Ukonga imali akulula ngaso sonke isikhathi, kepha kwesinye isikhathi kuyenzeka. Singonga ama-euro ambalwa noma nini lapho siza ukuqhathanisa izintengo zokuthenga esifuna ukukwenza, konke ngaphambi kokuthatha isinqumo ngomkhiqizo owodwa noma omunye. Kunezicelo eziningi esivumela ukuthi songe imali enhle ekupheleni kwenyanga.
Ukulawula izindleko kuyisikhathi sonyaka, ukufinyelela ekupheleni kwenyanga kwesinye isikhathi kubiza izikhathi ezithile ukwedlula ezinye, ngakho ukunweba umholo wethu kudlula ngokuthenga izinto esizisebenzisa nsuku zonke. Kubaphathi ngokujwayelekile, izinhlelo zokusebenza ezikuvumela ukuthi ubone izindleko zansuku zonke zivumelekile, ngeviki nangenyanga.
Ibhokisi Lemali
Isicelo sokonga saseBrithani manje sesiyatholakala nase-Europe ukuphatha zonke izindleko nokuthenga esikwenza nsuku zonke. Kuyinto uhlelo lokusebenza oluzodinga ukuxhumana nebhange inqobo nje uma wazi konke ukunyakaza ukwenza ibhalansi ejwayelekile.
Uma ufuna ukonga njengenhloso, uhlelo lokusebenza lusivumela ukuthi sizibekele umgomo futhi wenze ngezifiso imvamisa yokonga kanye nezikhumbuzi uma ufuna ukwenza umnikelo wesikhathi esisodwa. IMoney Box izokunikeza nethuba lokutshala imali oyongele izimali, amasheya nezinhlelo zempesheni.
Ukusetshenziswa kohlelo lokusebenza kumahhala, noma ngabe uma usebenzisa izinsizakalo zeMoney Bank kuzosikhokhisa cishe ama-euro angu-1,10 ngenyanga ngalo. Ukuphathwa okuhle kohlelo lokusebenza kukwenza kube ngenye yezinhlelo zokusebenza ezingcono kakhulu zokonga imali, ikakhulukazi yokuxhuma ne-akhawunti yethu nokwengamela yonke into kusukela ekuqaleni kuze kube sekupheleni kwenyanga.
Izinhlamvu zemali
Ngokulondolozwa kweCoinscrap kuzoba yindaba yokubeka imigomo nokubeka indlela yokonga ekholisa kakhulu kusukela ekuqaleni. Ukuqala ukuyisebenzisa, uhlelo lokusebenza luzosibuza imibuzo eyisishiyagalombili yokuqala, yonke kufanele iphendulwe ukusetha iphrofayli kuthuluzi.
Lapho usuphendule imibuzo, amandla wokonga kanye nezinhloso ezingafinyeleleka kuzosiza uhlelo lokusebenza, kulokhu kubalulekile ukwengeza i-akhawunti yokuhlola kanye nekhadi lesikweletu elizokuphatha. ICoinscrap yenza ukubalwa kwamasonto onke ukuzungeza bese uyidlulisela kumshuwalense wempilo lapho singakhipha khona imali uma ufuna.
ICoinscrap inokubanjwa neminikelo yokugcina isikhathi, ukubala ukonga ngemithetho ebekwe yithuluzi uma usulifakile. Ingesinye sezicelo ezinhle kakhulu zokonga imali, ngoba izophatha i-euro nge-euro okusebenzisile, kanye nalokho okusele. Kuyinto lokusebenza yamahhala.
Isikhulumi
Isikhulumi sizolandelela izindleko zakho, isabelomali kanye nokonga kwakho Kuze kube manje, inokuhlela kokubili umsebenzisi nomndeni. Phakathi kwezici zayo eziyinhloko yimali engenayo nezindleko infographic, ukudala amaphothifoliyo abiwe nomndeni nabangane, kanye nokunye okuningi.
