Uhlelo lokusebenza oluhle kakhulu lwezindleko ezabiwe: umhlahlandlela ophelele wokukhetha

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Ukuphatha izindleko ezihlanganyelwe nabangani, ozakwethu, noma ohlala nabo kungaba yindaba ebuhlungu ngempela: amarisidi alahlekile, amaspredishithi angapheli, izingxabano ngama-euro ambalwa… Izindaba ezinhle ukuthi namuhla kunezinhlelo zokusebenza eziklanyelwe ngqo ukugwema lezi zimo ezingathandeki nokwenza konke kucace kusukela ekuqaleni.

Eminyakeni yamuva nje, kuye kwavela izinhlelo zokusebenza eziningana zokuhlukanisa izindleko ezifana nokuhamba, ukuqasha, ukudla kwakusihlwa, noma imicimbi. Lezi zinhlelo zokusebenza zenza izibalo zibe ngokuzenzakalelayo, zilandelela ukuthi ubani okhokhele ini, futhi zihlanganiswe nezindlela zokukhokha njengeBizum, PayPal, noma iVenmo. Ngezansi, uzothola umbono oningiliziwe wezinketho ezinhle kakhulu, amandla azo, ukulinganiselwa kwazo, kanye nezimo lapho ngayinye ifaneleka khona.

Kungani usebenzise uhlelo lokusebenza ngezindleko ezihlanganyelwe esikhundleni sespredishithi?

Uma abantu abaningana bekhokhela izinto ezinsukwini noma emavikini ambalwa, kulula ukuthi kuvele ukudideka mayelana nokuthi ubani okweleta imali . Uhlelo lokusebenza lokwabelana ngezindleko luxazulula leyo nkinga ngqo: lugcina inkokhelo ngayinye, luyinike iqembu, futhi luhlukanise izindleko ngokwemithetho oyinqumayo (amasheya alinganayo, amaphesenti, amanani athile, njll.).

Ngaphezu kokubala, la mathuluzi ahlinzeka ngokusobala okuphelele phakathi kwabahlanganyeli . Wonke umuntu angabona amanothi, ukuthi ubani okhokhile, ngohlobo lwemali, nokuthi umuntu ngamunye ukhokhiswa malini. Lokhu kunciphisa kakhulu ukungezwani lapho kuxoxwa ngemali, okuyisihloko esibucayi ngisho naphakathi kwabangane.

Elinye iphuzu elibalulekile ukuthi izinhlelo zokusebenza eziningi zikuvumela ukuthi usebenze ngezimali eziningi ngesikhathi esisodwa . Uma uhamba phesheya futhi abanye abantu bakhokha ngekhadi kuyilapho abanye beshintshana ngemali, uhlelo lokusebenza luzoqopha zonke lezo zivumelwano futhi, ezimweni eziningi, luziguqulele kuhlobo lwemali oluyisisekelo ukuze lulinganise ama-akhawunti okugcina.

Okokugcina, eziningi zalezi zinhlelo zokusebenza zihlanganiswa nezinkundla zokukhokha kanye nezikhumbuzo , ngakho awukwazi ukubona nje ukuthi ubani okweleta imali, kodwa futhi ungacela noma ukhokhe izikweletu ngqo kusuka kuhlelo lokusebenza, ngaphandle kokuxosha noma ubani ku-WhatsApp.

I-Splitwise: i-benchmark yomhlaba wonke yezindleko zokuhlukanisa

I-Splitwise isibe uhlelo lokusebenza oludumile kakhulu lokwabelana ngezindleko phakathi kwabangani nomndeni . Isetshenziswa emhlabeni wonke ukuphatha yonke into kusukela ekuqashweni kwendlu yokuhlala kuya ohambweni lwamaqembu, amaphathi e-bachelor/bachelorette, imishado, ukudla okuvamile nozakwabo, noma imali mboleko encane phakathi kwabangani.

