Kushandisa Tekinoroji muMari Yemunhu
Tekinoroji iri kuramba ichiva chikamu chakakosha chehupenyu hwezuva nezuva, kusanganisira mumari yemunhu. Basa retekinoroji mukutarisira mari yemunhu rakura nekukurumidza, zvichiita kuti zvive nyore kuvanhu kuronga, kuchengetedza mari, uye kutarisira mari yavo zvinobudirira uye zvinobudirira. Chinyorwa chino chichakurukura kuti tekinoroji ingashandiswa sei mumari yemunhu uye maturusi akasiyana-siyana uye mashandisirwo anogona kushandiswa kuwana hutano hwemari.
Kuronga Mari Nekushandisa Bhajeti
Kuronga zvemari ndiyo danho rekutanga uye rakakosha pakutarisira mari yemunhu. Pasina hurongwa hwakajeka, zvakaoma kuzadzisa zvinangwa zvemari zvakaita sekutenga imba, kuronga dzidzo yevana, kana kuenda pamudyandigere. Apa ndipo panoshanda tekinoroji zvakanyanya. Kune maapplication akasiyana-siyana ekugadzirisa bhajeti anogona kubatsira vanhu kuronga nekudzora mashandisiro avo. Mamwe maapplication anozivikanwa anosanganisira Mint, YNAB (You Need A Budget), uye PocketGuard.
Mint
Mint ndeimwe yemapurogiramu ebhajeti anozivikanwa zvikuru, akadhawunirodhwa nemamiriyoni evashandisi pasi rese. Iyi app inobvumira vashandisi kubatanidza maakaundi avo ese emari, kusanganisira maakaundi ebhangi, makadhi echikwereti, uye zvikwereti, kuita puratifomu imwe chete. Mint inoisa otomatiki mari inoshandiswa muzvikamu, ichipa ruzivo rwakakwana rwekuti mari yako iri kuenda kupi, uye inopa mazano ebhajeti zvichienderana nemashandisirwo aunoita mari. Pamusoro pezvo, Mint inopa maficha ekutarisa mamaki ako echikwereti uye kupa mazano emari akasarudzika.
YNAB (Unoda Budget)
YNAB ipurogiramu yebhajeti inotarisa pakuchinja maitiro evashandisi ekushandisa mari. Iyi purogiramu inoshanda nemitemo mina: Ipa mari yega yega basa, ronga mari dzisingatarisirwi, shandisa mari yegore rapfuura kune zvinodiwa zvemwedzi uno, uye gadzirisa mamiriro ezvinhu paanochinja. NeYNAB, vashandisi vanokurudzirwa kuti vanyanye kuronga bhajeti ravo, izvo zvinogona kubatsira kuderedza zvikwereti uye kuwedzera kuchengetedza mari.
PocketGuard
PocketGuard imwe app inobatsira vashandisi kugadzirisa bhajeti ravo nenzira iri nyore uye iri nyore kunzwisisa. Inoratidza kuti wasara nemari yakawanda sei mushure mekuverenga mabhiri, zvinangwa zvekuchengetedza, nezvimwe zvinodiwa. Chinhu che "Muhomwe Yangu" chinopa ruzivo rwakajeka rwekuti mari yakawanda sei inosara yekushandisa zuva nezuva.
Kuchengetedza Mari Nekudyara Mari NeRobo-Advisors NemaApp Ekudyara Mari
Kuchengetedza mari nekudyara zvinhu zviviri zvakakosha pakuchengetedza mari zvakanaka. Tekinoroji yakaita kuti maitiro aya ave nyore uye asvike kune wese munhu kuburikidza nekushandisa marobho-advisors nemaapp ekudyara mari.
Robo-Advisors
MaRobo-advisors mapuratifomu edhijitari anopa masevhisi ekuronga mari otomatiki anoshandiswa nemaalgorithms. Mamwe maRobo-advisors anozivikanwa anosanganisira Betterment, Wealthfront, uye Stash. Mabasa aya anowanzo sanganisira kugadzira portfolio yekudyara mari zvichienderana neruzivo rwako rwengozi uye zvinangwa zvekudyara, automatic rebalancing, uye kugadzirisa mutero.
Kubatsira
Betterment ndeimwe yevanopa mazano erobhoti vanozivikanwa zvikuru, inopa zvinhu zvakasiyana-siyana zvekuchengetedza mari nekudyara zvinobudirira. Iyi puratifomu inoshandisa maalgorithms akaomarara kutarisira portfolio yako yekudyara, ichivimbisa kugoverwa kwakanaka kwemidziyo zvichienderana nezvinangwa zvako zvekudyara uye kutsungirira njodzi. Betterment inopawo maakaundi ekurega basa nezvimwe zvinhu zvakaita sekugadzirisa otomatiki uye kukohwa kurasikirwa kwemitero.
Wealthfront
Wealthfront inopa mabasa akafanana, ichitarisa pakuronga mari kwakazara uye maakaundi akasiyana-siyana ekudyara mari. Wealthfront inogona kubatsira kuronga zvinangwa zvemari zvakasiyana-siyana, zvakaita sekurega basa, dzidzo, uye kutenga dzimba, kuburikidza nezvishandiso zvayo zvekuronga zvine hunyanzvi.
