Pane sangano kunze uko kune chinangwa chebhajeti
Budget . Izwi rinoita kuti vanhu vazhinji vagovhunduka. Kubhadhara bhadha kune chinyorwa chekuti zvose zvinotyisa uye zvinonetsa, uye zvinounza mupfungwa maitiro ezvokuzvidzivirira.
Iwe pachako bhajeti mapurogiramu mapurogiramu mapurogiramu haakwanise kubatsira zvakawanda neavo-kushaya-mari yako ndeyezvaari uye zviri kwauri kuti ushande mukati maro kana kuchinja. Asi izvi zvakanakisisa kusarudza sarudzo zvinogona kutora dambudziko uye dambudziko kunze kwekugadzirisa bhajeti. Vanogona kukubatsira iwe kusika uye kubatisisa purogiramu yekushandisa, uye vazhinji vanouya nemamwe maitiro akawedzerwa akawedzerwawo zvakare, zvichienderana nezvamunoda.
01 Unoda bhajeti (YNAB)
Rudo runozivikanwa seYNAB, Unoda Bhijititi haisi iyo inonyanya kuzivikanwa yega yega mari yemari. Inenge ine kereke yega inotevera inotevera.
Iko kushandurwa kwezvino kweYNAB inotakura mumamiriro ezvinhu akawanda nekuvandudzika pane zvinyorwa zvekare, uye chaizvoizvo inodzidzisa mamwe maitiro ehuwandu ehuwandu hwemari. Inotanga paWindows uye Mac uye inogadzirisa dhigirii pakarepo. Mabhadharo anogona kugoverwa pakati pevashandisi vakawanda.
Inogona kunge iri imwe yezvinhu zviri nyore zviri kunze uko, uye izvo zvinogona kuenzanisirwa nechokwadi chokuti yakagadzirirwa kugadzirisa matanho. Kana iwe wakaedza kubhadharira munguva yakapfuura uye wakakundikana, iyi ingangodaro iri purogiramu yako. Hazviremedzeri nehuzhinji hwakaoma zvinhu zvausingadi iwe chete, uye iwe unogona kuina chikwangwani chekudzidzira paIndaneti nemudzidzisi chaiye weupenyu kana iwe uchida rubatsiro. Kukundikana hakusi kwechisarudzo nokuti purogiramu inouya ne "mhinduro yevamwe shamwari" iyo ichashambadza mureza mutsvuku iwe kana iwe ukatsauka kubva kubhadharo yawakagadzira.
YNAB ishanduro-based program, asi inopawo Android uye iPhone mapurogiramu anonyanidza data kudesktop yako. Zvinodhura madhora makumi mashanu pagore kubva muna 2017.
02 Mafuro
Mavupukamu anonyatsobudiswa paIndaneti nezvemari yemari yega yega inobva pane yekare ye " envelopu budgeting " yepamusoro-isa mari yako mune maevelopputi, chengetera envelope yekuti chii chiripo, uye kana yaenda, yaenda, zvisati zvasvika kusvikira iwe uchitevera payday. Iwe haufaniri kukwereta kubva ku "vhupurupi" yezvokudya kana "vhupfeko" yako yakave yakapera. Mafuputi anongogadzira mavulopu enyu digital. Apo vhokupepe yako isina chinhu, purogiramu yacho ichaiisa iyo yakatsvuka.
Mabhupu anowanzoshandisa mafoni apps eIndaneti uye iPhone, uye unogona kuyananisira kubhengi rako rose uye maakaunti ekwereti. Iwe unogona kusarudza kubva kumatatu mavhesi zvichienderana nehuwandu hwemari yekuda mari uye unyanzvi: Mavhumu, Mavumburu Coaching, uye Mafuvhuti Premier. Yokutanga yakasununguka, asi imwe yacho mbiri inobhadhara-based.
03 Kurumidza
Hapana urongwa hwehupfumi hwemari uye mapurogiramu ekugadzirisa bhajeti yakakwana pasina kukwanisa kutaurwa pamusoro pa Quicken, uye nechikonzero chakanaka. Iri purogiramu rinenge risati rasvika munguva yekombiyuta-yakange iri mune imwe shanduro kana imwe kubva muna 1983.