Isebenza kalula: udala iqembu (isibonelo, "Uhambo oluya eRoma" noma "Ifulethi Elihlanganyelwe" ), engeza abahlanganyeli, bese uqopha izindleko, ubonise ukuthi ubani okhokhayo nokuthi izindleko zihlukaniswa kanjani. Uhlelo lokusebenza lubala ngokuzenzakalelayo ibhalansi yomuntu ngamunye futhi lukhombisa ngokucacile ukuthi ubani okweleta malini nokuthi ubani okweletayo.

Enye yezinzuzo zayo ezinkulu ukuthi ikuvumela ukuthi wakhe amaqembu kanye nobudlelwano bomuntu nomuntu . Lokhu kuhle uma ufuna ukulandelela izikweletu nomlingani wakho, umngane othize, noma osebenza naye ovame ukuhlukanisa naye isikweletu sokudla noma igesi.

I-Splitwise iwusizo ikakhulukazi ezimweni lapho kunezinkokhelo eziningi ngoba yenza kube lula izikweletu zibe inethiwekhi yokukhokha encane . Esikhundleni sokuba umuntu ngamunye enze ukudluliselwa okuningi kumalungu eqembu ahlukene, uhlelo lokusebenza lubala inhlanganisela yokukhokha elula kakhulu ukuze ikhokhele konke ngezinkokhelo ezimbalwa kakhulu.

Izici ezibalulekile ze-Splitwise

I-Splitwise ikuvumela ukuthi urekhode izindleko nama-IOU (izikweletu ezingakahleleki) cishe nganoma iyiphi imali, ngisho noma ungaxhunyiwe ku-inthanethi, futhi ivumelanisa konke nefu uma usubuyile ku-inthanethi. Izici zayo ezinamandla kakhulu zifaka:

• Ukuhlukaniswa kwezindleko okuguquguqukayo: ngezingxenye ezilinganayo, ngamaphesenti, "ngamasheya" noma ngamanani aqondile.
• Inkundla eminingi: Uhlelo lokusebenza lwe-Android ne-iOS kanye nenguqulo yewebhu ukuze ubuke futhi uhlele kusuka kukhompyutha yakho.
• Ukuhlukaniswa ngezigaba kanye nesamba: Ikuvumela ukuthi uhlukanise izindleko ngezigaba (indawo yokuhlala, ezokuthutha, ukudla, njll.) bese ubuka inani eliphelele lamaqembu.
• Umlando kanye nokuthekelisa: Shintsha ilogi, ikhono lokuthumela ku-CSV nokubuyisela amaqembu noma izindleko ezisusiwe.
• Ukuhlanganiswa kwenkokhelo: Kwamanye amazwe, ixhumana ne-PayPal, i-Venmo, noma i-Paytm ukuze ikhokhele izikweletu ngqo.
• Izaziso namazwana: Ungaphawula ngezindleko ngayinye futhi uthole izaziso uma othile engeza noma eguqula okuthile.

Lolu hlelo lokusebenza luphinde lunikeze i-Splitwise Pro , uhlelo olukhokhelwayo olunezela okwengeziwe okuthakazelisayo: ukuguqulwa kwemali ngamazinga okushintshaniswa abuyekeziwe, amashadi okusebenzisa imali ngesigaba, ukuskena irisidi le-OCR, isitoreji esinwetshiwe samarisidi, usesho oluthuthukisiwe, kanye nama-backups engeziwe ngefomethi ye-JSON.

Kuyaphawuleka ukuthi ezinye iziqondiso zakamuva zikhuluma ngomkhawulo enguqulweni yamahhala okhawulela inani lezindleko ongazengeza ngosuku, okuphoqa abahambi abaningi abavamile ukuba bafinyelele ohlelweni lwe-Pro. Ngaphambi kohambo olude, kungumqondo omuhle ukuhlola imigomo nemibandela yamanje kuhlelo lokusebenza uqobo ukuze ugweme noma yiziphi izimanga.

I-Tricount: ukucaca okuphelele kokuhamba, amafulethi ahlanganyelwe kanye nemicimbi

I-Tricount ingenye yezinhlelo zokusebenza ezinhle kakhulu zezindleko ezihlanganyelwe ( okuningi mayelana ne-Tricount ), enabasebenzisi abangaphezu kwezigidi ezingu-17 abayisebenzisela ukulinganisela ama-akhawunti ohambo, amafulethi abafundi, imibhangqwana ehlanganyela izindleko noma amaqembu ahlela imisebenzi ethile.

