Izinhlelo zokusebenza ozodinga ukulondoloza imali nokuphatha izikweletu zakho
Kunezinhlelo eziningi zezinhlelo zokusebenza zesabelomali kanye nezokuphatha imali (nezinsizakalo!) Ngaphandle, kepha ngemva kokuhamba ngezinketho ezingaba ngu-20 eziphezulu, sinqume kulezi ziyisikhombisa.
Ngamunye unamandla awo futhi siqinisekisile ukuwagqamisa ukuze sikusize ukhethe okulungile kuwe.
01 ngo-07
I-Mint
Lolu hlelo lokusebenza, kusukela kubenzi be-e-filing site / isofthiwe ye-TurboTax, likusiza ukuthi uthole isithombe esicacile sezo zonke zezimali zakho endaweni eyodwa. Uma usubhalisile, uxhuma wonke ama-akhawunti akho asebhange, ama-akhawuntali okutshala izimali kanye nama-akhawunti yekhadi lesikweletu, futhi i-Mint inikeza ukubuka konke okusebenzayo kanye nezilinganiso kuwo wonke, kufaka phakathi amagrafu abhidliza ukusetshenziswa kwakho ngemikhakha. Imininingwane yakho ivumelanisiwe kuwo wonke ama-app kanye ne-app yeselula, ngakho-ke ungathola ukubuka okuphezulu kakhulu kokubukwa kwe-akhawunti yakho kungakhathaliseki ukuthi uyiphi ipulatifomu.
Ngaphandle kokubonisa lonke ulwazi lwakho lwezimali olufanele endaweni eyodwa, uhlelo lokusebenza lwe-Mint likusiza ukuthi uphathe imali yakho ngokuhlinzeka ngebhajethi ngokusekelwe kokusebenzisa kwakho nokunikeza isikolo sakho sesikweletu mahhala. Uthola futhi izikhumbuzi zezinsuku ezizayo ezifanelekile, futhi zingakhokhela izikweletu zakho ngokuqondile kuhlelo lokusebenza efonini yakho nakudeskithophu.
Yebo, ungase unqabe ukunikeza lonke ulwazi lwe-akhawunti yakho yezezimali kuhlelo lokusebenza lwe-Mint, kodwa isevisi isebenzisa izinyathelo zokuphepha ezifana nokuqinisekiswa kwe-multi-factor ukugcina imininingwane yakho iphephile. Ukwengeza, i-Mint isebenzisa i-hardware ene-multi-layered hardware ne-software yokubethela ukugcina yonke imininingwane yakho yokungena ngemvume kuma-akhawunti ahlukahlukene aphephile.
Okuhle kakhulu:
- Ukubhajethi
- Ukuhlala phezu kwezikweletu
- Ukuthola isithombe esicacile sempilo yakho yonke yezezimali
- Ukuphathwa kwemali jikelele
Izindleko: mahhala
Amapulatifomu:
- Android
- IOS
- Isiphequluli
02 ngo-07
Udinga isabelomali (YNAB)
Kungase kubonakale sengathi ukukhokha imali enkonzweni ukukusiza ukuthi uphume esikhwameni, kodwa Udinga isabelomali (okufinyelelwa ngaso sonke isikhathi ku-YNAB) kunabalandeli abaningi abahlukumeza ngokusebenza kwayo.
Uma usayina uphinde uxhuma wonke ama-akhawunti akho wezezimali, i-YNAB ikusiza ukuthi uhlale emgqeni ngokukusiza ukuthi usethe imigomo futhi ugcine uthumela ukuthi ukuthuthuka noma ukushiya kule migomo kuzosithinta kanjani izinga lakho lesikweletu. Njengezinye izinhlelo zokusebenza kulesi sihloko, Udinga i-Budget iphinde isuse imali yakho kumashadi namagrafu, ikuvumela ukuthi ubone ukuthi uchitha kangakanani ukudla, ekhaya, "nje kumnandi" nokuningi.
