对程序员有用的网站_如何通过这些有用的应用程序和网站管理您的个人财务
对程序员有用的网站
Keeping your monthly finances in check (no pun intended) isn’t always as easy as it sounds. With bills that vary every month, surprise expenses that pop up at the worst possible moment, and grocery tabs that seem to be growing larger with every season that passes, asking for a little help from your phone or desktop isn’t so absurd.
控制您每月的财务状况(并非双关语)并不总是听起来那么容易。 每个月的账单各不相同，在最糟糕的时刻突然出现突如其来的费用，而且随着季节的流逝，杂货店的标签似乎越来越大，因此从手机或台式机上寻求一点帮助并不那么荒谬。
These are some of our favorite mobile apps and software that you can use to make managing your monthly finances a breeze.
这些是我们最喜欢的一些移动应用程序和软件，您可以使用它们轻松管理月度财务。
薄荷 (Mint)
Of course, by now everyone has heard of Mint. It’s quick, easy to learn, user friendly, and all-around the best choice for beginner budgeteers who want to utilize a set of tools that will help them to more effectively manage their monthly finances.
当然，到目前为止，每个人都听说过Mint 。 对于想要使用一套工具来帮助他们更有效地管理每月财务状况的初学者预算人员而言，它是快速，易学，用户友好且全面的最佳选择。
You can set budgets for everything from entertainment purchases like movies, music, and theater performances to the everyday stuff like medical premiums, prescriptions, and grocery bills. All of this is factored into a monthly report which visualizes how much you’re spending on what, and giving you helpful hints along the way that create a broad picture of your purchasing habits each month.
您可以为从电影，音乐和戏剧表演等娱乐购买到医疗保险，处方药和杂货账单等日常消费的所有事物设置预算。 所有这些因素都被纳入月度报告中，该报告可以直观地显示您在购物上花费了多少，并在沿途为您提供有用的提示，从而使您每月大致了解自己的购买习惯。
All that said, the settings you get with Mint are still relatively limited. That’s why, although Mint is essentially the gold standard when it comes to mobile financial management, there are still a number of other apps that can help round out your toolbelt.
综上所述，您使用Mint获得的设置仍然相对有限。 这就是为什么，尽管Mint本质上是移动财务管理的黄金标准，但仍有许多其他应用程序可以帮助您完善工具。
银行应用 (Banking Apps)
If you’re a member of one of the major banks (of some of the larger credit unions), the app that corresponds to your personal financial institution can be a perfect financial assistant that can do everything from helping you to figure out how much you spent on groceries in a week, to getting your taxes organized and prepared for the yearly pocket drain.
如果您是(某些较大的信用合作社中)主要银行之一的成员，则与您的个人金融机构相对应的应用程序将是一个完美的财务助手，它可以帮助您确定自己需要多少钱。在一周内花在杂货上，以整理您的税款并为每年的零用钱做准备。
Bank of America, Chase, Citibank, Wells Fargo, and Ally all have apps that will allow you to keep careful track of your expenses, from transactions that happened that day, to general overviews of how your spending has changed from month to month
美国银行，大通银行，花旗银行，富国银行和Ally都拥有应用程序，可让您密切跟踪支出，从当天发生的交易到每月支出的总体概览
Other features like texting when your balance reaches a certain limit and identity theft protection come standard, though if you really want to get your finances under control, there are apps that can predict what you’re going to buy before you even get to the store.
其他功能，例如当余额达到一定限额时发短信，并且身份盗窃保护成为标准配置，尽管如果您真的想控制财务，有些应用程序甚至可以在到达商店之前就可以预测您要购买的商品。
数字 (Digit)
Digit is amazing for people like me who, despite their best intentions, can never seem to get enough put away in their savings account that doesn’t inevitably fall back into checking before their next paycheck rolls in.
Digit对于像我这样的人来说是惊人的，尽管他们有最好的意图，但似乎永远无法在他们的储蓄账户中积put足够的钱，而这些储蓄账户不可避免地会在下一次薪水发放之前退还支票。
Digit works by automatically scanning your spending habits week to week, month to month, and sending cash over to your savings that reflects those patterns accordingly. This way you’ll never try to save outside of your budget, and the app can help you establish a better understanding of how much you actually use, and how much you might have left over that would be better spent accruing interest in an account on the side.