Ifilosofi yohlelo lokusebenza iwukuba zonke izindleko ezihlanganyelwe zihlanganiswe ndawonye endaweni eyodwa . Udala "inani elincane" lesimo ngasinye (iholide, ifulethi, umcimbi) bese wengeza izinkokhelo, ubonise ukuthi ubani ozenzayo nokuthi zingobani. Ilungu ngalinye leqembu lingahlola ibhalansi yalo kanye neyabanye abantu nganoma yisiphi isikhathi.

Enye yamandla ayo amakhulu ukuthi yenzelwe kakhulu impilo yangempela yamaqembu : ingasetshenziswa kokubili ku-inthanethi nangaphandle kwe-inthanethi, iqopha izindleko ngezimali eziningi, ivumela ukwabelana ngesixhumanisi seqembu ukuze noma ubani akwazi ukwengeza izinkokhelo, futhi isekela ukulayisha izithombe ezisezingeni eliphezulu (isibonelo, amathikithi noma ama-invoyisi).

Ngaphezu kwalokho, uhlelo lokusebenza luzigqaja ngokuba mahhala ngokuphelele, alunazikhangiso noma imikhawulo ekusetshenzisweni okuyisisekelo. Lokhu kwenza kube ngenye yezindlela ezikhangayo kakhulu kulabo abangafuni ukubona izikhangiso noma abakhathazekile ngemikhawulo enanini lamaqembu noma izindleko ezirekhodiwe.

Izici ezibalulekile ze-Tricount

I-Tricount igxile kakhulu ekwenzeni lula ukuphathwa kwama -akhawunti abiwe nsuku zonke . Phakathi kwezici zayo ezithakazelisa kakhulu yilezi:

• Ukuhlukaniswa kwezindleko okuguquguqukayo kakhulu: Zingahlukaniswa ngokulinganayo, ngamanani athile, noma ngamasheya aklanyelwe umuntu ngamunye.
• Ukusetshenziswa okungaxhunyiwe ku-inthanethi: Ikuvumela ukuthi ubhalise izinkokhelo ngaphandle kwe-inthanethi futhi uzivumelanise kamuva, okuwusizo kakhulu lapho usohambweni.
• Imali eningi: Yamukela izinhlobo eziningi zemali, kwenza kube lula ukuhamba kwamanye amazwe.
• Izithombe zekhwalithi ephezulu: Ungagcina amathikithi namarisidi ngqo ngezindleko ngayinye.
• Ukufinyelela kusuka kuselula nakuwebhu: Itholakala kumadivayisi amaningi eselula kanye nakuhlobo lwewebhu.

I-Tricount ikhiqiza izifinyezo ezicacile zalabo abakweletayo futhi yenza kube lula ukuvumelana ngendlela engcono kakhulu yokukhokha izikweletu. Ezinye izibuyekezo zithi ukusebenza kwayo okungaxhunyiwe ku-inthanethi kungaba nomkhawulo kancane kunezinye izinhlelo zokusebenza, ngakho-ke kungcono isetshenziswe ngokuxhumeka kwe-inthanethi okuhle kakhulu ohambweni oluningi.

Esinye isici esivumelana nayo ukusekelwa kwayo kolimi olubanzi : uhlelo lokusebenza lutholakala ohlwini olude lwezilimi, okuhlanganisa iSpanishi, isiCatalan, isiNgisi, isiFulentshi, isiJalimane, isiPutukezi, isiNtaliyane, isiRashiya, isiSwedish, isiTurkey, isi-Arabhu, isiShayina (Esilula Nesendabuko) nezinye eziningi, okwenza kube lula kumaqembu aphesheya.

Settle Up: ilungele amaqembu amakhulu kanye nokusetshenziswa ku-inthanethi noma ungaxhunyiwe ku-inthanethi

I-Settle Up iyindlela enhle uma uhamba njalo namaqembu amakhulu , kungaba ohambweni, uhlala ezindaweni zokuhlala zasemakhaya, noma emisebenzini ephindaphindwayo. Isiqubulo sabo esithi, "ukubalwa kwezimali okuhle kwenza abangane abahle," sibonisa kahle umgomo wabo: ukugcina ama-akhawunti ecacile ukuze kugwenywe noma yiziphi izimanga ezingathandeki.

