Ukusebenzisa Ubuchwepheshe Kwezezimali Zomuntu Siqu
Ubuchwepheshe buya ngokuya buba yingxenye ebalulekile yempilo yansuku zonke, okuhlanganisa nezezimali zomuntu siqu. Indima yobuchwepheshe ekuphathweni kwezezimali zomuntu siqu ikhule ngokushesha, okwenza kube lula ngabantu ukuhlela, ukonga, nokuphatha izimali zabo ngendlela ephumelelayo nephumelelayo. Lesi sihloko sizoxoxa ngendlela ubuchwepheshe obungasetshenziswa ngayo kwezezimali zomuntu siqu kanye namathuluzi ahlukahlukene kanye nezinhlelo zokusebenza ezingasetshenziswa ukufeza inhlalakahle yezezimali.
Ukuhlela Ezezimali Ngezicelo Zesabelomali
Ukuhlela ezezimali kuyisinyathelo sokuqala nesibaluleke kakhulu ekuphatheni izimali zomuntu siqu. Ngaphandle kohlelo olucacile, kunzima ukufeza imigomo yezezimali njengokuthenga ikhaya, ukuhlela imfundo yezingane, noma umhlalaphansi. Yilapho ubuchwepheshe budlala khona indima ebalulekile. Kunezinhlelo zokusebenza ezahlukahlukene zokwenza isabelomali ezingasiza abantu ukuthi bahlele futhi balawule ukusetshenziswa kwemali kwabo. Ezinye izinhlelo zokusebenza ezidumile zifaka phakathi iMint, i-YNAB (You Need A Budget), kanye ne-PocketGuard.
Mint
I-Mint ingenye yezinhlelo zokusebenza zesabelomali ezidumile kakhulu, ezilandwe yizigidi zabasebenzisi emhlabeni jikelele. Uhlelo lokusebenza luvumela abasebenzisi ukuxhuma wonke ama-akhawunti abo ezezimali, kufaka phakathi ama-akhawunti asebhange, amakhadi esikweletu, kanye nemalimboleko, ibe yipulatifomu eyodwa. I-Mint ihlukanisa izindleko ngokuzenzakalelayo, inikeze umbono ophelele wokuthi imali yakho iya kuphi, futhi iphakamisa izabelomali ngokusekelwe kumaphethini akho okusebenzisa imali. Ngaphezu kwalokho, i-Mint inikeza izici zokuqapha isikolo sakho sesikweletu kanye nokunikeza izeluleko zezimali ezenzelwe wena.
I-YNAB (Udinga Isabelomali)
I-YNAB uhlelo lokusebenza lokubeka isabelomali olugxile ekushintsheni imikhuba yokuphatha imali yabasebenzisi. Lolu hlelo lokusebenza lusebenza ngemithetho emine: Nikeza wonke amadola umsebenzi, hlela izindleko ezingalindelekile, sebenzisa imali yonyaka odlule ngezidingo zale nyanga, futhi ulungise njengoba izimo zishintsha. Nge-YNAB, abasebenzisi bakhuthazwa ukuba bathathe isinyathelo kakhudlwana ekuhleleni isabelomali sabo, okungasiza ekunciphiseni izikweletu futhi kwandiswe ukonga.
I-PocketGuard
I-PocketGuard ingenye uhlelo lokusebenza olusiza abasebenzisi ukuphatha isabelomali sabo ngendlela elula neqondakala kalula. Ibonisa ukuthi usele nemali engakanani ngemva kokubala izikweletu, imigomo yokonga, kanye nezinye izidingo. Isici esithi "Ephaketheni Lami" sinikeza umbono ocacile wokuthi kusele malini yezindleko zansuku zonke.
Ukonga Nokutshala Imali Nge-Robo-Advisors Nezinhlelo Zokusebenza Zokutshala Imali
Ukonga nokutshala imali kuyizici ezimbili ezibalulekile zezimali zomuntu siqu ezinempilo. Ubuchwepheshe buye benza le nqubo ibe lula futhi ifinyeleleke kalula kuwo wonke umuntu ngokusebenzisa abeluleki be-robo kanye nezinhlelo zokusebenza zokutshala imali.
