{"id":30438,"date":"2025-02-21T12:54:50","date_gmt":"2025-02-21T12:54:50","guid":{"rendered":"https:\/\/tikmobiles.com\/?p=30438"},"modified":"2026-09-08T16:51:15","modified_gmt":"2026-09-08T16:51:15","slug":"ustedite-novac-s-aplikacijama","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/hr\/economizar-dinheiro-com-apps\/","title":{"rendered":"U\u0161teda novca s aplikacijama: kako kreirati i slijediti mjese\u010dni prora\u010dun"},"content":{"rendered":"<p>Da budem iskren: nijedna aplikacija ne \u0161tedi novac. Ono \u0161to dobra aplikacija za prora\u010dun radi jest da vam pokazuje, s datumima i vrijednostima, gdje je nestalo 300 R$ koji nestaju svaki mjesec. Kava koja ko\u0161ta 8 R$ svakog radnog dana ko\u0161ta 176 R$ mjese\u010dno, a 2112 R$ godi\u0161nje. Zaboravljena pretplata na R$ od 39,90 ko\u0161ta 478,80 R$ do sljede\u0107e godi\u0161njice. Ti se brojevi pojavljuju samo kada ih netko zapi\u0161e.<\/p>\n<p>Stoga ovaj vodi\u010d zapo\u010dinje metodom, a tek onda prelazi na aplikaciju: 30 dana bilje\u017eenja svega, tri kategorije koje odre\u0111uju mjesec, ograni\u010denje po kategoriji i tjedni pregled od pet minuta. Tek tada ima smisla birati izme\u0111u ru\u010dnog unosa i Open Financea, izme\u0111u besplatnog i pretplatni\u010dkog kori\u0161tenja te vidjeti \u0161to aplikacija va\u0161e banke ve\u0107 nudi bez instaliranja i\u010dega.<\/p>\n<h2>Prije aplikacije: 30 dana bilje\u017eenja svakog tro\u0161ka.<\/h2>\n<p>Iskoristite prvi mjesec za precizno mjerenje, ali nemojte \u010dekati 30 dana da biste zaustavili nepravilnu naplatu ili pregledali tro\u0161ak koji vi\u0161e ne odgovara va\u0161em prora\u010dunu. Zabilje\u017eite isplate s ra\u010duna, kartice i gotovine, uklju\u010duju\u0107i budu\u0107e rate. Odvajanje promatranja od prosudbe poma\u017ee vam da razumijete obrasce bez odga\u0111anja hitnih odluka.<\/p>\n<p>Zapisivanje na dan u mjesecu ono je \u0161to razlikuje one koji zavr\u0161e mjesec od onih koji odustanu u drugom tjednu: tro\u0161ak kojeg se sjetite nave\u010der ve\u0107 dolazi s popustom na umu. Pravilo koje koristim je da ga zabilje\u017eim u trenutku kada stigne ra\u010dun, bilo da se radi o obavijesti o kartici ili blagajni\u010dkoj listi.<\/p>\n<ul>\n<li><b>Gdje to zapisati:<\/b> U aplikaciji od prvog dana, u bilje\u0161ci na telefonu ili u bilje\u017enici. Va\u017eni su datum, vrijednost i kategorija.<\/li>\n<li><b>\u0160to ne smijete propustiti:<\/b> Kupnje izvr\u0161ene kreditnom karticom (koriste\u0107i datum kupnje, a ne datum dospije\u0107a ra\u010duna) i sve pla\u0107eno putem Pixa.<\/li>\n<li><b>\u0160to mo\u017eete o\u010dekivati:<\/b> centi. Potro\u0161nja manja od R$ 2 postaje R$ 2 i tako dalje.<\/li>\n<\/ul>\n<h2>Tri kategorije koje odlu\u010duju o mjesecu<\/h2>\n<p>Aplikacije dolaze s unaprijed instaliranih 20 ili 30 kategorija. Za izradu prora\u010duna dovoljne su tri kategorije; ostale su njihove podjele.<\/p>\n<ol>\n<li><b>Ispravljeno:<\/b> Najamnina ili hipoteka, tro\u0161kovi stana, struja, voda, internet, mobitel, \u0161kola, zdravstveno osiguranje, svakodnevni prijevoz. Ti se tro\u0161kovi malo mijenjaju i predstavljaju minimum prora\u010duna.