Kupanga bajeti ndi chizoloŵezi chofunika kwambiri chomwe chingapangitse kuti ndalama zanu ziziyenda bwino. Zimadziwika, komabe, kuti kusunga ndalama zanu ndi ndalama zomwe mumapeza kungakhale kovuta, makamaka ngati pali zochitika zingapo.
Kupulumutsa ndi zida zopangira bajeti monga Spendee ndi Wallet kuchokera ku BudgetBakers!
Mothandizidwa ndi mapulogalamu othandizawa, mutha kugwiritsa ntchito ndalama zanu, kusunga ndalama zomwe mumawononga, ndikukwaniritsa zolinga zanu zachuma.
Kusankha chida chopangira bajeti chomwe chimakugwirirani ntchito ndikofunikira chifukwa cha kuchuluka kwa zosankha zomwe zilipo. Ndalama zanu zitha kuyendetsedwa, mutha kupanga zisankho zanzeru pazandalama zanu, ndipo mutha kuzindikira zolinga zanu zachuma ndi chida choyenera chopangira bajeti.
Tifufuza Spendee ndi Wallet ndi BudgetBakers, awiri mwa mapulogalamu okonda bajeti omwe amapezeka, mwatsatanetsatane kuti akuthandizeni kupanga chisankho chabwino kwambiri.
mwachidule
(i) Ndalama
Spendee ndi chida chothandizira chandalama chomwe chimalola ogwiritsa ntchito kutsata ndalama zawo mosavuta ndikuwongolera bajeti zawo. Lili ndi zida zosiyanasiyana zogwiritsira ntchito kuti zikuthandizeni kusunga ndalama zanu, monga bajeti yokhazikika, malingaliro osungira, malingaliro azinthu, ndi zina.
Pulogalamuyi idakhazikitsidwa mu 2017 ndipo ili ku EU. Lili ndi gulu la amalonda odziwa kuphatikizapo David Neveceral, Jakub Sechter, Jan Castek, ndi Miroslav Chmelka.
Spendee ndi njira yodziwika bwino kwa ogula omwe akufuna kuyang'anira momwe amawonongera ndalama. Imasangalala ndi mavoti 4.7 mwa 5 pa App Store. Idalandiranso zosilira Mphotho za Mobile UX mu 2017, kulimbitsa udindo wake ngati nsanja yodalirika komanso yothandiza pazachuma.
(ii) BudgetBakers Wallet
Kupereka zida zoyendetsera ndalama za ogula ndi mabizinesi ang'onoang'ono, BudgetBakers Wallet ndikuyambitsa kwa fintech komwe kukukula mwachangu. Ili ku Prague, ku Europe. Pulogalamuyi idakhazikitsidwa ndi Jan Muller mu 2014. Pulatifomu imapereka mayankho amphamvu abizinesi monga kugawa magawo, kutsatira, kukonza bajeti, ndi zolinga zina.
BudgetBakers amagwira ntchito yoyang'anira zomanga ndi ma API a mabungwe a fintech. Imayendetsedwa ndi gulu la akatswiri opitilira 40 ndi abwenzi. Ili kale ndi kutsitsa kopitilira 6.5 miliyoni ndipo ili ndi ma 4.7 ogwiritsa ntchito pa Playstore.
Pulogalamuyi imagwira ntchito m'zilankhulo zopitilira 20. Pofuna kukwaniritsa zosintha za ogula, BudgetBakers idadzipereka kuwapatsa chida chosavuta komanso chothandiza pakuwongolera ndalama zawo. Kuti izi zitheke, kampaniyo ikupitiliza kupititsa patsogolo ndikukweza nsanja yake.
Chiyankhulo cha Mtumiki
(i) Ndalama
Spendee ili ndi mawonekedwe osavuta kugwiritsa ntchito. Chophimba chakunyumba chimakhala ndi ma tabo awiri, imodzi ya dashboard ndi ina yopangira bajeti. Patsamba la bajeti, mutha kupeza mosavuta ndalama zanu zonse zosankhidwa pazolinga zinazake. Dashboard imagawidwa m'magawo awiri, ma wallet, komanso mwachidule.