Ngalolu hlelo lokusebenza, ungagcina irekhodi eliningiliziwe lazo zonke izindleko zeqembu , uvumelanise ulwazi ukuze wonke umuntu abone izinguquko ngesikhathi sangempela, futhi ubale ukuthi ubani okweleta bani ukuthi malini. Inikeza izibalo ngelungu ngalinye kanye nezihlungi zokuthengiselana, okwenza kube lula ukubuyekeza ukusetshenziswa kwemali okuphelele.

Phakathi kwezinzuzo zayo yikhono lokuthumela idatha nge-imeyili noma ngefomethi ye-CSV , into ekhanga kakhulu kulabo abafuna ukugcina umlando noma ukubuyekeza ama-akhawunti ngemininingwane eminingi kuspredishithi.

Iphinde ivumele ukusebenza ungaxhunyiwe ku-inthanethi, okuwusizo lapho uhamba noma ezindaweni ezingamboziwe kahle, futhi kusekela izimali eziningi, okwenza kube kuhle kakhulu ohambweni lwamazwe ngamazwe.

Okufanele ukukhumbule nge-Settle Up

Inguqulo yamahhala ye-Settle Up ifaka phakathi ukukhangisa futhi inemikhawulo ethile ezicini ezithuthukisiwe , njengekhono lokunamathisela izithombe zamarisidi noma ukusetha ukuthengiselana okuphindaphindiwe. Kumaqembu ahamba ngezikhathi ezithile, lokhu kungase kwanele, kodwa labo abakusebenzisa nsuku zonke bangase baqaphele lezi zingqinamba.

Noma kunjalo, ibhalansi iyonke inhle kakhulu: uhlelo lokusebenza oluvuthiwe, olwenzelwe amaqembu amakhulu , olune-interface ecacile kanye nesistimu eguquguqukayo yokuhlukanisa izindleko (ngezingxenye ezilinganayo noma ukulungisa ukusatshalaliswa ngakunye kwezindleko ngayinye).

Splid: ubulula bohambo oluncane namaqembu

I-Splid uhlelo lokusebenza olukalwe kakhulu kulabo abafuna indlela elula neqondile yokuhlukanisa izindleko, ikakhulukazi lapho behamba. Isekela izimali ezingaphezu kuka-150 ezahlukene futhi ikuvumela ukuthi uguqule zonke izindleko zibe yimali eyodwa lapho uvala ama-akhawunti, okuyinto ewusizo kakhulu uma usebenzisa amakhadi nemali emazweni ahlukene.

Esinye sezici zayo ezivelele ukuthi, ngisho nasenguqulweni yamahhala, ungathumela kalula isifinyezo sezindleko ku-PDF noma ku-Excel . Ngale ndlela, wonke amalungu eqembu angagcina irekhodi elicacile lalokho okusetshenzisiwe nokuthi kuhlukaniswe kanjani.

I-Splid isebenza kahle ungaxhunyiwe ku-inthanethi: ikuvumela ukuthi uvumelanise izindleko ngaphandle kwesidingo sokuba ku-inthanethi njalo futhi ulungise izinkokhelo phakathi kwabahlanganyeli ngendlela elula ngangokunokwenzeka. Uhlelo lokusebenza lusikisela inhlanganisela yezikweletu engcono kakhulu yokunciphisa ukudluliselwa.

Isigaba samahhala sinomkhawulo omkhulu: ungaba namaqembu amabili asebenzayo ngesikhathi esisodwa . Lokhu akuvamile ukuba yinkinga ohambweni olulodwa, kodwa uma ufuna ukuphatha amaqembu amaningana ngesikhathi esisodwa (ohlala nabo, ozakwethu, abangani bejimu, njll.), kungase kungasebenzi kahle.

