Izinhlelo zokusebenza ezingcono kakhulu ongazilanda ukuze ulawule izindleko futhi wenze ibhajethi

Unyaka uqala ngemuva kukakhisimusi futhi amanye amakhosi asishiyile amaphakethe ethu agcina ishumi leminyaka aqale omusha. Kodwa njengaminyaka yonke futhi lokhu akushintshi, uJanuwari yinyanga ebonakala kakhulu ku-akhawunti yethu. Izinkokhelo zonyaka, umshwalense, izikweletu, inhlangano yezindleko zonyaka ... ezibalulekile ube wethu ama-akhawunti enziwe futhi ahlelwe kahle emthambekeni kaJanuwari ngalezi zinhlelo zokusebenza zokulawula izindleko.

Kungenzeka ukuthi ukwenze isinqumo sakho soNyaka Omusha ukuthi sibe ngaphezulu kuhlelekile kulesi sici, futhi njengoba hlela izindleko zakho futhi ukuthatha ama-akhawunti akho onyaka kuyisisekelo futhi kubaluleke kakhulu, ngikushiyela uhlu ne izicelo ezinhle kakhulu ukuze uhlele eyakho ezezimali zomuntu siqu noma zomndeni futhi ngaleyo ndlela wenze ukuphila kwakho kube lula kakhulu. Ngakho ake siqale:

I-Fintonic

I-Fintonic cishe yiyona inombolo yohlelo lokusebenza 1 kule nkinga. Ingenye elandiwe kakhulu, futhi ngesizathu esihle (kube njalo iklonyeliswe i-Google njengohlelo lokusebenza lwezezimali olungcono kakhulu ngo-2015). Ikuvumela control kokubili kwakho izindleko njengawe imali, njengoba ingavunyelaniswa nebhange lakho lomuntu siqu. Ngaphandle kwalokho, ungenza futhi ngezimali, ikutshela uma kufanele uvuselele umshwalense wakho wemoto futhi uma unebhalansi eyanele, ilawula futhi ivumelanise ama-akhawunti akho, umshwalense, amakhadi, imalimboleko, imali ebolekiwe kanye nemikhiqizo yokutshalwa kwezimali kanye nakho konke okuhlobene nomnotho womuntu.

Honeydue: uhlelo lokusebenza imibhangqwana

I-Honeydue uhlelo lokusebenza oluhle kakhulu ukulawula nokuphatha izindleko zakho, njengoba ikuvumela ukuthi ulandelele ama-invoyisi akho, amabhalansi asebhange kanye nezindleko, ngababili. Futhi lokho kungumusa nokuthi lolu hlelo lokusebenza lusekelwe kuphi, empilweni njengombhangqwana. Ikuvumela ukuthi nithumelelane imali, ibeka imikhawulo yanyanga zonke ekusetshenzisweni komndeni esigabeni ngasinye futhi ikuthumelele isaziso uma usondela kumgomo ohlongozwayo.

I-Wallet: imali, isabelomali, i-tracker yezezimali

I-Wallet ikusiza ukuthi uhlele futhi ulandelele amabhajethi nezindleko zakho, futhi ikuvumele ukuthi uphathe izimali zakho ngenkuthalo usebenzisa izinhlobo eziningi zemali, amabhange, nezikhungo zezezimali.

I-Weplan: lawula izinga lakho leselula

I-Weplan ikuvumela ukuthi ugcine i-a isilawuli Mayelana nawe ukusetshenziswa kwedatha, izingcingo kanye ne-SMS yezinga leselula yakho. Ngamagrafu, ikubonisa lonke lolu lwazi, futhi iqhathanisa amanani ahlukene akho kokubili okukhokhelwa kusengaphambili kanye nenkontileka ukuncoma ukukhetha okungcono kakhulu.

Imali

I-Monefy wuhlelo lokusebenza lwe irekhodi lezindleko. Kufanele wengeze izindleko ngayinye oyenzayo. Kwanele ukwengeza amarekhodi amasha uma uthenga okuthile noma u-oda itekisi, kudingekile kuphela ukugcwalisa inani.

Umphathi Wemali, I-Tracker Yezindleko (Umphathi Wemali)

Umphathi Wemali, I-Expense Tracker noma Umphathi Wemali (lesi yisona esizwakala kangcono kakhulu ngesiNgisi ...) sikusiza ukuthi ulandele umsebenzi wakho wezezimali ngendlela ephumelelayo. Iba ne design elula futhi enembile, okwenza kube lula ukuyisebenzisa. Ngenxa yalolu hlelo lokusebenza ungaphatha izindleko zakho futhi uphathe impilo yakho yezezimali. Kulula ukuyithola ku-Google Play Isitolo njengoba inakho kakhulu izibuyekezo ezinhle.