Gawo la wallet likuwonetsa zikwama zanu zonse zolumikizidwa ndi maakaunti kubanki. Gawo lachidule likuwonetsa tsiku lomwe lilipo, ndalama, ndalama, ndi ndalama. Mukhozanso kuona mbiri yanu yamalonda pansipa pansi pa gawo lachidule. Ponseponse, mawonekedwe a Spendee ndi osavuta, oyambira, komanso abwino kwa oyamba kumene.
(ii) BudgetBakers Wallet
BudgetBakers' UI ndi yamakono komanso yowoneka bwino. Dashboard ndiye skrini yayikulu yomwe imakupatsirani chithunzithunzi chachuma chomwe muli nacho.
Tsamba la analytics lili ndi ziwerengero zambiri ndi ziwerengero zokuthandizani kusanthula njira zanu zogulira. Tsamba la maakaunti ndi komwe mungawonjezere ndikuwongolera maakaunti anu aku banki.
Tsamba la zolemba lili ndi mndandanda wathunthu wazochita zanu zonse. Tsamba lazochokera kunja limakupatsani mwayi wolowetsamo data kuchokera kuzinthu zina monga masitatimenti akubanki. Ngakhale kuti ili ndi mphamvu zambiri, mapangidwe ake si opambana kapena ovuta, ndipo ndi osavuta kusuntha pulogalamuyo. Nthawi zambiri, UI idapangidwa bwino komanso yosavuta kugwiritsa ntchito.
Mawonekedwe
(i) Ndalama
1. Kusanthula Zachuma ndi Kuzindikira: Spendee amasanthula momwe ndalama zanu zimagwirira ntchito m'njira yosavuta komanso yachidule. Ma algorithms anzeru a Spendee azingosankha zomwe mwachita ndikukuwonetsani m'magrafu omveka bwino, osavuta kumva komanso ma chart mukangolumikiza akaunti yanu yaku banki.
Mudzatha kumvetsetsa kumene ndalama zanu zimachokera ndikuchoka, kukuthandizani kupanga zisankho zambiri zogwiritsira ntchito ndalama. Malingaliro a Spendee amakuthandizani kuzindikira madera omwe mungathe sungani ndalama ndi kumene bajeti yanu ingafunikire kusinthidwa.
2. Kutsata Kwathunthu: Spendee amakulolani kuti muzitha kuyang'anira ndalama zanu zonse pamalo amodzi. Mutha kulumikiza akaunti yanu yaku banki mosavutikira ndikulowetsa zonse zomwe mwachita mu pulogalamuyi, kapena mutha kuyika pamanja ndalama zanu zomwe zimakhala gawo la bajeti yanu yapamwezi.
Komanso amakulolani kulumikiza wanu crypto chikwama, kukupatsani chithunzi chonse cha ndalama zanu pamalo amodzi. Zimakupatsirani chithunzi chonse cha momwe mumagwiritsira ntchito ndalama ndi bajeti mu nthawi yeniyeni, zomwe zimakulolani kupanga zisankho zophunzitsidwa bwino za kayendetsedwe ka ndalama zanu.
3. Bajeti yamtsogolo: Chimodzi mwazinthu zazikulu za Spendee ndikutha kupanga bajeti pazofunikira zamtsogolo.
Ogwiritsa ntchito amatha kupanga bajeti zingapo, kuzisintha kuti zigwirizane ndi zosowa zawo, ndikusankha m'magulu ambiri monga chakudya, mabilu, zosangalatsa, magalimoto, banja, ndi zina zotero. Akhozanso kusankha tsiku limene bajeti iyenera kukonzedwa.