Izinhlelo zokusebenza zasebhange namathuluzi okulandelela izindleko zomuntu siqu

Ngaphezu kwezinhlelo zokusebenza ezigxile kuphela ekuhlukaniseni izindleko, kunezinhlelo zokusebenza zezimali ezibanzi ezifaka izici zokuhlukanisa izindleko phakathi kwabantu abaningana noma ezisiza ukulawula isabelomali somuntu ngamunye.

Izindleko ezabiwe zifakiwe kuhlelo lokusebenza lwe-BBVA

Uhlelo lokusebenza lwe-BBVA lungeze isici esithile sokwabelana ngezindleko nabangani noma ozakwethu , esitholakala kumakhasimende kanye nabangewona amakhasimende. Kusukela esigabeni "sokuhlangenwe nakho" semenyu eseceleni, abasebenzisi bangakha amaqembu okusebenzisa imali emicimbini eyenzeka kanye, njengeholide, noma yezindleko eziphindaphindayo, njengerenti noma izikweletu zefulethi elihlanganyelwe.

Leli thuluzi likuvumela ukuthi umeme abahlanganyeli noma ngabe abawona amakhasimende asebhange , uqophe inkokhelo ngayinye, bese uyilandelela yonke ngaphakathi kohlelo lokusebenza. Ungakhetha futhi indlela yakho yokukhokha oyithandayo yokukhokha izikweletu: ukheshi, ukudluliselwa ebhange, noma i-Bizum. Ihlangana kalula nezixazululo zokukhokha ezivamile eSpain, okwenza kube lula kakhulu ukukhokha ama-akhawunti.

Ngaphezu kwalesi sici sezindleko ezihlanganyelwe, uhlelo lokusebenza lwe-BBVA luhlanganisa nezinye izixazululo zezimali zedijithali ( i-fintech kanye nebhange eliku-inthanethi ): i-BBVA Invest (yeseluleko sokutshala imali), i-BBVA Valora (ukuhlaziya ukuthi iyiphi impahla efanelana nezidingo zakho), kanye namathuluzi okuqhathanisa izimoto abala ukonga phakathi kwezimoto zikagesi nephethiloli. Lawa mathuluzi asebenza ngokugcwele eSpain futhi azodluliselwa kwamanye amazwe lapho ibhange lisebenza khona.

I-Fintonic: ukulawulwa kwezimali zakho emhlabeni jikelele

I-Fintonic, empeleni, akuyona uhlelo lokusebenza lokuhlukanisa izindleko phakathi kwabantu abaningana, kodwa iyithuluzi lokuphatha ezezimali lomuntu siqu eselivele likhona eSpain, eMexico naseChile. Yaqashelwa nge-Google Mobile Innovation Award.

Indlela yabo iwukukusiza ukuthi uhlele ama-akhawunti akho asebhange, amakhadi, kanye nezinqubomgomo zomshuwalense endaweni eyodwa, uhlukanise imali engenayo kanye nezindleko ukuze ukwazi ukubona ngokushesha ukuthi imali yakho iya kuphi. Baphinde basikisele imikhiqizo yezezimali (umshwalense, imali mboleko, njll.) futhi banikeze iseluleko ngemigomo nemibandela ezikhungweni zezimali eziningi.

Nakuba ingathathi indawo ye-Splitwise noma i-Tricount ngokwehlukana kwezindleko nabangani, ingaba yinto ephelele yokugcina izimali zakho zomuntu siqu zilawulwa ngemuva kwalolo hambo noma imicimbi lapho niye nabelana khona ngezindleko eziningi.

UPlum, u-Emma noMonefy: ukonga nokulawula izindleko zomuntu ngamunye

Ezinye izinhlelo zokusebenza ezishiwo kokuqukethwe okubhekiselwe kuzo yiPlum , Emma, ​​​​kanye neMonefy , zonke ezihloselwe ukuphatha izimali zomuntu siqu, kunokuhlukanisa izindleko phakathi kwabantu abaningana.

