Iluphi uhlelo lokusebenza lwezezimali lomuntu siqu olungcono kakhulu?

Ikhaya » Izinhlelo zokusebenza ezinhle kakhulu » Iluphi uhlelo lokusebenza lwezezimali lomuntu siqu olungcono kakhulu?

Kunezizathu eziningi zokuthi kungani abantu bangadinga uhlelo lokusebenza lwezezimali lomuntu siqu. Abanye abantu kungase kudingeke balandelele indlela abasebenzisa ngayo imali nemali engenayo ukuze bahlale kubhajethi, abanye kungase kudingeke balawule izikweletu zabo kanye nokutshalwa kwezimali, kanti abanye bangase bafune indlela elula yokugcina umkhondo wezimali zabo.

Uhlelo lokusebenza lwezezimali lomuntu siqu kumele lunikeze abasebenzisi amathuluzi ahlukahlukene okubasiza ukuphatha imali yabo. Lawa mathuluzi angafaka ithuluzi lokubeka isabelomali , isibali sokukhokha izikweletu, kanye ne- tracker yokonga . Uhlelo lokusebenza kufanele futhi lunikeze amathiphu okuthi ungonga kanjani imali futhi uphile ngemali yakho.

Uhlelo lokusebenza oluhle kakhulu lwezezimali lomuntu siqu

Mint

I-Mint iyimali yedijithali esebenzisa ubuchwepheshe be-blockchain ukuze kuvikelwe ukuthengiselana kanye nokulawula ukwakhiwa kwamayunithi amasha. Yethulwe ngoDisemba 2013, i-Mint izinze eVancouver, eCanada.

Inhlokodolobha Yakho

I-Personal Capital yinkampani yesofthiwe yezezimali esiza abantu ukulandelela izimali zabo nokwenza izinqumo ezingcono. Le nkampani inikeza amathuluzi amaningi afaka umphathi wezezimali zomuntu siqu, umkhondo wokutshalwa kwezimali , kanye nethuluzi lokuhlela umhlalaphansi. I-Personal Capital iphinde inikeze isivivinyo samahhala sezinsizakalo zayo.

I-YNAB

Uma ufuna isofthiwe yokwenza isabelomali elula ukuyisebenzisa futhi ebanzi, i-YNAB ingaba yisinqumo esifanele kuwe. I-YNAB iyisofthiwe esekelwe efwini ekusiza ukulandelela ukusetshenziswa kwemali kwakho futhi uhlale ngaphakathi kwesabelomali sakho. Itholakala kokubili kumapulatifomu edeskithophu kanye neselula , futhi inikeza izici ezahlukahlukene zokwenza ukwenza isabelomali kube lula.

Esinye sezici ezibaluleke kakhulu ze-YNAB uhlelo lwayo lokuhlukanisa olwakhelwe ngaphakathi. Ungahlanganisa izindleko zakho ngezigaba (isb., igilosa, izikweletu, izinto zokuhamba), okwenza kube lula ukubona ukuthi imali yakho iya kuphi nokuthi ungonga kanjani imali. Ukwengeza, i-YNAB inikeza amathiphu namasu awusizo ukukusiza uhlale usendleleni ngemigomo yakho yokwenza ibhajethi.

Uma ufuna isofthiwe yebhajethi ethengekayo okulula ukuyisebenzisa, i-YNAB ingase ibe inketho ekahle kuwe.

Qalisa Imali

I-Quicken Loans iwumboleki ohamba phambili ku-inthanethi nakumaselula onikeza imali mboleko esheshayo, elula futhi engabizi. I-Quicken Loans inikeza imikhiqizo eyahlukahlukene yemali mboleko ukuze ihlangabezane nezidingo zababoleki, okuhlanganisa imali mboleko yomuntu siqu, yamabhizinisi amancane kanye neyezindlu. I-Quicken Loans iphinde inikeze amakhasimende ukufinyelela kumapulatifomu ayo aku-inthanethi naweselula ukuze afake izicelo zemali mboleko, alandelele inqubekela phambili yemali mboleko yawo futhi aphathe izimali zawo.

