Kugwiritsa Ntchito Ukadaulo mu Zachuma Chaumwini
Ukadaulo ukukulirakulira kukhala gawo lofunika kwambiri pa moyo watsiku ndi tsiku, kuphatikizapo zachuma za anthu. Udindo wa ukadaulo pa kasamalidwe ka zachuma za anthu wakula mofulumira, zomwe zimapangitsa kuti anthu azikonzekera bwino, kusunga ndalama, ndikuwongolera ndalama zawo moyenera komanso moyenera. Nkhaniyi ikambirana momwe ukadaulo ungagwiritsidwire ntchito pa zachuma za anthu komanso zida zosiyanasiyana ndi magwiritsidwe ntchito omwe angagwiritsidwe ntchito kuti akwaniritse bwino zachuma.
Kukonzekera Zachuma ndi Mapulogalamu Oyendetsera Bajeti
Kukonzekera zachuma ndi gawo loyamba komanso lofunika kwambiri pakusamalira ndalama zaumwini. Popanda dongosolo lomveka bwino, zimakhala zovuta kukwaniritsa zolinga zachuma monga kugula nyumba, kukonzekera maphunziro a ana, kapena kupuma pantchito. Apa ndi pomwe ukadaulo umagwira ntchito yofunika kwambiri. Pali mapulogalamu osiyanasiyana owerengera bajeti omwe angathandize anthu kukonzekera ndikuwongolera ndalama zawo. Mapulogalamu ena otchuka ndi awa: Mint, YNAB (Mukufunika Budget), ndi PocketGuard.
timbewu
Mint ndi imodzi mwa mapulogalamu otchuka kwambiri owerengera ndalama, omwe amatsitsidwa ndi ogwiritsa ntchito mamiliyoni ambiri padziko lonse lapansi. Pulogalamuyi imalola ogwiritsa ntchito kulumikiza maakaunti awo onse azachuma, kuphatikiza maakaunti akubanki, makhadi a ngongole, ndi ngongole, kukhala nsanja imodzi. Mint imagawa ndalama zokha m'magulu, kupereka chiwonetsero chathunthu cha komwe ndalama zanu zikupita, ndikupereka malingaliro a bajeti kutengera momwe mumagwiritsira ntchito ndalama. Kuphatikiza apo, Mint imapereka zinthu zowunikira mbiri yanu ya ngongole ndikupereka upangiri wazachuma payekha.
YNAB (Mukufuna Bajeti)
YNAB ndi pulogalamu yokonza bajeti yomwe imayang'ana kwambiri kusintha momwe ogwiritsa ntchito amagwiritsira ntchito ndalama. Pulogalamuyi imagwira ntchito pa malamulo anayi: Perekani ndalama iliyonse pantchito, konzani zoti mugwiritse ntchito mosayembekezereka, gwiritsani ntchito ndalama za chaka chatha pazosowa za mwezi uno, ndikusintha momwe zinthu zikuyendera. Ndi YNAB, ogwiritsa ntchito akulimbikitsidwa kuti azikhala okonzeka kukonzekera bajeti yawo, zomwe zingathandize kuchepetsa ngongole ndikuwonjezera ndalama zomwe amasunga.
Chikwama
PocketGuard ndi pulogalamu ina yomwe imathandiza ogwiritsa ntchito kusamalira bajeti yawo m'njira yosavuta kumva. Imasonyeza ndalama zomwe mwatsala nazo mutawerengera mabilu, zolinga zosungira, ndi zosowa zina. Mbali ya "Mu Pocket Yanga" imapereka chithunzithunzi chomveka bwino cha ndalama zomwe zatsala pa tsiku ndi tsiku.
Kusunga Ndalama ndi Kuyika Ndalama ndi Robo-Advisors ndi Mapulogalamu Ogulitsa Ndalama
Kusunga ndalama ndi kusunga ndalama ndi zinthu ziwiri zofunika kwambiri pazachuma chabwino cha munthu. Ukadaulo wapangitsa kuti ntchitoyi ikhale yosavuta komanso yofikirika kwa aliyense pogwiritsa ntchito ma robo-advisors ndi mapulogalamu osungira ndalama.
Aphungu a Robo
Ma Robo-advisors ndi nsanja za digito zomwe zimapereka ntchito zokonzekera zachuma zokha zomwe zimayendetsedwa ndi ma algorithms. Ena mwa ma robo-advisors odziwika bwino ndi awa: Betterment, Wealthfront, ndi Stash. Ntchitozi nthawi zambiri zimaphatikizapo kupanga ndalama zogulira kutengera mbiri yanu ya chiopsezo ndi zolinga zanu zogulira, kubwezeretsanso ndalama, komanso kukonza misonkho.
Bwino
Betterment ndi imodzi mwa alangizi odziwika bwino a robo-alangizi, omwe amapereka zinthu zosiyanasiyana kuti asunge ndalama moyenera komanso kuti azigwiritsa ntchito ndalama. Pulatifomuyi imagwiritsa ntchito ma algorithms ovuta kuyang'anira ndalama zanu, kuonetsetsa kuti katundu wanu wagawidwa bwino kutengera zolinga zanu zogulira komanso kulekerera zoopsa. Betterment imaperekanso maakaunti opuma pantchito ndi zina monga kubwezeretsanso ndalama zokha komanso kukolola misonkho.
Wealthfront
Wealthfront imapereka ntchito zofanana, zomwe zimayang'ana kwambiri pakukonzekera bwino ndalama komanso maakaunti osiyanasiyana osungira ndalama. Wealthfront ingathandize kukonzekera zolinga zosiyanasiyana zachuma, monga kupuma pantchito, maphunziro, ndi kugula nyumba, kudzera mu zida zake zamakono zokonzekera.