Abeluleki beRobo
Abacebisi be-Robo bangamapulatifomu edijithali ahlinzeka ngezinsizakalo zokuhlela ezezimali ezenzakalelayo eziqhutshwa yi-algorithms. Abanye abacebisi be-robo abaziwayo bafaka phakathi i-Betterment, i-Wealthfront, kanye ne-Stash. Lezi zinsizakalo ngokuvamile zifaka phakathi ukudala iphothifoliyo yokutshalwa kwezimali ngokusekelwe kuphrofayela yakho yengozi kanye nemigomo yokutshalwa kwezimali, ukulinganisa kabusha okuzenzakalelayo, kanye nokwenza ngcono intela.
Ukwenza ngcono
I-Betterment ingenye yabeluleki be-robo abaziwayo kakhulu, enikeza izici ezahlukahlukene zokonga nokutshala imali ngempumelelo. Ipulatifomu isebenzisa ama-algorithms ayinkimbinkimbi ukuphatha iphothifoliyo yakho yokutshalwa kwezimali, iqinisekisa ukwabiwa kwempahla okuhle kakhulu ngokusekelwe emigomweni yakho yokutshalwa kwezimali kanye nokubekezelela izingozi. I-Betterment iphinde inikeze ama-akhawunti omhlalaphansi kanye nezinye izici ezifana nokulinganisa kabusha okuzenzakalelayo kanye nokuvuna ukulahlekelwa yintela.
Wealthfront
I-Wealthfront inikeza izinsizakalo ezifanayo, igxile ekuhleleni kwezezimali okuphelele kanye nohlu oluhlukahlukene lwama-akhawunti okutshala imali. I-Wealthfront ingasiza ekuhleleni imigomo ehlukahlukene yezezimali, njengomhlalaphansi, imfundo, kanye nokuthenga indlu, ngamathuluzi ayo okuhlela ayinkimbinkimbi.
Isicelo Sokutshalwa Kwezimali
Ngaphezu kwabacebisi be-robo, kunezinhlelo zokusebenza zokutshala imali ezahlukahlukene ezenza kube lula inqubo yokutshala imali kubantu abakhetha indlela yokwenza izinto ngokwakho (Yenza Wena). Izinhlelo zokusebenza ezifana neRobinhood, Acorns, kanye ne-E TRADE zivumela abasebenzisi ukuthi bahwebe kalula ngamasheya, amabhondi, kanye nezimali ezihlangene.
Robinhood
I-Robinhood uhlelo lokusebenza oludumile lokuhweba ngamasheya, ikakhulukazi phakathi kwabatshalizimali abasebasha. Nge-interface elula futhi engenazo izimali zekhomishini, i-Robinhood ivumela abasebenzisi ukuthi bathenge futhi bathengise amasheya kalula, ama-ETF, kanye nezinketho. Naphezu kwempikiswano ezungeze ukuthambekela kohlelo lokusebenza kokukhuthaza ukuhweba ngokweqile, i-Robinhood isalokhu iyisinqumo esiphezulu kubatshalizimali abaningi abasaqalayo.
Acorns
I-Acorns uhlelo lokusebenza oluzenzakalela inqubo yokutshala imali "ngokonga" noma iyiphi imali esele. Lolu hlelo lokusebenza luhlanganisa konke okuthengayo okwenzayo kudola eliseduze futhi lutshala "ushintsho" kuphothifoliyo ehlukahlukene. Kuyindlela enhle yokuqala ukutshala imali ngaphandle kokucabanga kakhulu.
Phatha Izikweletu Ngezinhlelo Zokusebenza Zokuphatha Izikweletu
Ukuphathwa kwezikweletu kuyisici esibalulekile sezimali zomuntu siqu esivame ukunganakwa. Izikweletu ezingalawuleki zingaphazamisa ukuhlela kwezezimali futhi zibangele ukucindezeleka. Ubuchwepheshe bungakusiza ukuphatha izikweletu zakho ngezinhlelo zokusebenza ezahlukene zokuphathwa kwezikweletu.
