Kutarisa iyo zvakanakisa bhajeti mapurogiramu emahara zve2024? Waneta nekunetseka kuti mari yako inoenda kupi mwedzi wega wega? Kutarisira mari kunogona kuve basa rakaoma, kunyanya kana uri kuedza kuzviita wega. Asi usatya, nekuti zera redhijitari rakatiunzira mhinduro-yemahara bhajeti mapurogiramu. Maturusi aya akafanana nekuva neanopa chipangamazano wezvemari anowanikwa 24/7, uye haakubhadharire kana dime.
Muizvi blog positi, isu tichavhenekera akanakisa bhajeti mapurogiramu emahara ayo anovimbisa kukubatsira iwe kugona mari yako zviri nyore. Saka, ngatitangei uye tishandure zviroto zvako zvemari kuti zvive zvechokwadi nemidziyo yemahara yemahara yaunayo.
Table Of Contents
Sei Uchishandisa A Budgeting App?
A bhajeti app ndeyekukubatsira kuti urambe uri munzira nezvinangwa zvako zvemari, ingave uri kuchengetedza chimwe chinhu chakakura kana kungoedza kuti mubhadharo wako ugare. Heino chikonzero nei akanakisa bhajeti maapplication emahara anogona kuve mutambo-wekuchinja kune chero munhu anotarisa kuti awane mari yavo kurongeka:
Kutevedzera Zviri Nyore Kwemari:
Iyo bhajeti app inotora iyo yekufungidzira kunze kwekutevera mashandisiro ako. Nekuisa muchikamu chekutenga kwega kwega, unogona kuona chaizvo mari yauri kushandisa pazvinhu zvakaita segirosari, varaidzo, uye mabhiri. Izvi zvinoita kuti zvive nyore kuona nzvimbo dzaunogona kuderedza.
Kuisa uye Kuzadzisa Zvinangwa Zvemari:
Kungave kuchengetera zororo, mota nyowani, kana homwe yechimbichimbi, mashandisirwo ebhajeti anotendera iwe kuseta zvibodzwa zvemari uye kutarisa kufambira mberi kwako. Kuona mari yako yaunochengeta ichikura kunogona kukurudzira kukuru kuti ubatisise bhajeti yako.
Yakanaka uye Mushandisi-Hushamwari:
Vazhinji vedu tinotakura mafoni edu kwese kwese, izvo zvinoita kuti bhajeti rekushandisa riite nyore. Iwe unogona kutarisa zvemari yako chero nguva, chero kupi, zvichiita kuti zvive nyore kuita sarudzo ine ruzivo rwekushandisa paunenge uchienda.
Zviyeuchidzo uye Zviyeuchidzo:
Kukanganwa kubhadhara bhiri? Iyo bhajeti app inogona kukutumira zviyeuchidzo zvemazuva akafanira kana kukuzivisa iwe kana wave kuda kushandisa mari muchikamu. Izvi zvinokubatsira kuti udzivise kunonoka mubhadharo uye kunamatira kune yako bhajeti.
Zvinoonekwa
Zvirongwa zvebhajeti zvinowanzouya nemachati uye magirafu anoita kuti zvive nyore kuona hutano hwako hwemari. Kuona mari yaunowana, mari, uye mari yaunochengeta zvinokubatsira kuti unzwisise mamiriro ako emari nekukasira.
Yakanakisa Budgeting Apps Yemahara Ye2024
- YNAB: Yakanakisa bhajeti app yemahara Vanhu vakazvipira kune inoshanda manejimendi, yakanangana nezvinangwa
- Hwakanaka: Yakanakisa bhajeti app yemahara Vakaroorana, mhuri, vadzidzi vekuona
- PocketGuard: Yakanakisa bhajeti app yemahara Overdraft-yakajairwa vanhu, chaiyo-nguva ruzivo
- uchi: Yakanakisa bhajeti app yemahara Vakaroorana vari kutsvaga pachena & kubatana
1/ YNAB (Iwe Unoda Budget) - Yakanakisa Budgeting Apps Yemahara
YNAB iapplication yakakurumbira inorumbidzwa nekuda kwemaitiro ayo akasiyana ekuita bhajeti: zero-based budgeting. Izvi zvinoreva kuti dhora rega rega rinowanikwa rinopihwa basa, kuve nechokwadi chekuti mari yako inovhara zvaunoshandisa uye zvinangwa.
Free Trial: Rupo 34-mazuva ekuyedzwa nguva yekuongorora kugona kwayo kuzere.
zvayakanakira:
- Zero-based Budgeting: Inokurudzira kushandisa zvine hungwaru uye inodzivirira kushandisa zvakanyanya.