Isabelomali Esisheshayo - Umphathi Wezindleko

Lolu olunye uhlelo lokusebenza oluhle lokugcina izimali zakho zilawulwa. Ikuvumela ukuthi ubuyekeze izindleko zakho zansuku zonke futhi ikusize wonge. Inamathuluzi ahlukene njengamakhalenda, amashadi, futhi ifingqa izindleko zakho zenyanga.

I-VAT yokubala

Noma kungabonakali, bala i-VAT zezindleko zethu zingaba ezibalulekile, futhi abantu abaningi abazi ukuthi kwenziwa kanjani. Ngalolu hlelo lokusebenza olulula ungakwazi ukubala ngokuzenzakalelayo i-VAT yanoma iyiphi isamba semali, hhayi i-VAT yaseSpain kuphela, uma kungenjalo. Kusuka kunoma iliphi izwe.

UkuvakashaSpend

Ibhajethi Yokuhamba: ukulandelela izindleko nge-TravelSpend wuhlelo lokusebenza oluwusizo kakhulu uma kuziwa lawula izindleko ezishibhile uma sifuna yenza uhambo. Kuwuhlelo lokusebenza oluwusizo ngendlela emangalisayo uma sihamba njalo, ngoba aludingi uxhumano lwe-inthanethi, guqula ngokuzenzakalelayo noma iyiphi imali ibe yimali yangakini, ikuvumela ukuthi ubone ngeso lengqondo izindleko zakho futhi uzihlaziye ukuze ukwazi ukuhlala ngaphakathi kwesabelomali sakho futhi ungakwazi nokuthekelisa leyo datha yezindleko zakho kufayela le-CSV (Excel).

1Imali - Izindleko, umlawuli, isabelomali

I-1Money ingenye yalezo zinhlelo zokusebenza ezikuvumela ukuthi uphathe izimali zakho ngendlela elula nenembile. Awudingi ukuphula ikhanda lakho ufaka idatha futhi uzama ukuphatha ngaphakathi kohlelo lokusebenza, njengoba lwayo umklamo udonsa amehlo y kulula ukuyiqonda. Kuyinto a uhlelo lokusebenza olugcwele futhi ikuvumela ukuthi wenze noma yiluphi uhlobo lokuphathwa kwezimali. Futhi inesilinganiso esihle kakhulu esitolo sohlelo lokusebenza le-Google.

Umuntu ohambile

Igqama endleleni yayo yomndeni, njengoba inohlelo lweqembu lokulawula izindleko zabantu abambalwa ngesikhathi esisodwa, kanye nenkonzo yamakhasimende elungiselelwe kahle kakhulu enolwazi olukhulu ngokuphathwa kwezimali namathiphu okonga. Kuyinto uhlelo lokusebenza kuvunywe izikhungo ezifana Forbes noma i-New York Times, kusho ngesimilo esihle somnotho.

Izindleko Zansuku Zonke: Ezezimali Zomuntu Siqu

Singakwazi ukuhlukanisa kokubili imali engenayo nezindleko ngezigaba, kungakhathaliseki ukuthi zimayelana nekhaya, imoto noma ukuthenga kwamanje. Lolu lwazi olubhalisiwe lungavikelwa ngamaphethini ahlukahlukene okuvikela, ngaphezu kokuhlela imibiko yezikhathi ezithile ngesimo sama-akhawunti ethu. Uma kukhathaza ukungena njalo kuhlelo lokusebenza, lunewijethi engabekwa kudeskithophu.

Isabelomali sami - Ukulawula izindleko

Uhlelo lokusebenza olusebenza kakhulu oludalula yonke imisebenzi esiyenzayo ngemali yethu. Ngakolunye uhlangothi, siwina ngokulangazela ngenxa yesigaba sayo ngemisebenzi elandelayo, kanye ne-a izindleko zokuhlela ekhalendeni esehlelayo emasontweni ezayo. Inkulumo ethi 'inkunzi isibambile' isiphelile.

Umthandi Wemali

Zibekele imigomo yakho kokubili izindleko nokonga, ukuhlela ukulandelela okusebenzayo ngezikhumbuzi, imibiko, nezixwayiso. Ngaphezu kwalokho, uhlelo lokusebenza luncoma ukuxhumanisa amakhadi esikweletu ukuze kunikezwe izaziso zezinkokhelo ezizayo ezizokhokhiswa ekhadini elifanayo. Isigaba saso sokuhlela sikuvumela ukuthi udale izabelomali ezihlukene, ukuze ibonise lokho esikusebenzisile kulowo nalowo.