4. Ndalama Zambiri: Spendee imathandizira ndalama zingapo, zomwe ndizothandiza kwa apaulendo komanso osamukasamuka pa digito omwe amayendetsa ndalama mumitundu yopitilira imodzi.
(ii) BudgetBakers Wallet
1. Mwanzeru Bajeti: BudgetBaker imakulolani kuti mupange bajeti pa akaunti yanu iliyonse, kukulolani kuti muzisunga ndalama zomwe mumawononga ndikusunga zambiri. Pulogalamuyi imakudziwitsani mukadutsa malire anu a bajeti, kukulolani kuti mupewe kubweza.
Mutha kukhazikitsanso zolinga zosunga ndalama ndikuwona momwe mukupitira patsogolo, ndi Wallet kuyerekeza ngati mudzakwaniritsa malinga ndi momwe mumawonongera ndalama.
2. Kutsata ndalama: The kutsatira ndalama ntchito mu BudgetBaker ndi njira yabwino komanso yosavuta yowongolera momwe mumawonongera ndalama. Mutha kuwona komwe ndalama zanu zikupita chifukwa chakutha kusinthiratu ndalama zanu m'makutu ang'onoang'ono monga chakudya, mayendedwe, ndi malo ogona.
Kuti mbiri yanu isasinthidwe, mutha kuyikanso ndalama pamanja.
Pulogalamuyi imakhala yanzeru komanso yabwino kudziwa momwe mumawonongera ndalama mukamagwiritsa ntchito, zomwe zimapangitsa kuti zikhale zosavuta kusamalira ndalama zanu. BudgetBaker ikhoza kukuthandizani kuti musamawononge ndalama zambiri kapena mukuyesera kusunga bajeti.
3. Malipiro Okonzekeratu: Njira ya 'Malipiro Okonzekera' mu BudgetBaker ndi chida chabwino kwambiri chowonera momwe ndalama zimagwiritsidwira ntchito mobwerezabwereza. Mukhoza kungoyang'anira anu malowedwe andalama ndikukutsimikizirani kuti muli ndi ndalama zokwanira kubweza zomwe mwawononga pozindikira ndikusintha zomwe mwabweza kukhala zolipira mtsogolo.
Mukhozanso kulowetsa pamanja ndalama zomwe mwakonza mu pulogalamuyi kuti muwone ndalama zanu zonse. Ngakhale BudgetBaker imathandizira pakupanga bajeti, muyenera kugwiritsabe ntchito pulogalamu yanu yakubanki kulipira. Ndi mbali iyi, muli ndi mphamvu zonse pazachuma zanu ndipo mukhoza kukonzekera pasadakhale ndalama zomwe zidzawononge mtsogolo.
4. Kulunzanitsa banki: Mbali ya BudgetBaker's Bank Sync imakuthandizani kuti muzisunga zomwe mwachita mosavuta. Mwa kulunzanitsa akaunti yanu yakubanki ndi pulogalamuyi, simuyeneranso kulowetsa pamanja chilichonse.
Ndi mphamvu zophatikizira mabanki opitilira 15,000, mutha kukhulupirira kuti AI ilowa ndikugawa zomwe mwachita. Izi sizimangokupulumutsani nthawi komanso zimakupatsirani malingaliro olondola komanso omveka bwino achuma chanu.
5. Malingaliro a CashFlow: BudgetBaker's Cashflow Insights ntchito ndi chida chothandizira pakuwongolera bwino ndalama. Chikwamachi chimazindikira madera omwe ndalama zanu zikucheperachepera ndipo zimakuthandizani kuti muchepetse ndalama zilizonse zosafunikira posanthula momwe mumawonongera ndalama komanso momwe mumapezera ndalama.