<\/li>\n<li><b>Varijable:<\/b> Tr\u017enice, ljekarne, dostavne slu\u017ebe, aktivnosti u slobodno vrijeme, odje\u0107a, pokloni, usluge dijeljenja prijevoza. Tu novac procuri, i tu dolazi do izra\u017eaja ograni\u010denje cijena po kategoriji.<\/li>\n<li><b>Rate i dugovi:<\/b> Obro\u010dna pla\u0107anja kreditnih kartica, kredita u trgovinama, zajmova, dospjelih ra\u010duna. \u010cine se fiksnima, ali imaju datum zavr\u0161etka, a svaki koji zavr\u0161i osloba\u0111a novac za sljede\u0107i cilj.<\/li>\n<\/ol>\n<p>Odvajanje pla\u0107anja u zasebnu kategoriju mijenja na\u010din na koji \u010ditate mjesec: mnogi ljudi otkriju da je \u010detvrtina njihovih prihoda ve\u0107 ispla\u0107ena prije nego \u0161to im stigne pla\u0107a, a to obja\u0161njava za\u0161to se \u010dini da njihov prora\u010dun za slobodno vrijeme nikada nije ispunjen. Ako je popis pla\u0107anja zastra\u0161uju\u0107i, sljede\u0107i korak je... <a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-kontrolu-duga\/\">Vodi\u010d za aplikacije za mapiranje i pregovaranje o dugovima.<\/a>, koji vam pokazuje kako popisati sve \u0161to dugujete i kojim redoslijedom to otplatiti.<\/p>\n<p>\u0160to se ti\u010de varijabli, u\u0161tede se doga\u0111aju \u010dak i prije nego \u0161to provu\u010dete karticu. Uspore\u0111ivanje cijena u tri razli\u010dite trgovine i tra\u017eenje kupona traje dvije minute i va\u017enije je od bilo kakvih mjera smanjenja tro\u0161kova za me\u0111uobrok; <a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-kupone-za-ustedu-novca\/\">Vodi\u010d za web-stranice za usporedbu cijena i aplikacije za kupone<\/a> Obja\u0161njava kako provjeriti povijest cijena i odbaciti upozorenja prije dovr\u0161etka kupnje.<\/p>\n<h2>Kako kreirati mjese\u010dni bud\u017eet u 6 koraka.<\/h2>\n<p>S planiranim svih 30 dana, prora\u010dun se mo\u017ee kreirati odjednom, bilo na papiru, u prora\u010dunskoj tablici ili u aplikaciji.<\/p>\n<ol>\n<li><b>Zbrojite neto prihod.<\/b> Na ra\u010dun se ne upisuje bruto pla\u0107a. Varijabilni dohodak izra\u010dunava se na temelju prosjeka posljednja tri mjeseca.<\/li>\n<li><b>Navedite fiksne tro\u0161kove s njihovom vrijedno\u0161\u0107u i datumom dospije\u0107a.<\/b> Ovaj ukupni iznos je nedodirljiv; ono \u0161to ostane je ono s \u010dime radite.<\/li>\n<li><b>Navedite rate s datumom posljednje.<\/b> Zbrojite to i primijetite koliko \u0107e se ova kategorija smanjiti u nadolaze\u0107im mjesecima.<\/li>\n<li><b>Postavite gornju granicu za svaku varijablu.<\/b> Nakon 30 dana: ako ste potro\u0161ili 640 R$ na dostavu, ograni\u010denje za prvi mjesec je 500 R$, a ne 200 R$. Smanjenje od 15% do 25% je odr\u017eivo; smanjenje na pola dovodi do okrivljavanja i napu\u0161tanja.<\/li>\n<li><b>Odaberite cilj s vrijedno\u0161\u0107u i rokom.<\/b> Rezervirajte R$ od 3000 do o\u017eujka, putovanje R$ od 2500 u prosincu. Funkcija cilja u aplikaciji radi samo ako cilj ima broj.<\/li>\n<li><b>Uklju\u010dite upozorenja o rokovima.