Fomu Yofunsira Ndalama
Kuwonjezera pa alangizi a robo, palinso mapulogalamu osiyanasiyana osungira ndalama omwe amathandiza anthu omwe amakonda njira yodzipangira okha (yodzipangira nokha). Mapulogalamu monga Robinhood, Acorns, ndi E TRADE amalola ogwiritsa ntchito kusinthana mosavuta masheya, ma bond, ndi ndalama zogwirizanitsa.
Robinhood
Robinhood ndi pulogalamu yotchuka yogulitsa masheya, makamaka pakati pa amalonda achichepere. Ndi mawonekedwe osavuta komanso opanda ndalama zolipirira komishoni, Robinhood imalola ogwiritsa ntchito kugula ndikugulitsa masheya mosavuta, ma ETF, ndi zosankha. Ngakhale kuti pulogalamuyi imalimbikitsa malonda ochulukirapo, Robinhood ikadali chisankho chabwino kwa amalonda ambiri oyamba kumene.
Acorns
Acorns ndi pulogalamu yomwe imasintha njira yogulira ndalama mwa "kusunga" ndalama zotsala. Pulogalamuyi imasonkhanitsa chilichonse chomwe mumagula mpaka pa dola yapafupi ndikuyika "chosintha" mu ndalama zosiyanasiyana. Ndi njira yabwino yoyambira kuyika ndalama popanda kuganiza mozama.
Konzani Ngongole ndi Mapulogalamu Oyang'anira Ngongole
Kusamalira ngongole ndi gawo lofunika kwambiri pazachuma cha munthu payekha lomwe nthawi zambiri limanyalanyazidwa. Ngongole zosasamalidwa zimatha kusokoneza kukonzekera zachuma ndikuyambitsa nkhawa. Ukadaulo ungakuthandizeni kusamalira ngongole yanu kudzera mu mapulogalamu osiyanasiyana osamalira ngongole.
Wokonzekera Kulipira Ngongole
Debt Payoff Planner ndi pulogalamu yomwe imathandiza ogwiritsa ntchito kupanga dongosolo lothandiza lobwezera ngongole. Pulogalamuyi imalola ogwiritsa ntchito kuyika tsatanetsatane wa ngongole zawo zonse, kuphatikiza chiwongola dzanja ndi ndalama zolipirira pamwezi, kenako ndikupanga dongosolo labwino kwambiri lobwezera ngongole. Debt Payoff Planner imapereka zambiri zowoneka bwino zomwe zikuwonetsa momwe malipiro aliwonse amakhudzira ngongole yonse komanso nthawi yomwe ngongoleyo idzalipiridwa yonse.
Tally
Tally ndi pulogalamu yapamwamba kwambiri yowongolera ngongole, yomwe imapereka njira yolipirira ngongole zokha komanso kuphatikiza makhadi a ngongole. Tally imayang'anira makhadi anu a ngongole ndipo imapereka malipiro ochepa kuti mupewe kulipira mochedwa. Kuphatikiza apo, Tally imapereka mzere wa ngongole wokhala ndi chiwongola dzanja chotsika kuti ikuthandizeni kulipira ngongole yanu ya kirediti kadi mwachangu.
Kuyang'anira Ngongole ndi Pulogalamu Yoyang'anira Ngongole
Kuyang'anira kuchuluka kwa ngongole zanu ndi gawo lofunika kwambiri pa kayendetsedwe ka ndalama zanu. Kuchuluka kwa ngongole zabwino kumatsegula mwayi wopeza ngongole zotsika mtengo, kubwereka nyumba, kapena kupeza ntchito. Pali mapulogalamu osiyanasiyana owunikira ngongole omwe angakuthandizeni kukhala ndi thanzi labwino la ngongole zanu.
Karma Yamtengo Wapatali
Credit Karma ndi imodzi mwa mapulogalamu otchuka kwambiri owunikira mbiri yanu ya ngongole. Imapereka mwayi wopeza mbiri yanu ya ngongole ndi malipoti ochokera ku Equifax ndi TransUnion. Kuphatikiza apo, Credit Karma imapereka upangiri wapadera wowongolera mbiri yanu ya ngongole ndikukuchenjezani za kusintha kulikonse kokayikitsa pa lipoti lanu la ngongole.
Experian
Experian ndi imodzi mwa mabungwe atatu akuluakulu a ngongole ndipo imaperekanso pulogalamu yowunikira ngongole. Pulogalamu ya Experian imapereka mwayi wopeza mbiri yanu ya ngongole kwaulere komanso lipoti lonse la ngongole, komanso zida zosiyanasiyana zokuthandizani kumvetsetsa ndikukonza mbiri yanu ya ngongole.
Mapeto
Ukadaulo wabweretsa kusintha kwakukulu pa momwe timayendetsera ndalama zathu. Kuyambira kukonzekera bajeti, kusunga ndalama, kuyika ndalama, kusamalira ngongole, mpaka kuyang'anira zigoli zathu, chilichonse chili pafupi nafe kudzera mu mapulogalamu ndi zida zosiyanasiyana za digito. Pogwiritsa ntchito ukadaulo uwu, anthu amatha kuyendetsa bwino ndalama zawo, kukwaniritsa zolinga zawo zachuma, ndikukweza moyo wawo wonse wazachuma. Chifukwa chake, palibe chifukwa chosiyira kugwiritsa ntchito ukadaulo mu ndalama zanu lero!
