Eyona Apps yoHlahlo-lwabiwo mali yasimahla | Yazi iimali zakho ngo-2024

Ukukhangela best uhlahlo lwabiwo-mali apps free ye2024? Ngaba ukhathele ukuzibuza ukuba iya phi imali yakho inyanga nenyanga? Ukulawula imali kunokuba ngumsebenzi onzima, ngakumbi xa uzama ukwenza konke ngokwakho. Kodwa ungoyiki, kuba ixesha ledijithali lisizisele isisombululo-ii-apps zohlahlo lwabiwo-mali lwasimahla. Ezi zixhobo zifana nokuba nomcebisi wakho wezezimali okhoyo 24/7, kwaye aziyi kukubiza dime. 

Kule blog ngeposi, siza kutyhila ezona zixhobo zohlahlo lwabiwo-mali zisimahla ezithembisa ukukunceda wazi kakuhle imali yakho. Ke, masiqalise kwaye siguqule amaphupha akho emali abe yinyani ngezona zixhobo zasimahla onazo.

Isiqulatho

• Kutheni Usebenzisa i-App yoHlahlo-lwabiwo-mali?
  • Ukulandelelwa ngokulula kweendleko
  • Ukumisela nokuPhunyezwa kweenjongo zeMali
  • Iluncedo kwaye isebenziseka lula
  • Izilumkiso kunye nezikhumbuzo
  • Iimbono ezibonwayo
• Eyona Apps yoHlahlo-lwabiwo mali yasimahla ngo-2024
  • 1/YNAB (Ufuna uHlahlo-lwabiwo-mali)
  • 2/ Uhlahlo lwabiwo-mali oluhle
  • 3/ PocketGuard 
  • 4/ I-Honeydue
• isiphelo

Kutheni Usebenzisa i-App yoHlahlo-lwabiwo-mali?

I-app yohlahlo lwabiwo-mali kukunceda uhlale endleleni kunye neenjongo zakho zemali, nokuba ulondolozela into enkulu okanye uzama ukwenza umvuzo wakho wokugqibela. Nasi isizathu sokuba uhlahlo lwabiwo-mali olungcono lwasimahla lunokuba ngumtshintshi womdlalo kuye nabani na ojonge ukufumana imali yakhe ngokulandelelana:

Ukulandelelwa ngokulula kweendleko: 

I-app yohlahlo lwabiwo-mali ithatha uqikelelo ekulandeleni inkcitho yakho. Ngokuhlela yonke into ethengiweyo, unokubona kanye ukuba yimalini oyichitha kwizinto ezifana negrosari, ulonwabo, kunye namatyala. Oku kwenza kube lula ukuchonga iindawo onokuthi unciphise kuzo.

Ukumisela kunye nokuPhunyelelwa kweenjongo zeMali: 

Nokuba igcina iholide, imoto entsha, okanye ingxowa-mali kaxakeka, uhlahlo lwabiwo-mali lukuvumela ukuba usete iinjongo zemali kwaye ujonge inkqubela yakho. Ukubona ukonga kwakho ukhula kunokuba yinkuthazo enkulu yokunamathela kuhlahlo lwabiwo-mali lwakho.

Ifanelekile kwaye isebenziseka lula: 

Uninzi lwethu luphatha ii-smartphones zethu kuyo yonke indawo, nto leyo eyenza uhlahlo lwabiwo-mali lube lula kakhulu. Ungayijonga imali yakho nanini na, naphi na, ukwenza kube lula ukwenza izigqibo ezinolwazi malunga nenkcitho ekuhambeni.

Izilumkiso kunye neziKhumbuzi: 

Ulibele ukuhlawula ityala? I-app yohlahlo lwabiwo-mali inokukuthumela izikhumbuzo zemihla emiselweyo okanye ikwazise xa uza kuchitha ngaphezulu kudidi. Oku kukunceda ukuba uphephe imirhumo kade kwaye unamathele kuhlahlo lwabiwo-mali lwakho.