Uhlelo lokusebenza lukuzezimali eziningi, luphelele ukuhlela noma yiluphi uhambo noma iholide ocabanga ukulwenza ezinyangeni ezizayo. Uma udinga ukwenza uhlelo lomndeni oluqinile ungayilungisa noma kunini lapho ufuna khona futhi izophatha iholo lakho nezindleko zakho nsuku zonke.
Kwigrafu izosikhombisa imali engenayo nezindlekoNgalokhu kufanele ukuthi sifake imininingwane emibili ngesandla, kungahle kube yisidina, kepha kuyasebenza. Uhlelo lokusebenza lumahhala futhi seluvele lweqe ukulandwa kwesigidi selokhu kwethulwa inguqulo yokuqala.
I-Fintonic
Uhlelo lokusebenza lwe-Fintonic lwakudala uma kukhulunywa ngokonga imali, ngoba ingenye ephelele kakhulu futhi enye yezintandokazi zabasebenzisi. Kwenza ibhalansi yemali engenayo, izindleko futhi kusikhombisa amaphuzu esikweletu, ikakhulukazi ukwazi ukuthi amabhange acabangani ngesimo somnotho.
Lapho usufake imininingwane yakho yezezimali, uFintonic uzokwazisa nganoma yikuphi ukunyakaza okwenziwa yi-akhawunti yakho, kuzokukhombisa isaziso uma ngabe i-akhawunti isondele ekunciphiseni ukuze bangakutholi ngamakhomishini. Uma uthola izindleko namakhomishini, kuzokukhombisa isaziso phezulu ngomyalezo.
Uhlelo lokusebenza lwe-Fintonic ludinga ukubhaliswa nge-imeyili kanye nezikhiye zebhange lakho ukuze likwazi ukuphatha konke kuqala. Ingenye yezinhlelo zokusebenza ezilawula kahle isimo sama-akhawunti akho futhi itholakala mahhala nge-Android.
U-Oingz
Uma ufuna uhlelo lokusebenza olulawula konke kalula futhi nge-interface enembile leli yithuluzi obulifuna. U-Oingz uzokucela idatha yokuzifaka zonke ngesandla ngaphandle kwesidingo sokuthi uzivumelanise nebhange lakho.
Injongo ka-Oingz ukugcina imali kahleLawula izindleko zakho ngokufaka ngayinye yazo nsuku zonke futhi kuzoba khona ibhalansi ekupheleni kwesonto nenye ngenyanga. Uma uphambuka ngohlelo lwezandla, luzokweluleka ngokuthi akufanele wenze njalo nokuthi kusengaphambili uzolulama.
Ngenxa yedatha oyinikezayo, u-Oingz uzokwazi ukuthi uphakamise izinhloso, phakathi kwazo ukuzama okuningi ngokukhokha izikweletu, izindleko zokudla nokunye okuhlukahlukene. Inokulandwa okungaphezu kuka-50.000 futhi uthemba ukukhuphuka njengoba kungenye yezinhlelo zokusebenza okufanelekile ukuzama.
1Imali
1Money ungomunye wabaphathi abakhulu bokugcina imali ukuze kube lula ukusetshenziswa, ngoba inesifundo sokuphatha uma sesibhalisile futhi siqala ukusisebenzisa. Ibonisa igrafu enezigaba zezindleko, ukuthengiselana ngezinsuku kanye nethuba lokuxhumanisa ama-akhawunti wamakhadi ethu.
Uma sesivule i-1Money izocacisa yonke into ukuze uthole umbono ongakwenza ngohlelo lokusebenza uma usulivule efonini yakho. Inokuvumelanisa kwedatha efwini futhi izonikeza imininingwane ngamathuba wokonga ekuthengeni kwakho ngezindlela eziningi.
Njengokungathi lokho bekunganele, uhlelo lokusebenza lusikhombisa igrafu yakho konke okwenzekayo, uma usuka ezindlekweni ngaphezu kwemali oyitholayo, izokunikeza izinkomba zokuthi ungakunciphisa kanjani konke ngaphambi kokuphelelwa yimali. Uhlelo lokusebenza seluvele lweqe ukulandwa kwesigidi futhi luwusizo kakhulu kunoma ngubani ofuna ukwazi isimo sama-akhawunti.