Chikumbiro Chekudyara Mari
Pamusoro pevanopa mazano ekugadzira zvinhu (robo-advisors), kunewo maapplication akasiyana-siyana ekudyara mari anoita kuti maitiro ekudyara ave nyore kune vanhu vanoda nzira yekuzviitira wega (It It Yourself). Maapplication akaita seRobinhood, Acorns, uye E TRADE anobvumira vashandisi kutengesa masheya, mabhondi, uye mutual funds zviri nyore.
Robinhood
Robinhood ipurogiramu inozivikanwa yekutengesa masheya, kunyanya pakati pevanoisa mari vechidiki. Iine interface iri nyore uye isina muripo wekomisheni, Robinhood inobvumira vashandisi kutenga nekutengesa masheya, maETF, uye sarudzo zviri nyore. Pasinei nemakakatanwa aripo pamusoro pemaitiro eapp ekukurudzira kutengeserana zvakanyanya, Robinhood ichiri sarudzo yepamusoro kune vazhinji vanoisa mari vari kutanga.
Acorns
Acorns iapp inoshandura maitiro ekudyara mari otomatiki ne "kuchengetedza" chero mari yasara. App iyi inounganidza zvese zvaunotenga kusvika pamadhora ari pedyo uye inoisa "shanduko" mu portfolio yakasiyana-siyana. Inzira yakanaka yekutanga kudyara mari pasina kufunga zvakanyanya.
Gadzirisa Chikwereti uchishandisa Mapurogiramu Ekugadzirisa Chikwereti
Kutarisira zvikwereti chinhu chakakosha panyaya dzemari yemunhu chinowanzo furatirwa. Zvikwereti zvisingagadzirisike zvinogona kukanganisa kuronga kwemari uye kukonzera kushushikana. Tekinoroji inogona kukubatsira kutarisira chikwereti chako kuburikidza nemapurogiramu akasiyana-siyana ekutarisira zvikwereti.
Murongi weKubhadhara Zvikwereti
Chinoronga Kubhadhara Zvikwereti (Debt Payoff Planner) ipurogiramu inobatsira vashandisi kugadzira hurongwa hwekubhadhara zvikwereti hunoshanda. Iyi purogiramu inobvumira vashandisi kuisa ruzivo rwavo rwese rwechikwereti, kusanganisira mitengo yemubereko nemari yekubhadhara pamwedzi, uye yobva yagadzira hurongwa hwakanaka hwekubhadhara. Chinoronga Kubhadhara Zvikwereti (Debt Payoff Planner) chinopa ruzivo rwakajeka runoratidza kuti muripo wega wega unokanganisa sei chikwereti chose uye kuti chikwereti chichabhadharwa zvizere riini.
Tally
Tally ipurogiramu yepamusoro yekutarisira zvikwereti, inopa otomatiki kubhadhara zvikwereti uye maficha ekubatanidza makadhi echikwereti. Tally inoongorora makadhi ako echikwereti uye inoita mari shoma kuti isabhadhare mari yekunonoka. Pamusoro pezvo, Tally inopa mutsetse wechikwereti une mubereko wakaderera kuti ikubatsire kubhadhara chikwereti chemakadhi ako echikwereti nekukurumidza.
Kutarisa Chikwereti neChikumbiro Chekutarisa Chikwereti
Kutarisa mamaki ako echikwereti chinhu chakakosha pakutarisira mari yako. Mamaki akanaka echikwereti anovhura mikana yekuwana zvikwereti zvine mubereko wakaderera, kurenda imba, kana kutowana basa. Kune maapplication akasiyana-siyana ekutarisa zvikwereti anogona kukubatsira kuchengetedza hutano hwechikwereti chako.
Chikwereti Karma
Credit Karma ndeimwe yemapurogiramu anozivikanwa ekutarisa zvikwereti. Inopa mukana wekuwana mamaki ako echikwereti uye mishumo kubva kuEquifax neTransUnion mahara. Uyezve, Credit Karma inopa mazano akagadzirirwa iwe pachako ekuvandudza mamaki ako echikwereti uye inokuzivisa nezvekuchinja kusingafungidzike kumushumo wako wechikwereti.
Experian
Experian ndeimwe yemakambani makuru matatu echikwereti uye inopawo app yekutarisa zvikwereti. Iyi Experian app inopa mukana wekuwana mamaki ako echikwereti uye mushumo wakazara wechikwereti, pamwe nematurusi akasiyana-siyana ekukubatsira kunzwisisa nekuvandudza mamaki ako echikwereti.
Mhedziso
Tekinoroji yakaunza shanduko huru munzira yatinoshandisa pakugadzirisa zvemari dzedu. Kubva pakuronga bhajeti, kuchengetedza mari, kuisa mari, kugadzirisa zvikwereti, kusvika pakutarisa mamakisi edu echikwereti, zvese zviri nyore kushandisa maapplication nematurusi akasiyana-siyana edhijitari. Nekushandisa tekinoroji iyi, vanhu vanogona kugadzirisa zvemari dzavo nemazvo, kuzadzisa zvinangwa zvavo zvemari, uye kuvandudza hutano hwavo hwemari. Saka, hapana chikonzero chekusatanga kushandisa tekinoroji mumari yako yemunhu nhasi!