Chida ichi ndi chothandiza kwambiri pozindikira zolipiritsa mobwerezabwereza, monga zolembetsa ndi ndalama zina, zomwe mwina simukuzidziwa. Pulogalamuyi imakuthandizani kuti musamalire bwino ndalama zanu powonetsa kuchuluka kwa ndalama zomwe mukuyembekezera m'masabata angapo otsatira. Zimakuthandizaninso kulipira ngongole zanu motsatira ndondomeko yoyenera, kupewa zolipiritsa mochedwa kapena zilango.
6. Malipoti: Chida cha BudgetBaker's P&L Report chimakupatsani mwayi wotulutsa mwachangu lipoti la ndalama ndi momwe mumagwiritsira ntchito munthawi yomwe mwasankha kapena yam'mbuyomu. Ntchitoyi imalekanitsa ndalama zomwe mumapeza komanso momwe mumagwiritsira ntchito ndikuziwonetsa m'malipoti osiyanasiyana monga lipoti la ndalama, lipoti la kayendetsedwe ka ndalama, ndi lipoti la ndalama.
Mutha kuwona bwino ndalama zanu ndikupanga zanzeru zisankho zachuma mtsogolomu ndi kuzindikira kolondola kumeneku. Malipotiwa ndi osavuta kuwerenga ndikupereka chithunzi cholongosoka chandalama zanu, kukulolani kuti mupeze madera otukuka ndikuwongolera bwino ndalama zanu.
7. Maakaunti Angapo:- Mbali ya BudgetBaker's Multiple Accounts imalola ogwiritsa ntchito kuwongolera mpaka maakaunti atatu osiyanasiyana nthawi imodzi. Kaya ndi akaunti yandalama, akaunti yosungira ndalama, kapena akaunti yangongole, ogwiritsa ntchito amatha kusinthana mosavuta ndikungodina pang'ono.
Kulowetsa deta pamanja sikuvomerezeka, kotero ogwiritsa ntchito akhoza kungoyika mapepala awo ndikulola BudgetBaker kuchita zina. Izi zimapereka njira yachangu komanso yosavuta yoyendetsera maakaunti angapo popanda vuto lakusintha pakati pa mapulogalamu osiyanasiyana kapena maspredishiti.
mitengo
(i) Ndalama
(ii) BudgetBakers Wallet
A "sitata” phukusi ndi “umafunika” mapulani onse akupezeka pa BudgetBakers. Mtengo wa umembala wamwezi uliwonse wa pulani ya premium $6.39, pamene ndalama zolembetsa pachaka zimawononga $31.99.
BudgetBakers imapereka magwiridwe ake ambiri mu dongosolo laulere, mosiyana ndi Spendee. Komabe, dongosolo la premium limabwera ndi zina zowonjezera, monga mgwirizano ndi abwenzi ndi abale, kulumikizana kwa akaunti yakubanki yopanda malire, ndi maakaunti ambiri.
Mumapezanso ma chart angapo apamwamba kwambiri, malipoti, ndi zida. Kuti akuloleni kuti muyese musanagule, amakupatsirani mtundu woyeserera wamasiku 14 wolembetsa umafunika. Kusindikiza kwaulere kudzakhala kokwanira kwa inu ngati ndinu munthu wamba. Ndondomeko yamtengo wapatali, komabe, ndiyo njira yabwino kwambiri ngati muli katswiri ndi ndalama.
Security
(i) Ndalama
Kusunga zidziwitso zanu zachuma ndikofunikira kwambiri, ndipo Spendee amamvetsetsa bwino izi. Ndicho chifukwa chake lakhazikitsa njira zosiyanasiyana zotetezera chinsinsi cha deta ya ogwiritsa ntchito. Spendee sasunga zidziwitso za akaunti yanu yakubanki m'njira yolola kulipira, kuti mupumule podziwa kuti ndalama zanu zili zotetezeka.
Kulankhulana pakati pa pulogalamu ndi maseva kumabisidwa kuti kupewetse kulumikizana kosaloledwa. Ndipo kuti muwonjezere chitetezo, Spendee amakulolani kuti muyike chiphaso cha manambala 4 kapena kugwiritsa ntchito kutsimikizika kwa biometric.