Izimvo eziBonakalayo: 

Iiapps zohlahlo lwabiwo-mali zihlala ziza neetshathi kunye neegrafu ezenza kube lula ukujonga impilo yakho yezemali. Ukubona umvuzo wakho, iindleko, kunye nogcino lwakho ngokubonakalayo kunokukunceda ukuba uqonde imeko yakho yezemali ngokukhawuleza.

Eyona Apps yoHlahlo-lwabiwo mali yasimahla ngo-2024

• YNAB: Eyona app yohlahlo lwabiwo-mali simahla Abantu abazinikele kulawulo olusebenzayo, olujolise kwiinjongo
• Kulungile: Eyona app yohlahlo lwabiwo-mali simahla Izibini, iintsapho, abafundi ababonwayo
• IPocketGuard: Eyona app yohlahlo lwabiwo-mali simahla Abantu abatyekele kwi-Ovadrafti, iimbono zexesha lokwenyani
• Inyosi: Eyona app yohlahlo lwabiwo-mali simahla Amaqabane afuna ukungafihli kunye nentsebenziswano

1/ YNAB (Ufuna uHlahlo-lwabiwo-mali)-IiApps zoHlahlo-lwabiwo-mali eziBalaseleyo zasimahla

I-YNAB lusetyenziso oludumileyo olunconywayo ngendlela yayo ekhethekileyo yohlahlo lwabiwo-mali: uhlahlo lwabiwo-mali olusekwe ku-zero. Oku kuthetha ukuba yonke idola efunyenweyo yabelwa umsebenzi, ukuqinisekisa ukuba umvuzo wakho ugubungela iindleko kunye neenjongo zakho. 

Uzamo lasimahla: Ixesha lovavanyo lweentsuku ezingama-34 zokuphonononga amandla alo apheleleyo.

eziluncedo:

• Uhlahlo-lwabiwo-mali olusekwe kungabikho nto: Ikhuthaza inkcitho enenkathalo kwaye ithintele ukusebenzisa kakhulu.
• IsiNxulumanisi esinoMsebenzi: Ibukeka inomtsalane kwaye kulula ukuhamba.
• Umiselo lweNjongo: Misela iinjongo zemali eziphathekayo kwaye ulandele inkqubela phambili ngokufanelekileyo.
• Ulawulo lweTyala: Ibonelela ngezixhobo zokubeka phambili nokulandela ukuhlawulwa kwamatyala.
• Ungqamaniso lweakhawunti: Idibanisa neebhanki ezahlukeneyo kunye namaziko emali.
• Izixhobo zezemfundo: Ibonelela ngamanqaku, iindibano zocweyo kunye nezikhokelo malunga nolwazi lwezemali.

bendlela:

• Iindleko: Amaxabiso asekelwe kubhaliso (ngonyaka okanye ngenyanga) anokuthintela abasebenzisi abakhathalela uhlahlo lwabiwo-mali.
• Ungeniso Ngesandla: Ifuna ulwahlulo olwenziwa ngesandla lwentengiselwano, enokuthi abanye bayifumanise iyadika.
• Iimpawu zasimahla eziMdano: Abasebenzisi basimahla baphoswa kukuhlawula ibhili kunye nokuqonda kweakhawunti.
• Ijika lokuFunda: Ukuseta okokuqala kunye nokuqonda uhlahlo lwabiwo-mali olusekwe kwi-zero kunokufuna inzame.

Ngubani omakathathele ingqalelo iYNAB?

• Abantu ngabanye bazibophelele ekulawuleni kakuhle iimali zabo.
• Abantu abafuna indlela yohlahlo lwabiwo-mali ecwangcisiweyo nejolise kwiinjongo.
• Abasebenzisi bakhululekile ngokungena kwedatha ngesandla kwaye bazimisele ukutyala imali ekubhaliseni okuhlawulelwayo.

2/ Goodbudget-Eyona ndlela yoHlahlo lwabiwo mali yamaApps

I-Goodbudget (eyayisakuba yi-EEBA, i-Easy Envelope Budget Aid) lusetyenziso lohlahlo lwabiwo-mali oluphefumlelwe inkqubo yemvulophu yemveli. Isebenzisa "iimvulophu" ezibonakalayo ukwaba umvuzo wakho kwiindidi ezahlukeneyo zenkcitho, zikunceda ukuba uhlale usendleleni kwaye uphephe ukuchitha ngaphezulu. 