Digit的工作原理是每周一次，每月一次，每月一次自动扫描您的消费习惯，然后将现金转入您的储蓄以反映相应的模式。 这样，您将永远不会尝试节省预算之外的费用，并且该应用程序可以帮助您更好地了解您实际使用了多少钱，以及可能剩下的多少钱，可以更好地在帐户上累积利息旁边。
Digit does cost money, but somewhat uniquely, it will only take its fees from your savings account after it’s saved you a certain amount. Otherwise, you can enjoy the rest of the software 100 percent free of charge.
Digit确实要花钱，但在某种程度上来说是唯一的，它只会在为您节省了一定金额后才从您的储蓄帐户中收取费用。 否则，您可以100％免费使用软件的其余部分。
信用业力 (Credit Karma)
But what good is saving money if you don’t have a down payment to look forward to?
但是，如果您没有期盼的首付，那么省钱有什么好处呢？
Although there are dozens of different ways you can check your credit these days, few offer the level of customization and simplicity that you’ll find with Credit Karma. Outside of the standard credit reporting features, Credit Karma will also analyze how much money you spend every 30 days, how much you save, and cultivate a collection of credit offers that best fits your budget.
尽管这些天您可以使用多种方法来检查信用，但很少能提供Credit Karma所提供的定制和简单性。 除了标准的信用报告功能之外，Credit Karma还将分析您每30天花费多少钱，节省多少，并收集最适合您预算的信用产品集合。
This kind of personalized loan analysis is something that people used to spend hours working out at their local banks, but now the whole process has been streamlined to fit squarely in your pocket.
人们过去常常在这种情况下在本地银行花费大量时间来进行这种个性化的贷款分析，但是现在，整个过程已得到简化，可以完全放在您的口袋里。
守卫者 (BillGuard )
BillGuard is great not only for the fact that it helps to keep your bills in check, but by analyzing your monthly expense reports over time, it can react quickly and effectively if your identity is stolen and a criminal starts going on a spending spree with your pilfered details.
BillGuard不仅可以帮助您控制账单，而且还可以通过分析随时间变化的每月支出报告而非常有用，如果您的身份被盗并且罪犯开始对您进行疯狂消费，它可以快速有效地做出React。盗窃细节。
Using predictive algorithms and crowdsourced data, BillGuard is one of the best tools out there for catching an identity theft attempt early, and easily shutting it down in its tracks. If it detects anything out of the ordinary, you’ll receive either a text, email, or phone call alert that tells you that someone you don’t know or recognize is digging through your accounts.
使用预测算法和众包数据，BillGuard是目前最好的工具之一，可以及早发现身份盗用尝试，并轻松将其关闭。 如果它检测到异常情况，您将收到短信，电子邮件或电话警报，通知您您不认识或认识的人正在挖掘您的帐户。
您需要预算 (You Need a Budget)
Quick, curt, and to the point, You Need a Budget is a great app that mimics many of the same features you might find in Mint, but extends them out to your deskop for simple mouse-to-interface interactions.
快速，简短，并明确地说，“您需要一个预算”是一款出色的应用程序，它模仿了薄荷中可能发现的许多相同功能，但是将它们扩展到桌面，可以实现简单的鼠标到界面的交互。
This is a job that used to be handled by programs like Quicken, but as a slew of free options started to crop up, Intuit realized that mobile solutions were where the real money could be made for itself, and its many customers.
这是以前由Quicken等程序处理的工作，但是随着大量免费选项的出现，Intuit意识到移动解决方案是可以为自己及其众多客户赚钱的地方。
You Need a Budget also has a mobile app, though the features on that side of things are a bit more limited than what you might find in something like Mint. It should also be noted that the mobile version is just a companion app, so you’ll need to have the main client installed on a desktop before activating your account on a phone or tablet.
您需要预算也有一个移动应用程序，尽管那方面的功能比Mint之类的功能要受限制得多。 还应注意的是，移动版本仅是一个配套应用，因此您需要在台式机上安装主客户端，然后才能在手机或平板电脑上**帐户。
Managing your money is hard and thinking about how much you have to spare at the end of each paycheck is added stressor that none of us need to worry about any longer thanks to these apps, desktop programs, and digital financial assistants.
管理您的钱很困难，并且考虑到每张薪水将要节省多少，这又增加了压力，因为这些应用程序，桌面程序和数字财务助手，我们都不再需要担心。
Image Credits: Flickr/IntelFreePress, Mint.com, iTunes App Store, Digit Press Kit, Credit Karm Blog, BillGuard, YouNeedaBudget
图片来源：Flickr / IntelFreePress ， Mint.com ， iTunes App Store ， Digit Press Kit ， Credit Karm博客， BillGuard ， YouNeedaBudget
对程序员有用的网站