Ukugcina imali akusoloko kulula, kodwa ngamanye amaxesha kuyenzeka. Singagcina ii-euro ezimbalwa nanini na xa sithelekisa amaxabiso wentengo esifuna ukuyenza, konke ngaphambi kokuthatha isigqibo kwimveliso enye okanye enye. Zininzi izicelo esivumela ukuba sigcine imali elungileyo ekupheleni kwenyanga.
Ukulawula inkcitho kuhamba ngokwamaxesha athile, ukufikelela ekupheleni kwenyanga ngamanye amaxesha kubiza amaxesha ngamanye ngaphezulu kunabanye, ke ukolula umvuzo wethu kukuthenga izinto esizisebenzisa yonke imihla. Kulawulo ngokubanzi, usetyenziso olukuvumela ukuba ubone inkcitho yemihla ngemihla lusemthethweni, ngeveki nangenyanga.
Ibhokisi yeMali
Isicelo sokugcina saseBritane ngoku sikwakho eYurophu ukulawula zonke iindleko kunye nokuthenga esikwenzayo mihla le. Yisicelo esiza kufuna unxibelelwano nebhanki okoko nje uyazi zonke iintshukumo ukwenza ibhalansi ngokubanzi.
Ukuba ufuna ukugcina njengenjongo, usetyenziso lusivumela ukuba simisele iinjongo kwaye wenze ngokwezifiso amaxesha okugcinwa kunye nezikhumbuzi ukuba ufuna ukwenza igalelo elinye. Ibhokisi yeMali iya kukunika ithuba lokutyala imali oyigcinileyo kwingxowa, esitokisini nakwizicwangciso zepenshini.
Ukusetyenziswa kwesicelo simahla, nangona usebenzisa iinkonzo zeBhanki yeMali iya kusihlawulisa malunga ne-1,10 euro ngenyanga ngayo. Ulawulo olukhulu lwe-app luyenza ibe yenye yezona zixhobo zibalaseleyo zokonga imali, ngakumbi ukunxibelelana neakhawunti yethu kunye nokujonga yonke into ukusuka ekuqaleni ukuya ekupheleni kwenyanga.
Iingqekembe zemali
Ngokugcinwa kweCoinscrap iya kuba ngumcimbi wokubeka iinjongo kunye nokuseta indlela yokonga eyona isiqinisekisayo kwasekuqaleni. Ukuqala ukuyisebenzisa, iapps iya kusibuza imibuzo yokuqala esibhozo, yonke kufuneka iphendulwe ukuseta iprofayile kwisixhobo.
Nje ukuba uphendule imibuzo, amandla okonga kunye neenjongo ezinokufikelelwa ziya kunceda usetyenziso, koku kufuneka ukongeza iakhawunti yokutshekisha kunye nekhadi letyala ukuze ulilawule. I-Coinscrap yenza ukubala ngeveki ukujikeleza kwaye siyigqithisele kwi-inshurensi yobomi esinokuthi sirhoxise kuyo isixa ukuba uyafuna.
I-Coinscrap inezibambiso kunye nexesha lokufaka, kubalwa kulondolozo ngemithetho ebekwe sisixhobo wakuba usifakile. Sesinye sezona zicelo zibalaseleyo zokugcina imali, kuba iya kulawula i-euro ngeyuro oyichithileyo, kunye nento eseleyo. Yinkqubo yasimahla.
Isithethi
Isithethi siya kugcina inkcitho yakho, uhlahlo-lwabiwo mali kunye nokonga Ukuza kuthi ga ngoku, inesicwangciso somsebenzisi kunye nosapho. Phakathi kweempawu zayo eziphambili ngumvuzo kunye nenkcitho ye-infographic, yenza iipotifoliyo ekwabelwana ngazo nosapho kunye nabahlobo, kunye nokunye okuninzi.
Isicelo sikwimali ezininzi, silungele ukucwangcisa naluphi na uhambo okanye iholide ocinga ukuzenza kwiinyanga ezizayo. Ukuba ufuna ukwenza isicwangciso sosapho esingqongqo ungasilungisa nanini na xa ufuna kwaye iya kulawula umvuzo kunye nenkcitho yakho yonke imihla.