I-Goin (Zuza ngemali ngayinye)
IGoin enye indlela enhle uma uhlela ukonga imali Njengoba amasonto edlula, inikeza izindlela ezahlukahlukene zokonga imali. Ukuqala ukuyisebenzisa kufanele sikuvumelanise, futhi silungiselele inhloso bese sengeza i-akhawunti ngaphezu kwe-akhawunti yasebhange.
Inokusondela ku-euro elandelayo, ukugcinwa, lokhu kusinika inketho yokonga imali engaguquki njalo ngeviki noma ngenyanga nokonga okuzenzakalelayo, lokhu kuzokhonjiswa ngumsebenzisi, kungaba nsuku zonke, masonto onke noma ngenyanga. Izinselelo zingenye yezinketho ezizosetshenziswa maduzane yinkampani.
IGoin ngaphezu kokusinikeza ukonga izokuvumela ukuthi utshale imali ekuhlanganiseni abantu abaningi, ama-cryptocurrensets (izimali ziyahlukahluka futhi kukhona utshalomali oluncane) nama-ETFs. Uhlelo lokusebenza lukala kancane futhi aludli lutho uma silushiya luvulekile lusebenza njalo.
I-BBVA - Gcina unganakile
Uma une-BBVA njengebhange, uzoba nesakho isicelo sokonga imali Ukuzikhandla ngokwamukela njalo imigomo ehlukile. Ukuze uyisebenzise kufanele ube ngaphakathi koHlelo i-Akhawunti yakho yeRedondeo, kuzokwanela ukukhuluma nebhange ngqo etafuleni.
Ukuze uyisebenzise, udinga uhlelo lokusebenza ngaphezu kwama-akhawunti amabili, enye yazo kuzoba i-akhawunti ejwayelekile yokudonswa kwemali kanti enye kuzoba yindawo lapho imali izoya khona ukuyihlukanisa ne-akhawunti enkulu. Ngesibili ungasebenza ngokufanayo futhi ube nakho ukuyofaka kwi-akhawunti eyinhloko.
Kunjalo impela uhlelo lokusebenza olusebenza ngokuzenzekelayo uma ubeka izihlungi kuso, I-BBVA - Gcina ngaphandle kokuqaphela ukuthi ithuthukisiwe futhi isivele inamakhasimende angaphezu kuka-300.000 kulo lonke elaseSpain. KuseSpain futhi ukucushwa kuyisisekelo impela, kuzokuthatha kuphela imizuzu embalwa uma ufuna ukuyisebenzisa.
Arbor
I-Arbor ibingalahlekile phakathi kwezicelo zokonga imali futhi ukwenze kuze kube sekupheleni kwenyanga, ngoba isebenzisa indlela efanayo ne-Coinscrap. Ungasebenzisa ukuqoqela i-euro ngayinye, setha ukudluliselwa kwamanye ama-akhawunti bese uziphonsela inselelo ukuze uthole okuningi emholweni owutholayo.
Sidinga ukubhalisela ukulisebenzisa, sixhumanise ikhadi lasebhange olisebenzisa njengenjwayelo futhi lizoqala ukurekhoda izindleko, sisebenzisa ukusihlanganisa sonke. Izosicela ukuthi sinikeze enye inombolo ye-akhawunti ukuthi ifake konke lokho kulondolozwa ukuthi uhlelo lokusebenza lwenziwa kuwo wonke amasonto aphethwe.
I-Arbor iyafana nezinye izinhlelo zokusebenza, imali esiyongayo singayitshala ezintweni ezahlukene (Inezinhlobo ezintathu zokutshala imali: olondolozayo, olinganiselayo nonolaka), kufaka phakathi utshalomali oluphephile, okungenye yezinto onazo uma usululanda. Uhlelo lokusebenza lukhululekile ngokuphelele futhi lwenzelwe ukuthola okuningi ku-akhawunti yakho noma uma uneziningana, sebenzisa ukonga kubo bonke.