Umhleli Wokukhokha Izikweletu
I-Debt Payoff Planner uhlelo lokusebenza olusiza abasebenzisi ukudala uhlelo lokukhokha izikweletu olusebenzayo. Lolu hlelo lokusebenza luvumela abasebenzisi ukuthi bafake yonke imininingwane yabo yezikweletu, okuhlanganisa amazinga enzalo kanye namanani okukhokha nyanga zonke, bese bekhiqiza uhlelo lokukhokha olufanele. I-Debt Payoff Planner inikeza idatha ebonakalayo ekhombisa ukuthi inkokhelo ngayinye ithinta kanjani isikweletu sonke nokuthi isikweletu sizokhokhwa nini ngokugcwele.
Tally
I-Tally uhlelo lokusebenza lokuphatha izikweletu oluthuthuke kakhulu, olunikeza ukukhokha izikweletu okuzenzakalelayo kanye nezici zokuhlanganisa amakhadi esikweletu . I-Tally iqapha amakhadi akho esikweletu futhi yenza izinkokhelo ezincane ukuze igweme izimali ezikhokhwa sekwephuzile. Ngaphezu kwalokho, i-Tally inikeza umugqa wesikweletu onenzalo ephansi ukukusiza ukukhokha isikweletu sakho sekhadi lesikweletu ngokushesha.
Ukuqapha Isikweletu Ngesicelo Sokuqapha Isikweletu
Ukuqapha amaphuzu akho esikweletu kuyisici esibalulekile sokuphathwa kwezezimali zomuntu siqu . Amaphuzu amahle esikweletu avula amathuba okuthola imali mboleko enenzalo ephansi, ukuqasha ifulethi, noma ngisho nokuthola umsebenzi. Kunezinhlelo zokusebenza ezahlukahlukene zokuqapha isikweletu ezingakusiza ukugcina impilo yesikweletu sakho.
I-Credit Karma
I-Credit Karma ingenye yezinhlelo zokusebenza zokuqapha isikweletu ezidumile kakhulu. Inikeza ukufinyelela kwamahhala kumaphuzu akho esikweletu kanye nemibiko evela ku-Equifax kanye ne-TransUnion. Ngaphezu kwalokho, i-Credit Karma inikeza izeluleko ezenzelwe wena zokuthuthukisa amaphuzu akho esikweletu futhi ikuxwayise nganoma yiziphi izinguquko ezisolisayo embikweni wakho wesikweletu.
I-Experian
I-Experian ingenye yezikhungo ezintathu ezinkulu zezikweletu futhi inikeza nohlelo lokusebenza lokuqapha izikweletu. Uhlelo lokusebenza lwe-Experian lunikeza ukufinyelela kwamahhala kumaphuzu akho esikweletu kanye nombiko ophelele wesikweletu, kanye namathuluzi ahlukahlukene okukusiza ukuthi uqonde futhi uthuthukise amaphuzu akho esikweletu.
Isiphetho
Ubuchwepheshe bulethe izinguquko ezibalulekile endleleni esiphatha ngayo izimali zethu zomuntu siqu. Kusukela ekuhleleni isabelomali, ukonga, ukutshala imali, ukuphatha izikweletu, kuya ekuqapheni amaphuzu ethu esikweletu, konke kusezandleni zethu ngezinhlelo zokusebenza namathuluzi ahlukahlukene edijithali. Ngokusebenzisa lobu buchwepheshe, abantu bangaphatha izimali zabo zomuntu siqu ngendlela ephumelelayo nephumelelayo, bafeze imigomo yabo yezezimali, futhi bathuthukise inhlalakahle yabo yezezimali iyonke. Ngakho-ke, asikho isizathu sokungaqali ukusebenzisa ubuchwepheshe ezimalini zakho zomuntu siqu namuhla!