- Mushandisi-Shamwari Inoshamwaridzana: Inoyevedza uye iri nyore kufamba.
- Zvinangwa: Isa zvibodzwa zvemari zvinobatika uye tevera mafambiro nemazvo.
- Kutarisira Chikwereti: Inopa zvishandiso zvekuisa pamberi uye kuteedzera kubhadhara chikwereti.
- Kubatanidza Akaundi: Inobatanidza nemabhangi akasiyana siyana uye masangano emari.
- Zvedzidzo: Inopa zvinyorwa, maworkshops, uye madhairekitori ezvezvemari kuverenga.
nezvayakaipira:
- Mariro: Kunyoresa-based pricing (yegore kana pamwedzi) inogona kukanganisa vashandisi-vanoziva bhajeti.
- Manual Entry: Inoda kurongwa kwemanyorerwo ekutengeserana, izvo vamwe vangawana zvichinetesa.
- Zvishoma Zvemahara Zvimiro: Vashandisi vemahara vanopotsa kubhadhara otomatiki bhiri uye ruzivo rweakaundi.
- Kudzidza Curve: Kwekutanga kuseta uye kunzwisisa zero-yakavakirwa bhajeti kungada kushanda nesimba.
Ndiani anofanira kufunga nezveYNAB?
- Vanhu vakazvipira kuchengetedza mari dzavo nesimba.
- Vanhu vari kutsvaga yakarongeka uye ine chinangwa-yakanangana nebhajeti maitiro.
- Vashandisi vakasununguka nekunyora kwedhata uye vanoda kuisa mari mukunyoreswa kwakabhadharwa.
2/ Goodbudget - Yakanakisa Budgeting Mapurogiramu Emahara
Goodbudget (yaimbova EEBA, iyo Easy Envelope Budget Aid) chirongwa chebhajeti chakafemerwa ne hurongwa hwehamvuropu yechinyakare. Inoshandisa "mahamvuropu" chaiwo kugovera mari yako muzvikamu zvakasiyana zvekushandisa, zvichikubatsira kuti urambe uri munzira uye kudzivirira kushandisa zvakanyanya.
Yemahara Basic Plan: Inosanganisira zvakakosha zvakaita semahamvuropu, zvinangwa, uye mabhajeti akagovaniswa.
zvayakanakira:
- Envelope System: Yakapusa uye intuitive nzira yekugadzirisa mari, yakanakira vadzidzi vanoona.
- Kudyidzana Budgeting: Yakakwana kune vakaroora, mhuri, kana vaunogara navo kuti vagovane uye vatore bhajeti pamwechete.
- Muchinjikwa-Chikuva: Inowanikwa kuburikidza newebhu, iOS, uye Android zvishandiso zvekuyananisa zvisina musono.
- Zvedzidzo: Manongedzo uye zvinyorwa zvebhajeti uye envelopu system yekushandisa.
- Yakavanzika-Yakatarisana: Hapana ads uye haibatanidzi kumabhangi maakaundi zvakananga.
nezvayakaipira:
- Manual Entry: Inoda manual transaction categorization, iyo inogona kutora nguva.
- Envelope-Yakatarisana: Zvingave zvisingaenderane nevashandisi vanosarudza zvakadzama kuongororwa kwemari.
- Zvishoma Zvemahara Zvimiro: Hurongwa hwekutanga hunorambidza mamvuropu uye hunoshaya mamwe maficha ekuzivisa.
Ndiani anofanira kufunga nezveGoodbudget?
- Vanhu kana mapoka matsva kubhajeti vanotsvaga nzira iri nyore uye yekuona.
- Vakaroorana, mhuri, kana vaunogara navo vanoda kubata mari nekubatana.
- Vashandisi vakasununguka nekupinda kwemanyorero uye kuisa pamberi pezvinangwa zvemari zvakagovaniswa.
3/ PocketGuard - Yakanakisa Budgeting Mapurogiramu Emahara
PocketGuard ndeye bhajeti app inozivikanwa kune yayo mushandisi-inoshamwaridzika interface, real-time spending alerts, uye tarisa pakudzivirira kuwandisa.
zvayakanakira:
- Real-time Kushandisa Insights: Wana zviziviso zvepakarepo nezvemabhiri arikuuya, njodzi yekushandisa zvakanyanya, uye miripo yekunyoresa.
- Overdraft Kudzivirirwa: PocketGuard inoona zvingangove zvakawandisa uye inopa nzira dzekuzvidzivirira.