Isicwangciso esiSiseko samahala: Ibandakanya iimpawu ezingundoqo ezifana nemvulophu, iinjongo, kunye nohlahlo lwabiwo-mali ekwabelwana ngalo.

eziluncedo:

• Inkqubo yemvulophu: Indlela elula necacileyo yokulawula imali, ilungele abafundi ababonakalayo.
• Uhlahlo lwabiwo-mali oludityanisiweyo: Ilungele izibini, iintsapho, okanye abahlali ukuba babelane kwaye balawule uhlahlo lwabiwo-mali kunye.
• Iqonga elinqamlezileyo: Iyafikeleleka ngewebhu, iOS, kunye nezixhobo ze-Android zongqamaniso olungenamthungo.
• Izixhobo zezemfundo: Izikhokelo kunye namanqaku malunga nohlahlo lwabiwo-mali kunye nokusetyenziswa kwenkqubo yemvulophu.
• Bucala-Igxile: Akukho ntengiso kwaye ayidibanisi ngqo kwiiakhawunti zebhanki.

bendlela:

• Ungeniso Ngesandla: Ifuna ulwahlulo lwentengiselwano ngesandla, enokutya ixesha.
• Kugxilwe kwimvulophu: Isenokungafanelanga abasebenzisi abakhetha uhlalutyo lwemali oluneenkcukacha.
• Iimpawu zasimahla eziMdano: Isicwangciso esisisiseko sithintela iimvulophu kwaye asinazo iimpawu zokunika ingxelo.

Ngubani omawuthathele ingqalelo iGoodbudget?

• Abantu okanye amaqela amatsha kuhlahlo lwabiwo-mali afuna indlela elula nebonakalayo.
• Izibini, iintsapho, okanye abahlala nabo bafuna ukuphatha imali ngokubambisana.
• Abasebenzisi bakhululekile ngokungena ngesandla kunye nokubeka phambili iinjongo zemali ekwabelwana ngazo.

3/ I-PocketGuard-Eyona ndlela ilungileyo yoHlahlo-lwabiwo mali yasimahla

I-PocketGuard sisicelo sohlahlo lwabiwo-mali esaziwa ngokujongana nomsebenzisi, izilumkiso zokuchitha ixesha lokwenyani, kwaye ugxininise ekuthinteleni ukuhlawula imali eninzi. 

eziluncedo:

• Ixesha lokwenyani lokuchitha ulwazi: Fumana izaziso ngoko nangoko malunga namatyala azayo, imingcipheko yokuchitha ngaphezulu, kunye neentlawulo zobhaliso.
• Ukukhuselwa kwe-Overdraft: I-PocketGuard ichonga imali engaphezulu enokubakho kwaye icebisa iindlela zokuziphepha.
• Ukhuseleko lwezeMali: Izicwangciso zePremium zibonelela ngokujongwa kwetyala kunye nokhuseleko lobusela besazisi (e-US kuphela).
• Ujongano Olulula: Kulula ukuzulazula nokuqonda, nakubaqalayo uhlahlo lwabiwo-mali.
• Amanqaku asimahla: Ukufikelela kungqamaniso lweakhawunti, izilumkiso zenkcitho, kunye nezixhobo ezisisiseko zohlahlo lwabiwo-mali.
• Umiselo lweNjongo: Yila kwaye ulandelele inkqubela kwinjongo zemali.
• Ukukhangelwa kweBhili: Beka iliso kumatyala azayo kunye nemihla emiselweyo.

bendlela:

• Iimpawu zasimahla eziMdano: Abasebenzisi basimahla bayaphoswa kukuhlawula ibhili ezenzekelayo, ukuhlelwa kweendleko, kunye nezilumkiso ezinokwenzeka.
• Ungeniso Ngesandla: Ezinye iifitsha zinokufuna ukwahlulahlula ngokwezandla iitransekshini.
• US-kuphela: Okwangoku ayifumaneki kubasebenzisi abangaphandle kwe-United States.
• Uhlalutyo lwemali olunyiniweyo: Ukunqongophala kohlalutyo olunzulu xa kuthelekiswa nabanye okhuphisana nabo.