I-Plum ihlanganisa ubuhlakani bokwenziwa nezezimali zomuntu siqu : uma ixhunywe kwi-akhawunti yakho yasebhange, ibala ngokuzenzakalelayo amanani amancane ongawalondoloza ngokusekelwe ekhonweni lakho lokukhokha bese iwabeka eceleni ukuze akusize wakhe umcamelo wezezimali. Iphinde inikeze izinketho ezilula zokutshala imali kulabo abafuna ukuthatha isinyathelo esengeziwe sokuhlela kwabo ezezimali.

U-Emma usebenza njengomsizi wezezimali ohlakaniphile , ehlaziya imali engenayo kanye nezindleko zakho, ethola okubhaliselwe okusebenzayo kanye nezimali zasebhange ezifihliwe, futhi ephakamisa izindlela zokwenza ngcono imali yakho. Kuhle kakhulu kulabo abafuna ukunciphisa ukusetshenziswa kwemali okungadingekile ngaphandle kokubukeza konke ukuthengiselana.

Ngakolunye uhlangothi, i-Monefy iwuhlelo lokusebenza lokulandelela izindleko olubonakala kakhulu ngesandla . Abasebenzisi bafaka inkokhelo ngayinye ngesandla, ngaphandle kwesidingo sokuxhumanisa ama-akhawunti noma amakhadi, futhi uhlelo lokusebenza lubonisa amashadi namaphesenti ngesigaba. Luphelele kulabo abakhetha ukungabelani ngemininingwane yabo yasebhange kodwa abafuna ukulawula okucacile ukuthi imali yabo iya kuphi.

Ezinye izinketho zokwabelana nokukhokha izindleko

Ngaphandle kwezinhlelo zokusebenza ezikhethekile, kunezindlela zokukhokha ezijwayelekile ezifaka izici zokuhlukanisa amabhili noma, okungenani, ukwenza kube lula ukuthumela imali phakathi kwabantu lapho ama-akhawunti esekhokhiwe kakade.

I-PayPal ne-Venmo

I-PayPal, esetshenziswa kabanzi emhlabeni jikelele, ivumela abantu ukuthi bathumele futhi bathole imali ngokushesha. Nakuba ingagxili kakhulu ekuhlukaniseni izindleko okuningiliziwe, ezinye izinsizakalo nezinhlelo zokusebenza ziyahlangana ne-PayPal ukuze kube lula ukukhokha.

I-Venmo, ethandwa kakhulu e-United States, ihlanganisa izinkokhelo zontanga nontanga nenketho yokuhlukanisa izindleko . Kuhle kakhulu uma iqembu lonke lisebenzisa uhlelo lokusebenza olufanayo futhi lihamba ngaphakathi kwezwe elifanayo, njengoba livumela ukufaka izicelo nokukhokha izinkokhelo ngemizuzwana. Inkinga ukutholakala kwayo okulinganiselwe: ohambweni lwamazwe ngamazwe noma abasebenzisi ezindaweni lapho inganikezwa khona, ayibe inketho ephumelelayo.

I-Divvy namathuluzi amabhizinisi

Emkhakheni wobungcweti, i-Divvy ihloselwe ukuphatha izindleko zebhizinisi nezeqembu . Ikuvumela ukuthi uchaze isabelomali, usabalalise izimali usebenzisa amakhadi ezinkampani, futhi ubhale phansi izindleko ngendlela ehlelekile kakhulu. Iwusizo kakhulu kumaphrojekthi omsebenzi, ohambweni lwebhizinisi, noma emicimbini yezinkampani.

Kodwa-ke, ukugxila kwayo kukude kakhulu nokusetshenziswa okungakahleleki phakathi kwabangane, ngakho-ke kungaba ngokweqile uma ufuna nje ukuhlukanisa izindleko zeholide noma ifulethi elihlanganyelwe.

Izinzuzo zangempela zokusebenzisa izinhlelo zokusebenza ngezindleko ezabiwe

Ngaphandle kwezici ezithile zohlelo lokusebenza ngalunye, zonke zabelana ngochungechunge lwezinzuzo ezenza umehluko uma kuqhathaniswa ne-notebook evamile noma i-spreadsheet ye-Excel eyenziwe ngokuyi-improvised.