- Kudzivirirwa Kwemari: Zvirongwa zvePrimiyamu zvinopa kutarisisa kiredhiti uye kuchengetedzwa kwekubiwa kwekuzivikanwa (US chete).
- Interface iri nyore: Zviri nyore kufamba uye kunzwisisa, kunyangwe kune vanotanga bhajeti.
- Mahara Zvinhu: Kuwana kuwiriranisa account, zviziviso zvekushandisa, uye maturusi ebhajeti ekutanga.
- Zvinangwa: Gadzira uye tarisa kufambira mberi kune zvinangwa zvemari.
- Bill Tracking: Tarisa mabhiri ari kuuya uye nemazuva akakodzera.
nezvayakaipira:
- Zvishoma Zvemahara Zvimiro: Vashandisi vemahara vanorasikirwa neotomatiki kubhadhara bhiri, kupatsanura mutengo, uye customizable ziviso.
- Manual Entry: Mamwe maficha angangoda kurongwa nemaoko ekutengeserana.
- US-Chete: Parizvino haisi kuwanikwa kune vashandisi kunze kweUnited States.
- Ongororo Yemari Yakakwana: Inoshaya kuongorora kwakadzama kana ichienzaniswa nevamwe vakwikwidzi.
Ndiani anofanira kufunga PocketGuard?
- Vanhu vanowanzoshandisa mari yakawandisa vanotsvaga chenjedzo nenhungamiro.
- Vashandisi vanoda iri nyore uye intuitive bhajeti app ine chaiyo-nguva yekushandisa ruzivo.
- Vanhu vane hanya nezve overdraft uye kuchengetedzwa kwemari (premium zvirongwa).
- Vanhu vakasununguka nekumwe kupinda kwemaoko uye kuisa pamberi pekudzivirira overdraft.
4/ Honeydue - Yakanakisa Budgeting Apps Yemahara
Honeydue ndeye bhajeti app chaizvo yakagadzirirwa vakaroorana kutarisira mari dzavo pamwe chete.
Yemahara Basic Plan: Kuwanikwa kune zvakakosha maficha senge bhajeti rakabatana uye zviyeuchidzo zvebhiri.
zvayakanakira:
- Joint Budgeting: Vese vari vaviri vanobatana vanogona kuona ese maakaundi, kutengeserana, uye mabhajeti munzvimbo imwechete.
- Kushandiswa Kwemunhu Mumwe nemumwe: Wese mudiwa anogona kuve nemaakaundi akavanzika uye mari yekuzvimiririra yega yemari.
- Bill Zviyeuchidzo: Seta zviyeuchidzo zvemabhiri anouya kudzivirira kunonoka mubhadharo.
- Zvinangwa: Gadzira zvinangwa zvemari zvakagovaniswa uye tevera kufambira mberi pamwe chete.
- Real-time Updates: Vese vari vaviri vanobatana vanoona shanduko ipapo, ichikurudzira kutaurirana uye kuzvidavirira.
- Interface iri nyore: Mushandisi-ushamwari uye intuitive dhizaini, kunyangwe kune vanotanga.
nezvayakaipira:
- Nharembozha-chete: Hapana webhu app iripo, ichiganhurira kuwanikwa kwevamwe vashandisi.
- Zvishoma Zvimiro Zvevanhu: Inotarisa pabhajeti yakabatana, iine mashoma maficha ekutonga kwemari yega.
- Dzimwe Glitches Zvinotaurwa: Vashandisi vakashuma apo neapo tsikidzi uye nyaya dzesync.
- Kunyoresa kunodiwa kune Zvizhinji Zvimiro: Zvirongwa zvakabhadharwa zvinovhura zvakakosha senge kuwiriranisa account uye kubhadhara bhiri.
Ndiani anofanira kufunga nezveHoneydue?
- Vakaroorana vari kutsvaga nzira yakajeka uye yekubatana pakugadzirisa bhajeti.
- Vashandisi vakasununguka ne-mobile-chete app uye vanoda kukwidziridza kune epamberi maficha.
- Vanhu vatsva kubhajeti vanoda iri nyore uye intuitive interface.
mhedziso
Aya akanakisa bhajeti maapplication emahara anopa akasiyana maficha kuti aenderane zvakasiyana zvaunofarira, zvichiita kuti zvive nyore kupfuura nakare kose kutora kutonga kwemari yako pasina kushandisa imwe mari pakubhadhara mari yekunyoresa. Rangarira, kiyi yekubudirira bhajeti kuenderana uye kuwana chishandiso chaunonzwa wakasununguka kushandisa zuva nezuva.
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Ref: Forbes | CNBC | Fortune Inokurudzira