Ifilosofi yesabelomali ye-YNAB yukuthi udinga ukunikeza wonke ama dollar onomsebenzi, futhi uwubeke ekusebenzeni ngokubeka phambili lapho imali yakho kufanele ihambe khona. I-You Need Budget indawo indawo ihlanganisa inqwaba imithombo ukukusiza ufunde kabanzi mayelana nendlela ukunciphisa isikweletu sakho, ezifana amaviki onke, amaqembu online, podcasts nokunye.
Izindleko: $ 4.17 ngenyanga, ikhokhiswa ngonyaka nge $ 50. Qaphela ukuthi le nkonzo ihlanganisa isiqinisekiso sokubuyisela imali uma ungazizwa sengathi sisebenzela wena, futhi uthola isilingo samahhala samalanga angu-34 njengomsebenzisi omusha.
Okuhle kakhulu:
- Ukubhajethi
- Ukuphuma esikweletini
Amapulatifomu:
- Android
- IOS
- Isiphequluli
03 ka-07
Imali Ecacile
Lena enye uhlelo lokusebenza oluqinile lokuphathwa kwemali jikelele, nesici esivamile sokulandela ukusetshenziswa kwakho kwezimali kuma-akhawunti. Ihlinzeka ngamathuluzi ambalwa ayingqayizivele, noma kunjalo, njengekhono lokukhansela okubhaliselwe okungafuneki oku-intanethi (futhi nje ubone ukuthi yikuphi ukubhalisa onakho ekuqaleni) ngenhloso yokulondoloza imali. Ibuye ikhombise noma yiziphi izikweletu onakho ezingaxoxwa ngazo, futhi zingabuyekeze ngokuzenzakalelayo ngenani eliphansi egameni lakho. Ngokuphawulekayo, ungaphinde uthumele imali phakathi kwama-akhawunti akho wokuhlola nokulondoloza ngqo ngokusebenzisa uhlelo lokusebenza.
Uma unesikweletu, i-Clarity Money izophinde inikeze iziphakamiso zendlela yokuyihlanganisa ngayo namakhadi esikweletu, futhi kungakhathaliseki ukuthi unesikweletu isevisi izophakamisa futhi amakhadi akhokredithi angcono kuwe ngokusekelwe esimeni sakho sezimali kanye namaphethini okusebenzisa.
Esinye isici esiyingqayizivele: Uhlelo lokusebenza likuvumela ukuba uhlele i-akhawunti yokulondoloza ezokhipha ngokuzenzakalelayo izimali ezivela ku-akhawunti yakho. Ngokuvamile, i-Clarity Money ibonakala iphila ngendlela eyazikhokhela yona - njengommeli womthengi - ngokunikela ngamathuluzi amaningi ayingqayizivele, awusizo. Qaphela ukuthi njengenkathi yokushicilela isikhathi, uhlelo lokusebenza alukatholakali ku-Android, kodwa inkampani yathi yayiza esiteji esikhathini esizayo.
Izindleko: mahhala
Okuhle kakhulu:
- Ukuphathwa kwemali jikelele
- Ilondoloza imali
- Ukusika imali echithayo
Amapulatifomu:
- IOS
04 ka 07
I-Acorns
Lolu hlelo lokusebenza lunomugqa we-tagline "utshalise ukuguqulwa kwesabelo," futhi kukusiza ngokwenza kanjalo. Ukuze uqalise, uxhuma wonke amakhadi nama-akhawunti oyisebenzisayo ukuthenga ngohlelo lokusebenza, bese uchitha nje ngendlela ovame ukuyenza. Uhlelo lokusebenza lwe-Acorns luzothola ngokuzenzakalelayo ukuthenga kwakho kudola elikude, kodwa kunokuba unike umthengisi ukuthi wenze ibhizinisi ngemali eyengeziwe, izobe isitshale ukuthi kuguquliwe kwiphothifoliyo yezingubo ezingaphezu kuka-7,000 nezibopho. Umqondo wukuthi ngokuhamba kwesikhathi, imali encane oyitshalayo ekutshaneni imali ibe yinto ebalulekile.