Kwigrafu iya kusibonisa umvuzo kunye nenkcithoKoku kufuneka singenise ezi datha zimbini ngesandla, kunokuba nzima, kodwa kuyasebenza. Isicelo simahla kwaye sele sigqithile kwisigidi sokukhutshelwa okoko kwasungulwa ingxelo yokuqala.
I-Fintonic
Isicelo seFintonic siqhelekileyo xa kufikwa kumba wokonga imali, kuba yenye yezona zinto zigqibeleleyo kunye nokhetho olukhethiweyo ngabasebenzisi. Isenza ukuba silinganise umvuzo, iindleko kunye nokusibonisa inqaku letyala, ngakumbi ukwazi ukuba iibhanki zicinga ntoni ngemeko yezoqoqosho.
Nje ukuba ufake idatha yakho yezemali, uFintonic uya kukwazisa ngayo nayiphi na intshukumo enokwenziwa yiakhawunti yakho, iya kukubonisa isaziso ukuba iakhawunti ikufutshane nokuba incinci ukuze bangakuqhayisi ngeekhomishini. Ukuba ufumana iintlawulo kunye neekomishini, ziya kukubonisa isaziso phezulu ngomyalezo.
Inkqubo yeFintonic ifuna ubhaliso nge-imeyile kunye nezitshixo zebhanki yakho ukuze ukwazi ukulawula yonke into ngesandla sokuqala. Yenye yeapps elawula kakuhle ubume beakhawunti yakho kwaye iyafumaneka simahla kwi-Android.
oingz
Ukuba ujonga usetyenziso olulawula yonke into ngokulula kwaye ujongano olunomdla sisixhobo obukade usikhangela. U-Oingz uyakukucela idatha ukuba uzifake ngesandla ngaphandle kwesidingo sokuba ungqamane nebhanki yakho.
Injongo ka-Oingz kukugcina imali ngokufanelekileyoLawula iindleko zakho ngokungena nganye kuzo yonke imihla kwaye kuya kubakho ibhalansi ekupheleni kweveki kunye nenye inyanga. Ukuba uyaphambuka kwisicwangciso esisikhokelo, siya kukucebisa ngento ongafanele uyenze kunye nento onayo phambi kwakho ukuba uphinde uyifumane.
Enkosi kwidatha oyinikezelayo, u-Oingz uya kukwazi ukuba ucebise iinjongo, phakathi kwabo kukuzama ubuninzi ngokuhlawula amatyala, iindleko zokutya kunye nezinye izinto ezahlukeneyo. Inokukhutshelwa okungaphezulu kwama-50.000 kwaye sinethemba lokunyuka njengoko yenye yeapps ekufanelekile ukuzama.
1 Imali
Imali ingomnye wabaphathi abalungileyo ukugcina imali ukulungiselela ukusetyenziswa ngokulula, kuba inesifundo sendlela yokuyisebenzisa xa sele sibhalisile kwaye siqala ukuyisebenzisa. Ibonisa igrafu kunye neendidi zeendleko, ukuthengiselana ngeentsuku kunye nokunokwenzeka kokudibanisa iiakhawunti zamakhadi ethu.
Nje ukuba sivule i-1Money iya kunika iinkcukacha kuyo yonke into ukuze ufumane umbono wento onokuyenza nge-app xa uyivulile kwifowuni yakho. Inokuvumelanisa idatha efini kwaye iya kunika iinkcukacha ngamathuba okonga kwizinto ozithengileyo ngeendlela ezininzi.
Njengokuba oko kwakunganelanga, usetyenziso lusibonisa igrafu yayo yonke into eyenzekayo, ukuba usuka kwinkcitho ngaphezulu kwengeniso, iya kukunika imikhondo yendlela yokunciphisa yonke into ngaphambi kokuphelelwa yimali. Isicelo sele sidlulile kwisigidi sokukhutshelwa kwaye siluncedo kakhulu kuye nabani na ofuna ukwazi imeko yeakhawunti.