Irekhodi le-Accounting

Kusebenza umqondo wokungena kabili, okungukuthi, kubonisa ku-akhawunti kokubili imali esiyifakile kanye nemali esiyisebenzisayo. Iphinde ibe nayo amakhophi wokulondoloza ngefomethi ye-CSV, ukukhiqiza izincwadi ze-Excel ezisivumela ukuthi sibuyisele yonke imininingwane yethu futhi singalahleki. Ngaphezu kwalokho, kungenzeka ukuhlela ukudluliselwa kwebhange nosuku nesikhathi, ukuze singakhohlwa ukwenza leyo nkokhelo ebalulekile.

Ama-Bluecoins

Inohlu lwemisebenzi efanayo njengoba sesibonile kuze kube manje. Nokho, sithola ingxenye engabonakali kulolu hlu, njengengxenye yokuvumelanisa nezinye izisetshenziswa zobuchwepheshe, njengekhompyutha noma ithebhulethi. Ukuze wenze lokhu, kuzodingeka ukuthi uzikhombe ngephrofayela efanayo kuwo wonke amadivayisi, ukuze zonke izinguquko esizenzayo kusayithi zibonakale ngendlela efanayo.

Amahlumela - Ukulawula izindleko

Uma uvela kwelinye izwe noma umane unolwazi ngolimi, uhlelo lokusebenza lwe-Sprits lungaba umngane wokuvakasha omuhle. Isizathu ukuthi yakhelwe ngesiNgisi, kodwa yamukela zonke izinhlobo zemali, akusho ukuthi kukhona amadola namaphawundi kuphela. Uhlelo lokusebenza luselusha muva nje, kodwa lune-interface ebekwe kahle kakhulu. Kubukeka kukuhle.

Ezezimali zeToshl

Uhlelo lokusebenza olungaba lufushane uma sinama-akhawunti ambalwa asebhange. Isizathu siwukuthi inguqulo yayo yamahhala ayikuvumeli ukuba nama-akhawunti asebhange angaphezu kwamabili namakhadi abo esikweletu avulekile.

Ukuze uphathe okwengeziwe ohlelweni lokusebenza, udinga ukuthenga ukubhalisa okunikeza ukudalwa kwe-akhawunti okungenamkhawulo kanye nezinketho eziningi zokumisa. Yiqiniso, iyahambisana amabhange amaningi namabhange okonga eSpain, okuyinzuzo.

I-Monese - Lawula izindleko

Iwuhlelo lokusebenza oluphelele lokuvakashela phesheya nokulawula izindleko esizozenza kulelo zwe. Isizathu siwukuthi inokwesekwa kwamazwe angu-31 emhlabeni, okukuvumela ukuthi ukhiphe noma ubeke imali emabhange ahlukene omhlaba ngokusebenzisa isevisi yayo. Ukwenza lokhu, inikeza i-akhawunti yayo yasebhange kanye nekhadi lesikweletu, okumele lisetshenziswe kuzo zonke izinhlobo zokuthengiselana phesheya.

Inselelo yamaviki angama-52 ukonga

Le phrojekthi isuselwe ku- ukonga okuqhubekayo, ethembisa ukonga imali eningi uma silandela isimiso sayo, ngaleyo ndlela kusivumela ukuba sibhekane nalezo zindleko osekunesikhathi eside sizilindile. Sengeza umgomo, inani lemali elibandakanyayo kanye nomnqamulajuqu wokukwazi ukuwufinyelela. Kuzoba idatha edingekayo ukuze uhlelo lokusebenza luqale ukulinganisa inani lemali esizoyilondoloza isonto nesonto, kanye nezikhumbuzo zesimo sediphozi yethu.

Ngingasebenzisa malini? I-Premium Yokulawula Izindleko

Uma uhlelo lokusebenza oluzinikele ekulawuleni izindleko zethu lukhokhwa, kusho ukuthi luzosinika izinketho ezihluke ngokuphelele kwezinye. Ngaphandle kokuphatha konke ukuthenga nezikweletu okwenziwa ekhaya, kusivumela ukuthi sibeke imikhawulo yansuku zonke yemali uma kwenzeka senza umosha kancane ngaleyo ndlela.

Okubhaliselwe

Namuhla, okubhaliselwe kukhona kuwo wonke amasevisi esifuna ukuwenza inkontileka. Abaningi baqinisekile ukuthi uzisebenzisa nsuku zonke, kodwa zonke? Khona-ke Ngokubhaliselwe ungagcina irekhodi lazo zonke izinsiza ozibhalisele Ukuze wazi ukuthi ukhokha malini sekukonke, iyiphi ebiza kakhulu kuwe nokuthi zinini izinsuku zokuvuselela ezilandelayo. Ngale ndlela uzokwazi ukuthi yiziphi ongazikhipha ohlwini uma kwenzeka udinga ukunciphisa izindleko. Impela, Okubhaliselwe kungesiNgisi.