Ngubani omele athathele ingqalelo iPocketGuard?

• Abantu abatyekele ekuchitheni imali ngokugqithisileyo bafuna izilumkiso nezikhokelo.
• Abasebenzisi bafuna i-app elula necacileyo yohlahlo lwabiwo-mali enolwazi lwenkcitho yexesha lokwenyani.
• Abantu banenkxalabo malunga ne-ovadrafti kunye nokukhuselwa kwemali (izicwangciso zeprimiyamu).
• Abantu bakhululekile ngokungena ngesandla kunye nokubeka phambili ukuphepha i-overdraft.

4/ I-Honeydue-Eyona ndlela yoHlahlo lwabiwo-mali yeApps yasimahla

I-Honeydue yi-app yohlahlo lwabiwo-mali ngokukodwa eyenzelwe izibini ukulawula iimali zabo ngokudibeneyo. 

Isicwangciso esiSiseko samahala: Ukufikelela kwiimpawu ezingundoqo ezifana nohlahlo lwabiwo-mali oludibeneyo kunye nezikhumbuzo zebhili.

eziluncedo:

• Uhlahlo lwabiwo-mali oludityanelweyo: Omabini amaqabane angajonga zonke iiakhawunti, iintengiselwano, kunye nohlahlo lwabiwo-mali kwindawo enye.
• Inkcitho yomntu ngamnye: Iqabane ngalinye linokuba neeakhawunti zabucala kunye neendleko zokuzimela ngokwasezimalini.
• Izikhumbuzi zeBhili: Misela izikhumbuzo ngamatyala azayo ukunqanda imirhumo kade.
• Umiselo lweNjongo: Yenza iinjongo zezimali ekwabelwana ngazo kwaye ulandele inkqubela phambili kunye.
• Real-time Updates: Omabini amaqabane abona utshintsho ngokukhawuleza, ukukhuthaza unxibelelwano kunye nokuphendula.
• Ujongano Olulula: Uyilo olusebenziseka lula kunye nolunembileyo, nakubaqalayo.

bendlela:

• Iselula-Kuphela: Akukho app yewebhu ekhoyo, inciphisa ukufikelela kwabanye abasebenzisi.
• Iimpawu eziNcinane kuMntu ngamnye: Ijolisa kuhlahlo lwabiwo-mali oludibeneyo, oluneempawu ezimbalwa zolawulo lwemali yomntu ngamnye.
• Ezinye iiGlitches zixeliwe: Abasebenzisi banike ingxelo yeempazamo ngamaxesha athile kunye nemiba yongqamaniso.
• Umrhumo ofunekayo kuninzi lweempawu: Izicwangciso ezihlawulweyo zivula iimpawu ezibalulekileyo ezifana nongqamaniso lweakhawunti kunye nokuhlawula ityala.

Ngubani omele acinge ngeHoneydue?

• Izibini ezifuna indlela engafihliyo nentsebenziswano kuhlahlo lwabiwo-mali.
• Abasebenzisi bakhululekile nge-app yeselula kuphela kwaye bazimisele ukunyusela izinto eziphambili.
• Abantu abatsha kuhlahlo lwabiwo-mali abafuna ujongano olulula nolucacileyo.

isiphelo

Ezi zixhobo zohlahlo lwabiwo-mali zingcono simahla zibonelela ngeempawu ezahlukeneyo ukuze zihambelane nezinto ezikhethwayo ezahlukeneyo, zikwenza kube lula kunangaphambili ukuthatha ulawulo lwemali yakho ngaphandle kokuchitha imali eyongezelelweyo kwimirhumo yobhaliso. Khumbula, isitshixo kuhlahlo lwabiwo-mali oluyimpumelelo kukungaguquguquki kunye nokufumana isixhobo oziva ukhululekile ukusisebenzisa yonke imihla.

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Ref: Forbes | CNBC | Fortune icebisa