Lumio: Couples finances

I-Lumio iwuhlelo lokusebenza lwamahhala lokuphatha imali olusiza umbhangqwana wesimanje ukuthi ulandelele zonke izikweletu zawo ezabiwe, izindleko nokonga, ndawonye.
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*Landela izikweletu, izindleko namabhalansi njengombhangqwana, noma eyakho nje.
*Yabelana ngezindleko eziphuma kanye noma wabelane ngenqwaba - nguwe olawulayo.
*Yehlisa Izindleko zokuhlala ndawonye
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Thola ukubonakala okuphelele kwazo zonke izimali zakho ukuze wazi ukuthi nime kuphi njengombhangqwana.
Qondanisa indlela osebenzisa ngayo imali owabelane ngayo. Yonga okuningi, phikisana kancane, futhi nithuthuke ndawonye.

I-Lumio yenza kube lula ngawe nozakwenu ukuthi nilawule imali yenu ndawonye - ngaphandle kwe-faff ye-akhawunti ehlukene noma incwadi.

Landelela wonke amabhalansi e-akhawunti yakho, izindleko zendlu ezabiwe, nokutshalwa kwezimali endaweni eyodwa. Hlanganyela nozakwenu futhi ufinyelele imigomo yakho yezezimali ngokushesha.

*Wonke ama-akhawunti akho, abiwe ngesikhathi sangempela endaweni eyodwa - Thola ukubonakala okwabiwe nokuqondanisa okuphelele nozakwenu. Ngakho ungenza umnyakazo wakho olandelayo ohlakaniphile njengeqembu.

*Khetha owabelana ngakho, ngokuphephile - Nguwe onqumayo ukuthi yimaphi amabhalansi, izikweletu nezindleko owabelana ngazo. Ukunigcina nobabili ekhasini elifanayo - ngaphandle kwe-faff yokudala i-akhawunti ehlanganyelwe noma amaleja okwenziwa ngesandla afana ne-Splitwise.

*Hlala ubheka ezezimali owabelane ngazo - Landela noma yiziphi izindleko zasendlini, kunoma iyiphi i-akhawunti. Yazi ukuthi umi kuphi, ubani ofake isandla, nokuthi ukweletani. Ngakho-ke ungakwazi ukuzinza ngendlela efanele futhi ngokusobala - ngaphandle kwezibalo zengqondo.

*Zilungisela ngokuzenzakalelayo - lungisa ngokushesha kunoma yimaphi ama-IOU phakathi kwakho nozakwenu, ukuze nihlale nisekhasini elifanayo.

Misa imithetho yokonga ethengekayo nezenzakalelayo ukuze nifinyelele imigomo yenu ndawonye.

IZICI EZIYINHLOKO:

● Landelela ukubaluleka kwakho kuwo wonke ama-akhawunti akho kudeshibhodi yemali eyodwa

● Landelela, hlukanisa futhi wabelane ngezikweletu kalula - njenge-Splitwise enobuchopho

● Phatha wonke ama-akhawunti akho endaweni eyodwa - njengo-Snoop

● Londoloza ngokuqondile kuma-akhawunti akho akhona - okuhlanganisa i-GoHenry, Marcus, Monzo, Rooster Money

● Phatha futhi uhlele zonke izikweletu zakho nokubhaliselwe (njenge-Snoop)

● Landelela yonke imali oyisebenzisayo nezindleko (njenge-Emma Finance)

● Misa imigomo ecacile yezezimali futhi usebenzele ukuyifinyelela (njenge-Mint)

● Thola imininingwane engenzeka ongeke uyithole ebhange lakho

● Landelela ukuthi indlela osebenzisa ngayo imali ishintsha kanjani ngokuhamba kwesikhathi

● Gwema izindleko ze-overdraft

● Hlanganisa zonke izimpesheni zakho - okuhlanganisa i-Pensionbee, i-Nest Pension, i-Aegon Pension

● Thola izaziso zokusebenzisa imali nebhalansi

IZICI ze-PRO/PREMIUM:

● Yenza ngokwezifiso ngokugcwele umjikelezo wakho wokuphatha imali. Usuku lokukhokha lokukhokha, usuku nosuku, inyanga nenyanga (njenge-YNAB Udinga Isabelomali)

● Xhuma inani lakho konke okungokwakho ku-Lumio usebenzisa ama-Akhawunti Angaxhunyiwe Ku-inthanethi

● Vula ukufinyelela kuyo yonke idatha yakho yomlando yezezimali kuwo wonke ama-akhawunti

● Vula igrafu nedatha yenani elingenamkhawulo ukuze ubone ukuqhubeka kwakho kwaso sonke isikhathi

● Yonga futhi uhambise imali phakathi kwanoma iyiphi i-akhawunti (i-Monzo, i-Marcus ka-Goldman Sachs, i-Revolut, i-Natwest kanye nawo wonke amabhange)

● Ukusetshenziswa kwemali okubukwayo nezibalo kanye nokwahlukaniswa kwemali engenayo ngokwezigaba

I-LUMIO IXHUMANA NAWO WONKE AMA-AKHAWUNTI AKHO EBHANG

● Ama-akhawunti asebhange: HSBC, Barclays, Monzo, Natwest, Santander, Revolut, Starling nokuningi

● Ama-akhawunti okonga: I-Marcus ka-Goldman Sachs, i-Virgin Money, i-OakNorth, izwe lonke nokuningi

● Amakhadi Esikweletu: American Express (Amex), Barclaycard, Lloyds, Natwest & more

● I-Cryptocurrency: I-Coinbase, i-Revolut, i-eToro nokuningi

● Impesheni Nezimali Ezitshaliwe: I-Nutmeg, Moneyfarm, EToro, Hargreaves Lansdown, AJ Bell, PensionBee, Nest Pension, Aegon Pension nokuningi

UKUPHEPHA KWEBHANGE-grade

Yiba nethemba eliphelele lokuthi umeluleki wakho wemali uvikelekile ngenxa yokubethela okungu-256-bit kanye nephinikhodi yezinombolo ezingu-5.

Ukuvikeleka okufanayo njengoba kusetshenziswe emabhange ahamba phambili emhlabeni anombhalo oyimfihlo wezinga lezempi.

IPHEPHILE FUTHI IYALAWULWA

I-Lumio ibhaliswe ne-Financial Conduct Authority ngaphansi kwe-Payment Services Directive ngokuhlinzekwa kwezinsizakalo zokukhokha. Nansi inombolo yethu yesithenjwa: 844741

I-Lumio ibhaliswe neHhovisi likaKhomishana Wolwazi ngokuhambisana noMthetho Wokuvikelwa Kwedatha 1998. Inombolo Yokubhalisa Ukuvikelwa Kwedatha: ZA548961