Ukwahlukaniswa okuzenzakalelayo nokungenamaphutha

Inzuzo yokuqala enkulu ukwenza ngokuzenzakalela okuphelele kokubala . Ungakhohlwa ngokungeza, ukususa, ukuhlukanisa amaphesenti, noma ukulungisa amasenti. Uhlelo lokusebenza lwenza zonke izibalo futhi lugwema amaphutha abantu, okuyiwona avame ukuholela ezimpikiswaneni mayelana nokungafani okuncane.

Ngaphezu kwalokho, ungangeza izindleko njengoba uhamba , ngokushesha nje ngemva kokukhokha. Ngaleyo ndlela awukhohlwa lutho futhi akudingeki ukuthi wakhe kabusha i-akhawunti yakho ezinsukwini kamuva ngokubheka izitatimende namarisidi afinyeziwe.

Ukucaca kanye nokunciphisa izingxabano

Njengoba wonke umuntu ekwazi ukufinyelela ulwazi olufanayo, ukuphathwa kwezindleko kuba sobala kakhulu futhi kungabi nempikiswano enkulu . Noma yimuphi umhlanganyeli angabuyekeza lokho okurekhodiwe, alungise inani uma kukhona iphutha, futhi abone ngokucacile ukuthi izindleko ngayinye yabiwe kanjani.

Izaziso ezizenzakalelayo lapho kufakwa inkokhelo noma lapho othile eshintsha okuthile kusiza ukugcina wonke umuntu enolwazi futhi kugwenywe ukumangala ekugcineni.

Ukuphathwa kwezimali eziningi kanye nezindlela zokukhokha

Uma uhamba kwamanye amazwe, lezi zinhlelo zokusebenza cishe azibalulekile. Zikuvumela ukuthi urekhode ukuthengwa ngezimali ezahlukene futhi, kwezinye izimo, uziguqulele kuhlobo lwemali oluvamile. Ngale ndlela, noma ngabe umuntu oyedwa ukhokha ngemali eshintshiwe endaweni yokushintshanisa imali kanti omunye ukhokha ngekhadi, uhlelo lokusebenza lungabonisa izindleko eziphelele ngendlela efanayo.

Ukuhlanganiswa namapulatifomu okukhokha njenge-PayPal, i-Venmo, i-Bizum noma ukudluliselwa kwebhange kwenza isinyathelo sokugcina, ukuxazulula izikweletu, ngokushesha nangokuhlanzekile, ngaphandle kokubuyisana ngaphandle kohlelo lokusebenza.

Isengezo sokulawula kahle kwezezimali zomuntu siqu

Uma zihlanganiswe namathuluzi afana ne-Fintonic, i-Plum, i-Emma, ​​​​noma i-Monefy, izinhlelo zokusebenza zezindleko ezabiwe ziba enye insika yempilo yakho yezezimali . Ngakolunye uhlangothi, uqinisekisa ukuthi akekho oshiywa ngaphandle ohambweni noma endlini ehlanganyelwe; ngakolunye uhlangothi, ubona ukuthi lezi zindleko zingena kanjani kwisabelomali sakho sonke futhi ukhombe lapho ungazinciphisa khona noma wonge khona.

Empilweni yansuku zonke, noma iyiphi indlela isebenza (amaspredishithi e-Excel, ipeni nephepha, noma ngisho nefoni yakho), kodwa isihluthulelo ukugcina ibhalansi phakathi kwemali engenayo nezindleko . Ukukhokha izikweletu ngokushesha okukhulu nokugwema ukusebenzisa imali engaphezu kwemali oyitholayo kusalokhu kuyimithetho yegolide, kungakhathaliseki ukuthi usebenzisa izinhlelo zokusebenza ezingaki.

Ngenxa yesistimu yamanje yezinhlelo zokusebenza ezifana ne -Splitwise, i-Tricount, i-Settle Up, i-Splid , kanye nezici zamabhange nabaphathi bezezimali, kulula kakhulu namuhla ukwabelana ngezindleko ngaphandle kokuphazamiseka, ukugcina ukwethembana eqenjini, futhi, ngeshwa, ukunakekela izimali zakho siqu ngemininingwane ecacile, ngaphandle kokudinwa ngama-calculator noma ama-spreadsheet e-Excel angenamkhawulo.