakho zonyaka kusisiseko kwaye kubaluleke kakhulu, ndikushiyele uluhlu ezifanelekileyo izicelo ukuze ulungelelanise eyakho eyakho okanye eyosapho imali kwaye ngaloo ndlela wenze ubomi bakho bube lula. Ngoko masiqale:

I-Fintonic

IFintonic mhlawumbi yiyo inombolo yosetyenziso 1 kule ngxaki. Yenye yezona zinto zikhutshelweyo kakhulu, kwaye ngesizathu esihle (ibiyiyo yawongwa nguGoogle njengeyona app ilungileyo yezemali ngo-2015). Ikuvumela ulawulo zombini zakho indleko ndikucacela ngeniso, kuba inokudityaniswa nebhanki yakho yobuqu. Ngaphandle koko, unokwenza inkxaso-mali, ikuxelela ukuba kufuneka uhlaziye i-inshurensi yemoto yakho kwaye ukuba unayo ibhalansi eyaneleyo, ilawula kwaye ivumelanise i-akhawunti yakho, i-inshurensi, amakhadi, iimali-mboleko, iimali mboleko kunye neemveliso zotyalo-mali kunye nayo yonke into enxulumene noqoqosho lomntu.

I-Honeydue: i-app yezibini

I-Honeydue lusetyenziso oluhle kakhulu ulawulo nolawulo lweendleko zakho, kuba ikuvumela ukuba ugcine umkhondo wee-invoyisi zakho, iibhalansi zebhanki kunye neendleko, kwisibini. Kwaye lubabalo kwaye yintoni le app isekwe kuyo, ebomini njengesibini. Ikuvumela ukuba uthumele imali komnye nomnye, ibeka imida yenyanga kwinkcitho yosapho kwicandelo ngalinye kwaye ikuthumelele isaziso xa usondela kwinjongo ecetywayo.

Isipaji: imali, ibhajethi, umkhondo wezezimali

I-Wallet ikunceda ucwangcise kwaye ulandele uhlahlo lwabiwo-mali kunye neendleko, kunye nokukuvumela ukuba ulawule ngokusebenzayo imali yakho usebenzisa iimali ezininzi, iibhanki kunye namaziko emali.

Isicwangciso: lawula ireyithi yeselula yakho

I-Weplan ikuvumela ukuba ugcine i ulawulo Ngawe ukusetyenziswa kwedatha, iifowuni kunye neSMS yereyithi yeselula yakho. Ngokusebenzisa iigrafu, ikubonisa lonke olu lwazi, kwaye ikwathelekisa amaxabiso awohlukeneyo okuhlawula kwangaphambili kunye nekhontrakthi Ndikucebisa olona khetho lungcono.

Imali

IMonefy lusetyenziso lwe irekhodi yeendleko. Kufuneka wongeze indleko nganye oyenzayo. Kwanele ukongeza iirekhodi ezintsha xa uthenga into okanye umyalelo weteksi, kuyimfuneko kuphela ukugcwalisa inani.

UMphathi weMali, uMlandeli weNkcitho (uMphathi weMali)

Umphathi weMali, uMlandeli weNkcitho okanye uMphathi weMali (le yeyona ivakala ngcono ngesiNgesi ...) kukunceda ukuba ulandele umsebenzi wakho wezezimali ngendlela ngempumelelo. Yibane uyilo olulula kunye nengqiqo, okwenza kube lula ukuyisebenzisa. Enkosi kule app unokulawula iindleko zakho kwaye ulawule ubomi bakho bezemali. Kulula ukuyifumana kwiVenkile yoDlalo kuba iye kakhulu uphononongo oluhle.

Uhlahlo-lwabiwo mali oluKhawulezileyo-uMphathi weNkcitho

Le yenye app elungileyo ukugcina imali yakho phantsi kolawulo. Ikuvumela ukuba uphonononge iindleko zakho zemihla ngemihla kwaye ikuncede wonge. Inezixhobo ezahlukeneyo ezifana neekhalenda, iitshathi, kwaye ishwankathela iindleko zakho zenyanga.

Ikhatyhuleyitha yeVAT

Nangona kubonakala ngathi, bala iVAT yeendleko zethu zinokubalulekile, kwaye abantu abaninzi abazi ukuba makwenziwe njani. Ngesi sicelo silula, ungabala ngokungagqibekanga i-VAT yayo nayiphi na imali, kwaye kungekuphela nje iVAT yaseSpain, ukuba akunjalo. Ukusukela nakweliphi ilizwe.

