{"id":304,"date":"2023-08-16T19:06:10","date_gmt":"2023-08-16T19:06:10","guid":{"rendered":"https:\/\/dicasecia.com\/?p=304"},"modified":"2023-08-16T19:06:10","modified_gmt":"2023-08-16T19:06:10","slug":"tai-chinh-ca-nhan-ung-dung-quan-ly-tien-cua-ban-voi-cong-nghe","status":"publish","type":"post","link":"https:\/\/dicasecia.com\/vi\/aplicativos-de-financas-pessoais-gerenciando-seu-dinheiro-com-tecnologia\/","title":{"rendered":"\u1ee8ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n: Qu\u1ea3n l\u00fd ti\u1ec1n c\u1ee7a b\u1ea1n b\u1eb1ng c\u00f4ng ngh\u1ec7"},"content":{"rendered":"

Trong th\u1ebf gi\u1edbi hi\u1ec7n \u0111\u1ea1i, n\u01a1i c\u00f4ng ngh\u1ec7 th\u00e2m nh\u1eadp v\u00e0o m\u1ecdi kh\u00eda c\u1ea1nh trong cu\u1ed9c s\u1ed1ng c\u1ee7a ch\u00fang ta, kh\u00f4ng c\u00f3 g\u00ec \u0111\u00e1ng ng\u1ea1c nhi\u00ean khi ngay c\u1ea3 vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u0169ng \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng. C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u00e3 tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 thi\u1ebft y\u1ebfu gi\u00fap m\u1ecdi ng\u01b0\u1eddi ki\u1ec3m so\u00e1t chi ti\u00eau, ti\u1ebft ki\u1ec7m ti\u1ec1n, \u0111\u1ea7u t\u01b0 th\u00f4ng minh v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang ta s\u1ebd kh\u00e1m ph\u00e1 t\u1ea7m quan tr\u1ecdng ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y v\u00e0 c\u00e1ch ch\u00fang c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n\n\n

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\"\"<\/figure>\n<\/div>\n\n\n

\u1ee8ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n\n\n

C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cung c\u1ea5p nhi\u1ec1u t\u00ednh n\u0103ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a \u0111\u1eddi s\u1ed1ng t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. Nh\u1eefng t\u00ednh n\u0103ng n\u00e0y th\u01b0\u1eddng bao g\u1ed3m:<\/p>\n\n\n\n

1. Theo d\u00f5i chi ph\u00ed<\/h3>\n\n\n\n

Nhi\u1ec1u \u1ee9ng d\u1ee5ng cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng t\u1ef1 \u0111\u1ed9ng ph\u00e2n lo\u1ea1i v\u00e0 theo d\u00f5i chi ti\u00eau h\u00e0ng ng\u00e0y c\u1ee7a h\u1ecd, cung c\u1ea5p c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng v\u1ec1 vi\u1ec7c ti\u1ec1n \u0111ang \u0111\u01b0\u1ee3c chi ti\u00eau v\u00e0o \u0111\u00e2u. \u0110i\u1ec1u n\u00e0y gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1c khu v\u1ef1c b\u1ed9i chi v\u00e0 cho ph\u00e9p b\u1ea1n t\u1ea1o ng\u00e2n s\u00e1ch th\u1ef1c t\u1ebf.<\/p>\n\n\n\n

2. L\u1eadp ng\u00e2n s\u00e1ch<\/h3>\n\n\n\n

L\u1eadp ng\u00e2n s\u00e1ch l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft \u0111\u1ec3 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. \u1ee8ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng \u0111\u1eb7t m\u1ee5c ti\u00eau chi ti\u00eau h\u00e0ng th\u00e1ng theo c\u00e1c danh m\u1ee5c kh\u00e1c nhau, nh\u1eadn th\u00f4ng b\u00e1o khi h\u1ecd \u0111\u1ea1t \u0111\u1ebfn gi\u1edbi h\u1ea1n \u0111\u00e3 thi\u1ebft l\u1eadp.<\/p>\n\n\n\n

3. Theo d\u00f5i n\u1ee3<\/h3>\n\n\n\n

\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi m\u1eafc n\u1ee3, nh\u1eefng \u1ee9ng d\u1ee5ng n\u00e0y cung c\u1ea5p c\u00f4ng c\u1ee5 \u0111\u1ec3 theo d\u00f5i c\u00e1c kho\u1ea3n vay, th\u1ebb t\u00edn d\u1ee5ng v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c. \u0110i\u1ec1u n\u00e0y gi\u00fap t\u1ed5 ch\u1ee9c thanh to\u00e1n v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 thanh to\u00e1n nhanh h\u01a1n.<\/p>\n\n\n\n

4. Ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0<\/h3>\n\n\n\n

M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n cung c\u1ea5p t\u00ednh n\u0103ng ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng, trong \u0111\u00f3 m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n th\u01b0\u1eddng xuy\u00ean v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m. Ngo\u00e0i ra, h\u1ecd c\u00f3 th\u1ec3 cung c\u1ea5p th\u00f4ng tin v\u1ec1 c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0, gi\u00fap ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh s\u00e1ng su\u1ed1t h\u01a1n.<\/p>\n\n\n\n

5. Ph\u00e2n t\u00edch xu h\u01b0\u1edbng<\/h3>\n\n\n\n

D\u1ef1a tr\u00ean d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c thu th\u1eadp theo th\u1eddi gian, c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y c\u00f3 th\u1ec3 cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft v\u1ec1 m\u00f4 h\u00ecnh chi ti\u00eau v\u00e0 xu h\u01b0\u1edbng t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n c\u00e1c \u0111i\u1ec1u ch\u1ec9nh trong ph\u01b0\u01a1ng ph\u00e1p t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t h\u01a1n.<\/p>\n\n\n\n

C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh t\u1ed1t nh\u1ea5t <\/h2>\n\n\n\n
    \n
  1. C\u00e2y b\u1ea1c h\u00e0:<\/strong> M\u1ed9t \u1ee9ng d\u1ee5ng to\u00e0n di\u1ec7n gi\u00fap ng\u01b0\u1eddi d\u00f9ng theo d\u00f5i chi ti\u00eau, l\u1eadp ng\u00e2n s\u00e1ch, gi\u00e1m s\u00e1t \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd n\u1ee3.<\/li>\n\n\n\n
  2. YNAB (B\u1ea1n c\u1ea7n ng\u00e2n s\u00e1ch):<\/strong> \u1ee8ng d\u1ee5ng n\u00e0y d\u1ef1a tr\u00ean tri\u1ebft l\u00fd ph\u00e2n b\u1ed5 ti\u1ec1n cho m\u1ed7i \u0111\u00f4 la, gi\u00fap ng\u01b0\u1eddi d\u00f9ng \u01b0u ti\u00ean v\u00e0 ki\u1ec3m so\u00e1t chi ti\u00eau c\u1ee7a m\u00ecnh.<\/li>\n\n\n\n
  3. V\u1ed1n c\u00e1 nh\u00e2n:<\/strong> Cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ec3 theo d\u00f5i chi ph\u00ed, l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u, qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 ph\u00e2n t\u00edch danh m\u1ee5c \u0111\u1ea7u t\u01b0.<\/li>\n\n\n\n
  4. PocketGuard:<\/strong> T\u1eadp trung v\u00e0o s\u1ef1 \u0111\u01a1n gi\u1ea3n, PocketGuard gi\u00fap ng\u01b0\u1eddi d\u00f9ng theo d\u00f5i chi ti\u00eau, \u0111\u1eb7t m\u1ee5c ti\u00eau v\u00e0 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd n\u00f3i chung.<\/li>\n\n\n\n
  5. Ng\u00e2n s\u00e1ch t\u1ed1t:<\/strong> L\u1ea5y c\u1ea3m h\u1ee9ng t\u1eeb ph\u01b0\u01a1ng ph\u00e1p phong b\u00ec, \u1ee9ng d\u1ee5ng \u1ea3o n\u00e0y cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng ph\u00e2n b\u1ed5 ti\u1ec1n v\u00e0o c\u00e1c danh m\u1ee5c c\u1ee5 th\u1ec3 v\u00e0 theo d\u00f5i chi ti\u00eau c\u1ee7a h\u1ecd.<\/li>\n\n\n\n
  6. \u0110\u01a1n gi\u1ea3n h\u00f3a b\u1eb1ng Quicken:<\/strong> N\u00f3 cung c\u1ea5p m\u1ed9t c\u00e1i nh\u00ecn t\u1ed5ng quan r\u00f5 r\u00e0ng v\u1ec1 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, gi\u00fap t\u1ea1o ng\u00e2n s\u00e1ch, theo d\u00f5i t\u00e0i kho\u1ea3n v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh.<\/li>\n\n\n\n
  7. Wally:<\/strong> N\u00f3 cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng theo d\u00f5i chi ti\u00eau, ch\u1ee5p \u1ea3nh bi\u00ean lai v\u00e0 theo d\u00f5i th\u00f3i quen t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd.<\/li>\n\n\n\n
  8. Ti\u1ec1n r\u00f5 r\u00e0ng:<\/strong> T\u1eadp trung v\u00e0o vi\u1ec7c gi\u00fap ng\u01b0\u1eddi d\u00f9ng ti\u1ebft ki\u1ec7m ti\u1ec1n, \u1ee9ng d\u1ee5ng n\u00e0y cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft v\u1ec1 chi ph\u00ed \u0111\u1ecbnh k\u1ef3 v\u00e0 \u0111\u1ec1 xu\u1ea5t c\u00e1c c\u01a1 h\u1ed9i ti\u1ebft ki\u1ec7m.<\/li>\n\n\n\n
  9. Qu\u1ea3 s\u1ed3i:<\/strong> M\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ed9c \u0111\u00e1o \u0111\u1ec3 ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 trong \u0111\u00f3 s\u1ed1 ti\u1ec1n l\u1ebb nh\u1ecf t\u1eeb vi\u1ec7c mua h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c l\u00e0m tr\u00f2n v\u00e0 \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng.<\/li>\n\n\n\n
  10. Ng\u01b0\u1eddi h\u00f9ng Robin Hood:<\/strong> M\u1eb7c d\u00f9 \u0111\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n nh\u01b0ng n\u00f3 cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng mua, b\u00e1n v\u00e0 theo d\u00f5i c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 ph\u00ed m\u00f4i gi\u1edbi.<\/li>\n\n\n\n
  11. Chu\u00f4ng:<\/strong> Ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 cung c\u1ea5p c\u00e1c t\u00ednh n\u0103ng ti\u1ebft ki\u1ec7m t\u1ef1 \u0111\u1ed9ng nh\u01b0 l\u00e0m tr\u00f2n s\u1ed1 ti\u1ec1n mua h\u00e0ng v\u00e0 t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n kho\u1ea3n v\u00e0o kho\u1ea3n ti\u1ebft ki\u1ec7m.<\/li>\n<\/ol>\n\n\n\n