<\/b> Za sva pla\u0107anja na odre\u0111eni rok i rate. Kamate za zaka\u0161njelo pla\u0107anje su najgluplji tro\u0161ak u prora\u010dunu jer se njima ni\u0161ta ne kupuje.<\/li>\n<\/ol>\n<p>Ako nakon \u0161est koraka ostane novca, sljede\u0107e pitanje je gdje ga dr\u017eati. <a href=\"https:\/\/tikmobiles.com\/hr\/najbolje-aplikacije-za-ulaganje\/\">Vodi\u010d o tome kako brokerske tvrtke i Treasury Direct rade putem mobilnog telefona.<\/a> Obja\u0161njava postupak otvaranja ra\u010duna i koliko svaki proizvod ko\u0161ta, bez navo\u0111enja gdje ga primijeniti.<\/p>\n<h2>Petominutni tjedni pregled<\/h2>\n<p>Prora\u010dun prestaje va\u017eiti kada postane zadatak na kraju mjeseca. Svaki tjedan, istog dana, otvorite aplikaciju i u\u010dinite samo ovo:<\/p>\n<ul>\n<li>Provjerite jesu li zabilje\u017eeni va\u0161i tro\u0161kovi iz posljednjih sedam dana: s Open Financeom, kako biste vidjeli je li veza sve uvezla; ru\u010dno, kako biste vidjeli jeste li ne\u0161to propustili.<\/li>\n<li>Pogledajte traku za svaku kategoriju varijable: koliki je dio ograni\u010denja ve\u0107 dosegnut i koliko je dana preostalo.<\/li>\n<li>Pogledajte \u0161to dospijeva u sljede\u0107ih sedam dana i pokriva li va\u0161 saldo to.<\/li>\n<li>Ako je neka kategorija prema\u0161ila svoj limit, odlu\u010dite sada odakle dolazi razlika, umjesto da to saznate 30.<\/li>\n<\/ul>\n<h2>Ru\u010dno pokretanje ili Open Finance: \u0161to je svakom od njih potrebno<\/h2>\n<p>To je prvi izbor prilikom instaliranja aplikacije i odre\u0111uje koliko posla vam preostaje i koliko podataka isporu\u010dujete.<\/p>\n<h3>Ru\u010dno: Vi tipkate, aplikacija organizira.<\/h3>\n<p>Svaka kupnja je za vas transakcija: iznos, kategorija, ra\u010dun ili kartica. Potrebno je 10 do 20 sekundi po transakciji i ne tra\u017ei se nikakva bankovna lozinka. Skrivena prednost je edukativna: tipkanje R$ 89 za dostavu \u010detvrti put u tjednu je dosadno, a ta dosada mijenja pona\u0161anje. Monefy je aplikacija u potpunosti izgra\u0111ena oko toga.<\/p>\n<h3>Open Finance: banka \u0161alje, aplikacija kategorizira<\/h3>\n<p>U Open Financeu, dijeljenje podataka ovisi o pristanku i autentifikaciji putem kanala uklju\u010denih institucija. Provjerite koji \u0107e se podaci slati, u koju svrhu i koliko dugo. Sredi\u0161nja banka po\u010dela je dopu\u0161tati razdoblja dulja od 12 mjeseci; klijent mo\u017ee opozvati svoj pristanak. Nemojte izravno davati svoju bankovnu lozinku tre\u0107oj strani putem obrasca za omogu\u0107avanje integracije.<\/p>\n<p>Neke aplikacije nude pre\u010dac na Androidu: \u010ditanje obavijesti o karticama radi predlaganja transakcija. To koristi dopu\u0161tenje za pristup obavijestima, koje aplikaciji omogu\u0107uje pregled svih obavijesti na ure\u0111aju, ne samo onih od banke. Ako ga omogu\u0107ite, pro\u010ditajte pravila o privatnosti kako biste vidjeli \u0161to jo\u0161 aplikacija radi s tim obavijestima i onemogu\u0107ite ga kada ga prestanete koristiti.<\/p>\n<h2>Aplikacije koje sam provjerio, jednu po jednu.<\/h2>\n<h3>Mobills: najpoznatiji, s oglasima u besplatnoj verziji.