Ukhenketho

Uhlahlo-lwabiwo mali lokuhamba: ukulandelela iindleko ngeTravelSpend lusetyenziso oluluncedo kakhulu xa kufikwa kulo iindleko zokulawula cheap ukuba sifuna yenza uhambo. Sisicelo esiluncedo kakhulu ukuba sihamba rhoqo, kuba ayifuni uqhagamshelo lwe-Intanethi, guqula ngokuzenzekelayo nayiphi na imali kwimali yakho yasekhaya, ikuvumela ukuba ubone ngeso lengqondo iindleko zakho kwaye uzihlalutye ukuze ukwazi ukuhlala kuhlahlo lwabiwo-mali lwakho kwaye unokukhuphela ngaphandle loo datha yeendleko zakho kwifayile ye-CSV (Excel).

1Imali - Iindleko, umlawuli, uhlahlo lwabiwo-mali

I-1Money yenye yezo zixhobo zikuvumela ukuba ulawule imali yakho ngendlela elula necacileyo. Awudingi ukwaphula intloko yakho ngokufaka idatha kwaye uzama ukulawula ngaphakathi kwe-app, kuba yayo uyilo lutsala amehlo y kulula ukuyiqonda. Yi app epheleleyo kwaye ikuvumela ukuba wenze naluphi na uhlobo lolawulo lwemali. Ikwanereyithingi entle kakhulu kwivenkile yeapp kaGoogle.

Umntu ohamba naye

Igqamile kwindlela yayo yosapho, kuba inesicwangciso seqela sokulawula iindleko zabantu abaliqela ngexesha elinye, kunye nenkonzo yabathengi elungiselelwe kakuhle kakhulu enolwazi olukhulu malunga nolawulo lwemali kunye neengcebiso malunga nokonga. Lusetyenziso oluvunywe ngamaziko anje Forbes okanye iNew York Times, kuthetha ngesimilo esikhulu sezoqoqosho.

Iindleko zemihla ngemihla: Izimali zomntu

Singazihlela zombini ingeniso kunye neendleko ngokweendidi, nokuba zimalunga nekhaya, imoto okanye izinto ezithengwayo ngoku. Olu lwazi lubhalisiweyo lunokukhuselwa ngeendlela ezahlukeneyo zokhuseleko, ukongeza kucwangciso lweengxelo ngamaxesha athile ngobume beeakhawunti zethu. Ukuba kuyadinisa ukungena rhoqo kwi-app, inewijethi enokubekwa kwidesktop.

Uhlahlo lwabiwo-mali lwam - Ukulawula iindleko

I-app esebenza kakhulu ebonisa yonke imisebenzi esiyenzayo ngemali yethu. Kwelinye icala, siphumelela ngolindelo enkosi kwicandelo layo kunye nemisebenzi elandelayo, kunye a iindleko zokucwangcisa kwikhalenda oko kusehlela kwiiveki ezizayo. Intetho ethi 'inkunzi yenkomo isibambile' iphelile.

Umthandi wemali

Zibekele iinjongo zazo zombini iindleko kunye nokonga, ukucwangcisa ukulandelela okusebenzayo kunye nezikhumbuzo, iingxelo kunye nezilumkiso. Ukongeza, i-app icebisa ukudibanisa amakhadi okuthenga ngetyala ukunika izaziso zeentlawulo ezizayo eziya kuhlawuliswa kwikhadi elifanayo. Icandelo layo lokucwangcisa likuvumela ukuba udale uhlahlo lwabiwo-mali oluhlelwe ngokweendidi, ukuze ibonise oko siye sakuchitha kuyo nganye yazo.