Ngaphandle kokutshala imali ekushintsheni okwehlukile ngokugcizelela ukuthengiselana kwakho kudoli eliseduzane, ungasetha izimali eziphindaphindiwe zesamba esithile sama dollar nge-Acorns. Lokhu kungaba ngosuku, nsuku zonke noma ngenyanga. Ungakwazi ukuhoxisa imali ku-akhawunti yakho nganoma yisiphi isikhathi ngaphandle kokukhokhiswa, futhi uhlelo lokusebenza lusetha kabusha imali yakho ngokuzenzakalelayo.
Uhlelo lokusebenza lwe-Acorns luvikela idatha yakho nge-256-bit encryption, futhi uvikelekile kufika ku-$ 500,000 ngokukhwabanisa, ngakho ungazizwa uvikelekile ngenkathi usebenzisa lolu hlelo lokusebenza olukhethekile lokulondoloza / lokutshala izimali.
Izindleko: $ 1 ngenyanga (ama-akhawunti angu-5,000 noma ngaphezulu akhokhela u-0.25% ngonyaka, ngenkathi abafundi bekolishi bevumelekile .Ikheli le-imeyili lithola uhlelo lokusebenza lwe-Acorns mahhala)
Okuhle kakhulu:
- Ilondoloza
- Ukungena ekutshaleni imali
- Ukwenza okuningi kwakho konke okuthengayo
Amapulatifomu:
- Android
- IOS
- Isiphequluli
05 ka-07
I-Goodbudget
Uma ujwayele indlela yokubeka izimali nge-envelope - okuyinto ehlanganisa ukwehlukanisa imali ngezigaba ezahlukene zesabelomali sakho zibe yi-envelopes ehlukene - isu esetshenziswa uhlelo lokusebenza lwe-Goodbudget kuyoba nengqondo kuwe. Ngokuyinhloko, ucacisa inani elithile lemali ukuya ezinhlokweni ezihlukahlukene zezindleko, futhi uhlelo lokusebenza lwe-Goodbudget lilandelela ukuqhubeka kwakho nokuthi unamathela kangakanani kulezi zimali ezilungiselelwe.
Uhlelo lokusebenza likuvumela ukuba uhlole ukuthi uke ushiye kangakanani ukuchitha kunoma yikuphi "invilophu" enikeziwe, futhi ingalandelela izilinganiso zakho zebhange ngaphezu kwamanani akho kuzo zonke izigaba zezindleko. Esinye isici esiwusizo ukukhethwa kwemibiko uhlelo lokusebenza lwe-Goodbudget lungaveza, kufaka phakathi imali engenayo nokusetshenziswa kwemali nge-envelope nokuningi. Ungalanda ngisho nokuthengiselana njengefayela le- CSV (spreadsheet) kusuka kuwebhu. Ngokwemvelo, yonke imininingwane yohlelo lokusebenza ivumelanisiwe phakathi kwefoni yakho kanye nedeskithophu, ngakho uzobona ulwazi olusesikhathini esiphezulu kumapulatifomu.
Ungabelana ngebhajethi kwabanye njengamalungu omndeni, okuwusizo ikakhulukazi uma ukhathazekile kakhulu ngokuhlala ezindlini zezindleko ezingaphezulu.
Izindleko: Ezamahhala, noma ngabe inguqulo ye-premium ye-Goodbudget Plus iyatholakala nge $ 6 ngenyanga noma $ 50 ngonyaka. Le nguqulo ekhokhelwayo yohlelo lokusebenza ihlanganisa izivilophu ezingenamkhawulo (uhlelo lokusebenza lamahhala lukhawulela ku-10), umlando wokuthengiselana ongenamkhawulo, inani elingenamkhawulo lamadivayisi nokufinyelela kokusekelwa kwe-imeyili esikhundleni sokusekelwa komphakathi kuphela.