Izvozvo zvakati, zvakangoita zvekare-kare mune dzimwe nzira. Iyo yakaisa muitiro kuitira kuti iite zvinhu zvose zvinokosha zvaungatarisira kuti chirongwa chebhajeti chiite, uye chinovaita zvakanaka. Asi kunyange zvazvo Quicken inokubvumira kuti uenzanise nebhangi rako nekodhadhi dzekwereti, hazviiti kwauri iwe kamwechete semamwe mapurogiramu. Iwe unofanira kuzvibvunza.
Kurumidzai hakusi browser-based Internet program. Iwe unofanirwa kutenga iyo software uye kuiisa iyo paPC yako kana Mac. Zvichienderana neshanduro inonyatsoenderana nezvido zvako, uchapedza chero kupi zvako kubva pa $ 40 kusvika ku $ 120 kubva muna 2017. Mac version inenge inenge $ 75. Asi zvisinei iwe unosangana nehutano hwako haugoni kuve nehuwandu hwemashambadziro epap-up uye mabhendi.
04 Mint
Mint isiriwo inonyanya kuzivikanwa uye yakakurumbira purogiramu, uye inogovera zvinhu zvakasiyana zvakafanana na Quicken. Intuit imwechete yaAprien, saka yakatenga Mint muna 2009-saka zvakafanana. Asi Mint yakasiyana neKutsvaga mune imwe nzira inokosha inokosha: Kwakasununguka.
Zvechokwadi, izvi zvinoreva kuti unofanira kutarisana nezvakawanda zvekutengesa, asi iwe uchawana zvese zvakafanana zvakakosha zvaunogona kuwana nemumwe mushandi. Iko inokubvumira kuti ubatane nebhangi rako nevakweretesi. Iyo inokutumira iwe nyevero kana zvikwereti zvinokonzerwa. Dashboard iri nyore kunzwisisa uye kufamba.
Kana iwe uri mufananidzo unofambisa zvinodzvinyirirwa zvebhajeti risina kuchinja, unogona kuda iyi. Hazvipikiri chibharo chako kusvika kune imwe yega yega inokosha, saka unenge uine mafungiro. Chikumbiro chakanzwa ndechekuti Mint "anosarudza" zvimwe zvikamu zvebhajheti yako kwauri, zvakadai sokuti iwe unogona sei / unofanira kupedza pazvivaraidzo zvinoenderana nemari yako. Asi iwe unogona kudarika zvinyorwa izvi uye uzvigadzirire iwe pachako nemiganhu.
Zvinonziwo nguva shoma yekugadzirisa, asi bhadhiyo yekuti bhadhiyo inofanira kumira pano mushure mokunge musimhanya uye muchimhanya.
05 CountAbout
CountAbout is browser-based and offers two versions: Basic, iyo yakakosha zvikuru mazano ekubhajisa, uye Premium, iyo ine mamwe mabhero uye nyori. Yokutanga inodhura madhora gumi pagore kubva muna 2017, uye Premium ichakudzingirira madhora makumi mana pagore.
Kana iwe uchida purogiramu iyo inowanzobatanidza kune yako yezvemari uye inotora zvinyorwa zvako, enda nePeum Premium. Inopa hukama kune mabhanki anopfuura 12,000, vatengi, uye madhipatimendi. Nheyo huru inokubvumira kutumira kutengesa kwako kubva kune dzimwe nzvimbo, asi iwe unofanira kutora matanho kuti uzviite iwe pachako.
Kunyorera: Haugoni kushandisa purogiramu iyi kubhadhara zvikwereti zvako paIndaneti. Idzimusoro: Kubva muna 2017, iyi ndiyo chete yega yega inokubvumira kutumira data kubva Mint uye Quicken, uye inopa simba risina kukwanisa kugadzirisa zvikwereti zvako zvakare.
06 Money Dance
Iyi purogiramu inonyanya kukosha yeAppen app yevashandi ve Mac. Inoita zvinhu zvose zvinokurumidza kuita uye mamwe mabasa akawanda, zvichikubatsira kuti ugadzire bhajeti uye kurira ma alarms apo mabhiriro ari kuuya nekuda. Inokuita kuti uite magati nemagrafu kuti ubatsire kutarisa mari yako. Musha wepamba inonyatsotsanangurwa yemamiriro ako emari aripo.
Inobatanidzawo zvinhu zvishoma izvo zvisiri zvose zvehupfumi hwebasa rekugadzirisa zvinhu zvinopa. Mari Dhadharo inochengetedzawo mari yako, uye inokuratidza kuti kuchinja kwemwedzi mumutengo wako kunokosha. Izvo zvingave zvisina kukodzera kugadzirisa bhajeti, asi zvine zvakawanda zvokupa vamwe vatariri vemari vane ruzivo. Inodhura ne $ 50 kubva muna 2017.