Ingxelo ye-Akhawuntingi

Isebenza ingcamango yokungena kabini, oko kukuthi, ibonisa kwi-akhawunti zombini imali esiyifake kunye nemali esiyichithayo. Ikwanjalo ikopi zokugcina ngefomathi ye-CSV, ukuvelisa iincwadi zokusebenza ze-Excel ezisivumela ukuba sibuyise lonke ulwazi lwethu kwaye singalahleki. Ukongezelela, kunokwenzeka ukucwangcisa ukudluliselwa kwebhanki kunye nomhla kunye nexesha, ukuze singayi kukulibala ukwenza loo ntlawulo ebalulekileyo.

iibluecoins

Inoluhlu lwemisebenzi efanayo njengoko sibonile ukuza kuthi ga ngoku. Nangona kunjalo, sifumana icandelo elingabonakaliyo kolu luhlu, elifana nenkalo yongqamaniso nezinye izixhobo zobuchwepheshe, ezifana nekhompyutha okanye ithebhulethi. Ukwenza oku, kuya kufuneka uzichaze ngeprofayili efanayo kuzo zonke izixhobo, ngoko ke zonke iinguqu esizenzayo kwisiza ziya kubonakaliswa ngendlela efanayo.

Izihluma - Ukulawula iindleko

Ukuba uvela kwelinye ilizwe okanye unolwazi ngolwimi, iSprots app inokuba liqabane elikhulu lokuhamba. Isizathu kukuba yenzelwe ngesiNgesi, kodwa yamkela zonke iintlobo zemali, akuthethi ukuba kuphela iidola kunye neepounds zikhona. I-app iselula mva nje, kodwa inojongano olubekwe kakuhle. Ibonakala intle.

Ezemali zeToshl

Lusetyenziso olunokuba mfutshane ukuba sineeakhawunti ezininzi zebhanki. Isizathu kukuba inguqulelo yayo yasimahla ayikuvumeli ukuba neeakhawunti zebhanki ezingaphezu kwesibini kunye namakhadi abo okuthenga ngetyala avulekileyo.

Ukulawula ngaphezulu kwi-app, kufuneka uthenge umrhumo onikezela ngokudala iakhawunti engenamkhawulo kunye nolunye ukhetho loqwalaselo. Ngokuqinisekileyo, iyahambelana ne iibhanki ezininzi kunye neebhanki zogcino eSpain, eyinzuzo.

Imali - Ukulawula iindleko

Yeyona app ifanelekileyo yokuhamba phesheya nokulawula iindleko esiza kuzenza kweli lizwe. Isizathu kukuba inenkxaso kumazwe angama-31 ehlabathini, ekuvumela ukuba uhoxise okanye ubeke imali kwiibhanki zamazwe ngamazwe ngenkonzo yayo. Ukwenza oku, inikezela ngeakhawunti yayo yebhanki kunye nekhadi letyala, ekufuneka lisetyenziswe kuzo zonke iintlobo zentengiselwano phesheya.

Cela umngeni kwiiveki ezingama-52 ukonga

Le projekthi isekelwe kwi ugcino oluqhubelekayo, esithembisa ukonga imali eninzi ukuba silandela ucwangciso lwayo, ngaloo ndlela isivumela ukuba sihlawule iindleko ekudala siyilindile. Songeza injongo, isixa semali esibandakanyekayo kunye nomhla wokugqibela wokukwazi ukuhlangabezana nayo. Ziya kuba yidatha efunekayo ukuze i-app iqalise ukulinganisa imali esiza kuyigcina iveki neveki, kunye nezikhumbuzo zesimo sediphozithi yethu.

Ndingachitha malini? Ulawulo lweNkcitho yeNtlawulo

Ukuba i-app ezinikele ekulawulweni kweendleko zethu ihlawulwe, oko kuthetha ukuba iza kusinika iinketho ezahluke ngokupheleleyo kwezinye. Ngaphandle kokulawula zonke izinto ezithengiweyo kunye namatyala enziwa ekhaya, kuyasivumela ukuba simisele imida yemihla ngemihla yemali xa sinokumosha kancinci ngaloo ndlela.

Imirhumo

Kule mihla, imirhumo ikhona kuzo zonke iinkonzo esifuna ukwenza ikhontrakthi. Abaninzi baqinisekile ukuba uzisebenzisa yonke imihla, kodwa zonke? Emva koko Ngemirhumo ungagcina irekhodi yazo zonke iinkonzo obhalise kuzo Ukuze wazi ukuba yimalini oyihlawulayo iyonke, yeyiphi eyona ibiza kakhulu kuwe kwaye nini imihla yokuhlaziya elandelayo. Ngale ndlela uya kwazi ukuba zeziphi onokuthi uzikhuphe kubhaliso xa ufuna ukunciphisa iindleko. Ewe kunjalo, imirhumo ingesiNgesi.