Okuhle kakhulu:
- Ukudala nokunamathela kwisabelomali
Amapulatifomu:
- Android
- IOS
- Ideskithophu
06 ka-07
Qapital
Uma ufuna usizo lokulondoloza umgomo othile, i-Qapital ingaba uhlelo lokusebenza kuwe - noma okungenani uhlelo lokusebenza olulodwa kuwe. Uqala ngokucacisa umgomo, njengeholide noma ukukhokha imali yokubolekwa kwabafundi, futhi uhlelo lokusebenza lusiza ukuthi usethe imithetho e-othomathikhi engakusiza ekufinyeleleni lowo mgomo.
Isibonelo, uma ufuna ukulondoloza iholide eHawaii, unqume ukuthi uzodinga kangakanani ukubeka eceleni ukuze uhambe, bese usebenzisa uhlelo lokusebenza lwe-Qapital ukusetha izenzo ezenzakalelayo njenge-rounding up to the dollar eseduzane (a la I-Acorns app) futhi ibeka umehluko ekulondolozeni nokulondoloza inani elithile njalo uma uyala ukuthatha. Ungakwazi ukwenza ngokwezifiso inqubo ngokudala imithetho yakho ngokusekelwe esimweni sakho, futhi - ungabeka eceleni u-$ 25 esikhwameni esisha oyifunayo njalo uma uya esikoleni sokuzivocavoca, isibonelo.
Uma uqale ngeQapital, uthola i-akhawunti yokuhlola kanye nekhadi lokukhishwa kwemali elibophezela ohlelweni lokulondoloza inkonzo. Ngakho i-Qapital ingasebenza njengabhange lakho, ikhono lokudlulisa imali phakathi kwama-akhawunti, ukukhokha amasheke nokuningi, futhi kungabi nemali ekhokhwa ngenyanga.
Izindleko: mahhala
Okuhle kakhulu:
- Ukulondoloza ngomgomo othize engqondweni
- Ukuzenzakalela inqubo yakho yokulondoloza
Amapulatifomu:
- Android
- IOS
07 ka-07
Budgt
Uhlelo lokusebenza lwe-Budgt luthatha indlela enamandla yokusiza ukuthi uhlele ukuthi ungakanani usebenzise izinto ezihlukahlukene ngokuphepha, futhi uyakwazi ukugcina izinto zilula kakhulu. Uvele ufake izindleko zakho ezihlukahlukene nsuku zonke nenyanga kanye neholo lakho, futhi uBudgt uzobala ukuthi ungayisebenzisa kangakanani usuku ngalunye.
Ngenxa yokuthi cishe uzohamba ngenani lezinsuku ezithile, uBudgt uphinde unikeze izabelomali ezibuyekeziwe ngokusebentisa kwakho yonke inyanga, ngenhloso yokukugcina isheke ukuze ungapheli ukulahlekelwa imali ngenkathi uhlela ukulondoloza imali phakathi nenyanga.
Uthola ulwazi olunembile uma usebenzisa uhlelo lokusebenza ngokuhamba kwesikhathi, njengolwazi ezinsukwini lapho kungenzeka ukuthi usebenzise imali eningi, futhi uhlolwe ukuthi ingakanani imali ezoshiywa ekupheleni kwenyanga. Ungathumela idatha yakho yanyanga zonke njengefayela le-CSV.
Lokhu kungenye yezinhlelo zokusebenza ezicacisiwe ezivezwe kulesi sihloko, njengoba enganikeli ngokubanzi ububanzi bezimpawu njengezinhlelo zokusebenza njenge-Mint. Ngakho-ke, i-Budgt cishe isetshenziswe kangcono ngokubambisana nohlelo lokusebenza olubanzi lokuphathwa kwemali ukuze ukwazi ukufeza imigomo ehlukahlukene yezezimali.
Okuhle kakhulu:
- Labo abanemali encane
- Ukubhajethi ngokujwayelekile kodwa ngokuqondile ngokubhekiselwe kwesabelomali ngosuku nosuku
Izindleko: $ 1.99
Amapulatifomu:
- IOS