Kuonjezera apo, mukachotsa akaunti yanu ya Spendee, deta yanu yonse, maakaunti, ndi zochitika zimachotsedwa nthawi yomweyo. Zonse ndi gawo la kudzipereka kwa Spendee kusunga deta yanu motetezeka.
(ii) BudgetBakers Wallet
BudgetBakers ndi Zogwirizana ndi PSD2 njira yothetsera deta yachuma, zomwe zikutanthauza kuti ikukwaniritsa zofunikira zachitetezo cha European Union posamalira deta yazachuma. Zilinso ISO 27001 certified, kusonyeza kuti yakhazikitsa ndondomeko yoyendetsera chitetezo cha chidziwitso. Kuphatikiza apo, BudgetBakers ndi Kutsatira kwa PCI DSS, kuwonetsetsa kuti ikutsatira mfundo zokhwima pakukonza deta yamakhadi olipira.
Kuti ateteze deta ya ogwiritsa ntchito, nsanjayi imagwiritsa ntchito miyezo yolimba yamkati yomwe imalimbikitsa chidziwitso chapamwamba cha chitetezo pakati pa antchito ake komanso njira zodalirika zachitetezo chaukadaulo. Czech National Bank ndi Owongolera a EU onse amawongolera mwamphamvu pa BudgetBakers.
Chifukwa deta yonse imasamutsidwa kudutsa TLS-encrypted mayendedwe, ngakhale pakuphwanya kwa data, deta siyingafikidwe ndi maphwando ena. Pulatifomu imagwira ntchito Mtambo wa Azure wa Microsoft, yomwe imadziwika chifukwa cha chitetezo chapamwamba kwambiri chakuthupi ndi zamagetsi, kuti nkhokwe zake zikhale zotetezeka.
kasitomala Support
(i) Ndalama
Spendee amapereka gawo la FAQ lokwanira kuthandiza ogwiritsa ntchito kuthana ndi zovuta zomwe angakumane nazo akamagwiritsa ntchito pulogalamuyi. Ngati simungapeze yankho la funso lanu pamenepo, mutha kudina nthawi zonse njira yothandizira ndikutumiza funso lanu ndi zomata zomwe mukufuna.
Ngakhale kulibe nambala yafoni yokuthandizani, mutha kutumiza imelo mafunso anu mwachindunji kwa Spendee [imelo ndiotetezedwa]. Spendee imaperekanso chithandizo chamoyo mkati mwa sabata kuyambira Lolemba mpaka Lachisanu pakati 10am mpaka 5pm, kukupatsani mwayi wolumikizana mwachangu ndi woyimira ndikupeza thandizo pa nkhani yanu.
(ii) BudgetBakers Wallet
The Help Center ku BudgetBakers Wallet imapereka mabulogu osiyanasiyana pamitu yambiri, kuphatikiza momwe mungayambitsire, kulumikizana, maakaunti, FAQ, ndi zina zambiri. Ogwiritsa angagwiritse ntchito chida chabwino kwambirichi kuti apeze mayankho azovuta zomwe zimachitika pafupipafupi. Ndi ntchito yoyankha, ogwiritsa ntchito amathanso kusinthana malingaliro ndi malingaliro.
Ngakhale pali makina ochezera amoyo, amayendetsedwa ndi bot, kotero ogula sangawone kuti ndiye njira yabwino kwambiri. Zikuwoneka kuti palibe nambala yafoni kapena imelo yachindunji, zomwe zingapangitse kuti zikhale zovuta kuti ogula alumikizane ndi chisamaliro chamakasitomala ngati ali ndi mafunso ofunikira kapena ofunikira.
Ponseponse, Help Center ndi chida chothandizira; komabe, ogwiritsa ntchito ena angakhumudwe kuti palibe njira zina zolumikizirana mwachindunji.
Siyani Mumakonda