I-Ace Cash Express

I-Ace Cash Express yinkampani enikeza usizo lwezezimali lwesikhashana kubantu abaswele. Le nkampani yasungulwa ngo-2006 futhi isebenza ezindaweni ezingaphezu kwe-1,000 kulo lonke elase-United States. I-Ace Cash Express inikeza izinsizakalo ezahlukahlukene, kufaka phakathi imali mboleko yosuku lokukhokha, imali mboleko yesikhathi esizayo, kanye nokudluliselwa kwemali. Le nkampani inedumela lokuthembeka nokusebenza kahle, futhi amakhasimende ayo abelokhu eyinika amamaki aphezulu ngenkonzo yamakhasimende. I-Ace Cash Express iphinde inikeze imikhiqizo nezinsizakalo ezahlukahlukene zezimali kumakhasimende ayo, kufaka phakathi ukukhokha ngesheke, imali mboleko yesihloko, kanye nemali mboleko ye-pawn.

HlolaFree

I-CheckFree iyisevisi yasebhange eku-inthanethi yomhlaba wonke enikeza amakhasimende imikhiqizo nezinsizakalo ezahlukahlukene zasebhange. Le nkampani inikeza amakhasimende ukufinyelela kuma-akhawunti abo, okuhlanganisa ukubheka, ukonga, kanye nokudluliselwa kwemali. Iphinde inikeze imikhiqizo nezinsizakalo ezahlukene zezimali, okuhlanganisa izimali mboleko, izimali mboleko kanye nomshuwalense. I-CheckFree iphinde inikeze amakhasimende ukufinyelela epulatifomu yayo yasebhange eku-inthanethi, ebavumela ukuthi baphathe izimali zabo ku-inthanethi.

I-Bankrate

I-Bankrate iyiwebhusayithi enikeza ulwazi ngamanani enzalo neminye imikhiqizo yasebhange. Le sayithi ifaka injini yokusesha , isigaba sezindaba , kanye nezibali zemali mboleko yendlu, amakhadi esikweletu, kanye nemali mboleko yemoto. I-Bankrate iphinde inikeze amathuluzi ahlukahlukene okusiza abathengi ukuthi bonge imali, okuhlanganisa ithuluzi lokubeka isabelomali kanye nokulandelela imali egciniwe. I-Bankrate iphinde inikeze insizakalo yayo yokulinganisa isikweletu.

I-MoneyCrasher

I-MoneyCrasher iyindlela ehlukile futhi entsha yokwenza imali. Ungenza imali ngokudlala imidlalo, ukubukela amavidiyo, noma ngokwenza ucwaningo. I-MoneyCrasher ukuphela kwesayithi elinikeza wonke la mathuba endaweni eyodwa.

Ukuncishiswa Kwezikweletu

Ukwehliswa kwezikweletu kuyinqubo yokunciphisa inani lesikweletu umuntu noma inhlangano asikweletayo. Kungenziwa ngezindlela ezihlukahlukene, ezihlanganisa ukukhokha isikweletu senzalo enkulu, ukubuyisela izikweletu ezinenzalo ephansi, nokusebenzisa ukwelulekwa ngezikweletu. Ukwehliswa kwezikweletu kungase kuhlanganise nokunciphisa izindleko, njengokunciphisa ukusetshenziswa kwemali, ukwandisa imali engenayo, noma ukuthola imithombo emisha yemali engenayo.

Izinto okufanele uzicabangele lapho ukhetha uhlelo lokusebenza lwezezimali lomuntu siqu

-Uhlelo lokusebenza kufanele kube lula ukuyisebenzisa futhi uzulazule.
-Uhlelo lokusebenza kufanele lunikeze amathiphu awusizo nezeluleko zokuphatha izimali.
-Uhlelo lokusebenza kufanele lube nezici ezahlukahlukene ukusiza abasebenzisi balandelele indlela abasebenzisa ngayo imali, ukutshalwa kwezimali, kanye nezikweletu.

Izici Ezinhle

1. Ikhono lokulandelela indlela osebenzisa ngayo imali nemali engenayo.
2. Ikhono lokudala ibhajethi nokulandelela inqubekelaphambili.
3. Ikhono lokonga imali ezikweletini zakho nasezikweletini.
4. Ikhono lokutshala imali ngekusasa.
5. Amandla okuxhumana nabanye abantu abasebenzisa uhlelo lokusebenza ukuhlela imali

Uhlelo lokusebenza oluhamba phambili

1. Kulula ukuyisebenzisa futhi inezici eziningi.
2. Inokwethenjelwa futhi inomsebenzisi omuhle.
3. Inikeza amathuluzi amaningi ukukusiza ukuphatha izimali zakho kangcono.

Abantu futhi bayayifuna

isabelomali, i-akhawunti, isikweletu, isikweletu, ama-savingsapps.