07 LearnVest
Iyi purogiramu inoda chikamu chekutsvaga kwekufambisa uye zvichida yakawanda kupfuura yevhareji kutanga bhadhadha inoda. Hongu, inosanganisira zvose zvinowanzoitwa mari yekugadzirisa mari, asi inotarisirwa kuita nekugadzira chirongwa chezvemari.
DzidzaVest inosanganisira kushandisa mari yekushandisa mari uye kugona kune mupi wezano kuti akubatsire pamwe chete kana une mibvunzo. Iwe uchabhadhara zvakadini izvozvi zvose? I Premium version inenge $ 300 mberi mberi kwe 2017, uye iwe uchabhadhara $ 20 pamwedzi kuitira web-based subscription pamusoro pezvo.
08 Mhuri Yomunhu
A software app, Personal Capital yakaisvonaka yakakurumbira uye inopa zvakawanda zvezvinhu zvinoita kuti ive chisarudzo chakanaka kune chero ani zvake.
Icho bhaari yekubhadha inokubvumira kutumira kutengesa kubva kumakero ako akasiyana, sekufanana nevamwe vakawanda. Zvinosuruvarisa, hazvibvumi kuti iwe ugadzire iwe pachako bhajeti zvikamu. Iwe wakanyatsotarisana nehurongwa rune app inopa. Izvi zvingada kuderedzwa zvishoma-kupiko kunamatira mari yekuchengetedza nyika yako ye-in-art aquarium? Mushure mokunge mawana izvozvo, zvakadaro, unogona kugadzira chati dzakawanda zvekushandisa uye kuchengetedza uye kuenzanisa bhajeti yako kubva kwevhiki imwe kana mwedzi mumwe kuenda kune inotevera. Uye Personal Capital inewo dashboard inoshamisa.
Iyi purogiramu yakanyatsokodzera kune avo vanoda kukura fuma yavo. Iyo inochengetedza mutevedzeri wako uye inosanganisira kushandisa mari yekushandisa iyo ichakubvumira kuti uone Dow Jones uye S & P 500, pamwe chete nekuchinja kunofananidzwa mune rako pachako. Iko inotarisa mari yaunobhadhara kune vatengesi uye ichakubata iwe pafudzi kana ichitanga kuonekwa kuti ungada kubhadhara pane imwe nzvimbo yekutsvaga uye funga nezvekuisa mari yako kune imwe nzvimbo.
Zvinotoshamisa kuti iyi purogiramu isingabhadhari, kunyange zvazvo iwe unogona kutenga purogiramu yepayimusi yekuchengetwa kwevanhu zvakanyanya.
09 Acorns
Acorns yakafanana nemubereki akachenjera, anodzivirira kupfuura purogiramu yebhajeti. Zvakanaka chaizvo. Iyo inonyatsochengetedza uye inokutsinhanisa kuchinja kwako kwega iwe. Iwe unogamuchira ... matanda anokura kuva maoki ane simba.
Iri purogiramu inotevera kadhi yako yekwereti uye debhengi uye inovakomberedza kusvika kudhora raive pedyo, zvino inopa mutsauko iwe iwe mune mari yakachengeteka-yekutengesa mari mune imwe yemaportfoliyo mashanu akagadzirirwa aunogona kusarudza. Kana ukashandisa $ 69.20 padare rekudya, Acorns ichatsinhanisa masentimita 80 kuEFF yako. Izvozvo zvakadini nokuda kwokuponesa kusina marwadzo?
Iwe pachako haungasaraswi mari uye iwe hauzombofaniri kubvisa mari yako yekuchengeta purogiramu yacho. Iko inongoda mari $ 1 pamwedzi kusvikira chikwereti chako chinokonzera $ 5,000, zvino inotora 0,255 muzana yemari yako. Kana iwe ukaitika kuva mudzidzi wekoroji, yakasununguka. Kusiyana kweiyo kune $ 30 kusvika $ 180 pamwedzi iyo Acorns inoti ichengetedze kune umwe neumwe anonyora.
Iwe hausi wekutsvaga kubhadhara mari ye "round-ups" kana. Iwe unogona kudyara imwe mari kuburikidza ne-app pamwe chete, kusvika ku $ 30,000 lump sums. Acorns iri web-based uye inowanikwawo kune iPhone uye Android.