    Ph\u1ea7n k\u1ebft lu\u1eadn<\/h2>\n\n\n\n

    C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n \u0111\u1ea1i di\u1ec7n cho m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng trong c\u00e1ch ch\u00fang ta x\u1eed l\u00fd ti\u1ec1n c\u1ee7a m\u00ecnh. H\u1ecd trao quy\u1ec1n cho c\u00e1c c\u00e1 nh\u00e2n \u0111\u1ec3 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd hi\u1ec7u qu\u1ea3 h\u01a1n, \u0111\u1eb7t ra c\u00e1c m\u1ee5c ti\u00eau th\u1ef1c t\u1ebf v\u00e0 \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh s\u00e1ng su\u1ed1t h\u01a1n. S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa c\u00f4ng ngh\u1ec7 v\u1edbi qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00f3 kh\u1ea3 n\u0103ng c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea5t k\u1ef3 ai s\u1eb5n s\u00e0ng \u00e1p d\u1ee5ng nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y v\u00e0o th\u00f3i quen c\u1ee7a h\u1ecd. V\u00ec v\u1eady, h\u00e3y c\u00e2n nh\u1eafc vi\u1ec7c kh\u00e1m ph\u00e1 th\u1ebf gi\u1edbi \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 t\u1eadn h\u01b0\u1edfng nh\u1eefng l\u1ee3i \u00edch t\u1eeb cu\u1ed9c s\u1ed1ng t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc v\u00e0 c\u00e2n b\u1eb1ng h\u01a1n.<\/p>","protected":false},"excerpt":{"rendered":"

    No mundo moderno, onde a tecnologia permeia todos os aspectos da nossa vida, n\u00e3o \u00e9 surpreendente que at\u00e9 mesmo a gest\u00e3o das finan\u00e7as pessoais tenha sido transformada por meio de aplicativos m\u00f3veis. Os aplicativos de finan\u00e7as pessoais se tornaram ferramentas essenciais para ajudar as pessoas a controlar seus gastos, economizar dinheiro, investir de maneira inteligente […]<\/p>\n","protected":false},"author":2,"featured_media":305,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-304","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aplicativos"},"_links":{"self":[{"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/posts\/304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/comments?post=304"}],"version-history":[{"count":0,"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/posts\/304\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/media\/305"}],"wp:attachment":[{"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/media?parent=304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/categories?post=304"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dicasecia.com\/vi\/wp-json\/wp\/v2\/tags?post=304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}