Goin (Zuza ngengqekembe nganye)
I-Goin lolunye uhlobo olukhulu ukuba uceba ukugcina imali Njengoko iiveki zihamba, inika iindlela ezahlukeneyo zokonga imali. Ukuqala ukuyisebenzisa kufuneka siyivumelanise, kunye nokuqwalasela injongo kunye nokongeza iakhawunti ukongeza kwiakhawunti yakho yebhanki.
Ijikeleze ukuya kwi-euro elandelayo, ukugcinwa, oku kusinika ukhetho lokonga imali esisigxina ngeveki okanye ngenyanga kunye nokugcina ngokuzenzekelayo, oku kuya kuboniswa ngumsebenzisi, nokuba kungemihla ngemihla, ngeveki okanye ngenyanga. Imiceli mngeni yenye yeendlela ezizokumiliselwa kungekudala yile nkampani.
Ukungena ukongeza ekusiboneleleni ngolondolozo kuya kukuvumela ukuba utyale imali ekuhlanganiseni abantu, ii-cryptocurrensets (iimali ziyahluka kwaye kukho imali encinci) kunye nee-ETFs. Isicelo sinobunzima obuncinci kwaye asityi nto nokuba siyishiya ivulekile isebenza rhoqo.
I-BBVA -Gcina ngaphandle kokuyiqonda
Ukuba unayo i-BBVA njengebhanki, uya kuba nesakho isicelo sokugcina imali Ukusebenza ngaphandle kokwamkela iinjongo ezahlukeneyo rhoqo. Ukuze uyisebenzise kufuneka ube ngaphakathi kwiNkqubo yeAkhawunti yakho yeRedondeo, kuyakwanela ukuba uthethe nebhanki ngokuthe ngqo etafileni.
Ukuze uyisebenzise, udinga isicelo ukongeza kwiiakhawunti ezimbini, enye yazo iya kuba yiakhawunti eqhelekileyo yedebithi kwaye enye iya kuba yindawo apho imali iza kuyahlulahlula kwiakhawunti ephambili. Ngomzuzwana ungasebenza ngokufanayo kwaye uyigcine kwi-akhawunti ephambili.
Ngokuchanekileyo isicelo esisebenza ngokuzenzekelayo wakube ubeke amacebo okucoca ulwelo kuso, I-BBVA -Gcina ngaphandle kokuqonda ukuba iphuhlisiwe kwaye sele inabathengi abangaphezulu kwama-300.000 kulo lonke elaseSpain. Kungenxa yeSpanish kwaye ubumbeko lusisiseko, kuya kukuthatha kuphela imizuzu embalwa ukuba ufuna ukuyisebenzisa.
IArbor
I-Arbor ayinakulahleka phakathi kwezicelo zokugcina imali kwaye uyenze ukuba iphele inyanga, kuba isebenzisa indlela efanayo neCoinscrap. Ungasebenzisa ukujikeleza i-euro nganye, usete ukudluliselwa kwezinye iiakhawunti kwaye uzicel 'umngeni ukuze ufumane uninzi kumvuzo owufumanayo.
Kufuneka sibhalise ukuyisebenzisa, qhagamshela ikhadi lebhanki olisebenzisa njengesiqhelo kwaye liza kuqala ukurekhoda iindleko, sisebenzisa ukusondeza kuzo zonke. Izakusicela enye inombolo yeakhawunti ukuba siyigcine yonke loo mali siyigcinileyo ukuba isicelo senziwe kuzo zonke iiveki ezilawulwayo.
IArbor iyafana nezinye iiapps, imali esiyigcinayo singayityala kwizinto ezahlukeneyo (Iineendlela ezintathu zotyalo-mali: ulondolozo, ulungelelwano kunye nobundlongondlongo), kubandakanya notyalo-mali olukhuselekileyo, yenye yezinto ezininzi onazo xa sele uzikhuphile. Isicelo simahla kwaye siyilelwe ukufumana okungcono kwiakhawunti yakho okanye ukuba uneqela, sebenzisa ukonga kubo bonke.
