Monarch: Budget & Track Money

Cabanga nge-Monarch isizinda sakho sasekhaya ukuze uthole ukucaciseleka ngemali. Yenza ezezimali zakho zibe lula ngokuletha wonke ama-akhawunti akho ekubukeni okulula okukodwa, qiniseka ekwazini njalo ukuthi imali yakho ikuphi nokuthi iyaphi, futhi uhlanganyele nozakwenu noma uchwepheshe wezezimali ukuze ulandelele, wenze isabelomali, futhi ufinyelele imigomo ndawonye.

I-Monarch iqashelwe yi-Wall Street Journal “njengohlelo Lokusebenza Lwesabelomali Olungcono Kakhulu,” ngabakwaForbes njengokuthi “I-Best Mint Replacement” kanye no-Motley Fool “njengohlelo Lokusebenza Lwesabelomali Olungcono Kakhulu Lwezithandani Nemindeni.”

Ukuqalisa kulula. Xhuma ama-akhawunti akho futhi i-Monarch izohlukanisa ngokuzenzakalela izimali zakho, ikunikeze imininingwane ongayenza ngamaminithi. Enza ngendlela oyifisayo ideshibhodi yakho ukuze ikunikeze ulwazi oludingayo lapho uthi shazi, okuhlanganisa ukubaluleka kwakho konke, okwenziwa kamuva nje, ukuthi ulandelela kanjani ibhajethi yakho, ukusebenza kokutshalwa kwezimali, nezindleko ezizayo.

I-Monarch yenza kube lula ukuthatha izinyathelo namuhla ukuze wakhele ezinhlelweni zakho zesikhathi eside, konke ngethuluzi elilodwa elilula nelisebenzisanayo lezezimali.

Ithrekhi
- Xhuma ama-akhawunti akho futhi ubone yonke into endaweni eyodwa ukuze uthole umbono ocacile wokuthi imali yakho ihamba kanjani futhi ulandelele inqubekelaphambili enanini lakho lengqikithi.
- Yazi njalo ukuthi yini eseduze ngokubhaliselwe nezikweletu ezilandelelwa ngekhalenda elilodwa elilula noma ukubuka kohlu nezaziso ukuze ungaphuthelwa yinkokhelo.
- Bheka okubhaliselwe ukuze ukwazi ukukhansela lokho ongasakudingi.
- Vumelanisa namakhadi akho esikweletu kanye nemalimboleko futhi i-Monarch izokunikeza amabhalansi esitatimende kanye nenkokhelo encane okufanele uyikhokhe.
- Sesha noma yikuphi okwenziwayo, kuwo wonke ama-akhawunti akho - akukho ukushova phakathi kwezinhlelo zokusebenza ukuze uthole izinkokhiso noma ukubuyiselwa kwemali.
- Buka futhi wenze ngendlela oyifisayo imibiko ukuze uthole imininingwane esheshayo ngendlela osebenzisa ngayo imali kuwo wonke amaqembu nezigaba namathrendi ngokuhamba kwesikhathi.

Isabelomali
- I-Monarch inikeza izindlela ezimbili zokwenza isabelomali - I-Flex Budgeting noma I-Category Budgeting - ngakho-ke ungakhetha ukuba nesakhiwo noma ukuguquguquka okudingayo futhi wenze ibhajethi izwakale kulula.
- Thola ukubuka okusheshayo kwenqubekelaphambili yesabelomali sakho ngemigoqo yenqubekelaphambili ebonakalayo kanye newijethi yedeshibhodi.
- Enza ngendlela oyifisayo amaqembu akho nezigaba, ama-emoji, nezaziso zakho ukuze uhlale usendleleni.

Hlanganyela
- Engeza umlingani wakho noma amanye amalungu omndeni futhi nibambisane ngezezimali zakho, kungakhathaliseki ukuthi ukhetha ukuba nama-akhawunti asebhange ahlangene noma cha. Konke ngaphandle kwezindleko ezengeziwe.
- Mema umeluleki wakho, umqeqeshi wezezimali, uchwepheshe wezentela noma ummeli wokuhlela izakhiwo ukuze akwazi ukukunikeza iseluleko esinembile ngomzamo omncane odingekayo kuwe.

Hlela
- Dala futhi ulandelele inqubekelaphambili ekufezeni imigomo yakho yesikhathi esimaphakathi neside.
- Misa iminikelo kumigomo yakho ngaphakathi kwesabelomali sakho sanyanga zonke, futhi ubuke ukonga kwakho okuhlanganisiwe ngokuhamba kwesikhathi.

Ubulungu Onawe Engqondweni

Ukugxila kwethu kusekwakheni umkhiqizo ongaguqula ubudlelwano bakho nemali, ulethe ukucaca kanye nokuzethemba empilweni yakho yezezimali. Njengelungu le-Monarch, uzothola ukufinyelela kuzo zonke izici ezintsha esizakhayo futhi ube nethuba lokuvotela futhi unikeze impendulo ngezici ezintsha kumephu yethu yomgwaqo. Sakha ngempendulo evela emphakathini wethu engqondweni.

Azikho Izikhangiso

I-Monarch ayisekelwe abakhangisi futhi iklanywe ngenjongo eyodwa yokwenza kube lula futhi kube lula kuwe ukuphatha izimali zakho. Lokho kusho ukuthi asisoze sakuphazamisa ukwenza kwakho ngezikhangiso noma sizame ukukudayisela omunye umkhiqizo wezezimali ongawudingi.

Iyimfihlo futhi Ivikelekile

I-Monarch isebenzisa ukuphepha kweleveli yasebhange, futhi asilokothi sigcine noma yiziphi izifakazelo zakho zezezimali. Inkundla yethu ifundwa kuphela, ngakho abukho ubungozi bokuthi imali yakho ihambe. Sithatha ubumfihlo bakho njengento ebalulekile futhi asisoze sathengisa ulwazi lwakho lomuntu siqu noma lwezezimali kubantu besithathu.

IMINININGWANE YOBULUNGU

I-Monarch imahhala ukuzama izinsuku eziyi-7. Ngemva kwesikhathi sakho sesivivinyo, imali yobulungu izokhokhiswa nyanga zonke noma minyaka yonke, kuye ngokuthi yiluphi uhlelo olukhethayo.

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