<\/h3>\n<p>Jedanaest godina u radu, 10 milijuna preuzimanja i ocjena 4,2 na Google Playu s 293 000 recenzija (4,7 na App Storeu sa 168 000). Registrirani programer danas je Santander Corretora na Google Playu i Toro Investimentos na App Storeu: aplikaciju je preuzela financijska grupa. Profil navodi prora\u010dune po kategorijama, ciljeve, obveze prema dobavlja\u010dima, izvje\u0161\u0107a i prilagodljivu nadzornu plo\u010du; automatsku integraciju s bankama osigurava Mobills Premium. Nedavne recenzije na Google Playu uklju\u010duju pritu\u017ebe na Premium sinkronizaciju; pro\u010ditajte neke prije pretplate.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/o_ATH_ku8jeV5xexyYNG18BqiZgXSw0ktL_DllCgMY1svYdGo4OIGOuZl5cKArK-Sa7p7VbSVdillovDBsHt3_M\" alt=\"Mobiteli: Logo za osobne financije\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Mobiteli: Osobne financije<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.20;\" aria-label=\"Ocjena 4,2 od 5\"><\/span>  <span class=\"rating-text\">4,2<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2Fo_ATH_ku8jeV5xexyYNG18BqiZgXSw0ktL_DllCgMY1svYdGo4OIGOuZl5cKArK-Sa7p7VbSVdillovDBsHt3_M&title=Mobills%3A+Finan%C3%A7as+Pessoais&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.gerenciadorfinanceiro.controller\" class=\"download-btn\" id=\"download-btn-0\" data-instance=\"1\" data-title=\"Mobills: Finan\u00e7as Pessoais\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-0\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Mobills: Finan\u00e7as Pessoais\",\n                            app_instance: 1,\n                            button_id: \"download-btn-0\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Mobills: Finan\u00e7as Pessoais\",\n                                    app_instance: 1,\n                                    button_id: \"download-btn-0\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Organizze: postala je pretplatni\u010dka usluga i dobila je Open Finance.<\/h3>\n<p>Organizze je promijenio svoj model: trenutni popis nudi 7-dnevnu probnu verziju ru\u010dne verzije, nakon \u010dega slijedi pretplata. U prethodnoj verziji ovog teksta navedeno je da je besplatna i da nudi samo ru\u010dnu obradu; danas sinkronizira ra\u010dune i kartice putem Open Financea te sadr\u017ei ponavljaju\u0107a pla\u0107anja, ograni\u010denja kategorija i predvi\u0111anje stanja. Ima ocjenu 4,6 na Google Playu (57 000 recenzija) i 4,6 na App Storeu (46 000), milijun preuzimanja na Androidu i postoji ve\u0107 17 godina, prema vlastitom popisu. To ima smisla za one koji su ve\u0107 odlu\u010dili da \u017eele automatski uvoz u brazilskoj aplikaciji s korisni\u010dkom slu\u017ebom na portugalskom.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/3WyfSAHPUxz9h33y4DUWtEsaMluxT_WbgamnKP2srOF-vmhUJInDfcYSnYB_uKr73-rce4OceAOqP_A6vwPLfg\" alt=\"Organiziraj: Logo financijske kontrole\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Organiziraj: Financijska kontrola<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.60;\" aria-label=\"Ocjena 4,6 od 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F3WyfSAHPUxz9h33y4DUWtEsaMluxT_WbgamnKP2srOF-vmhUJInDfcYSnYB_uKr73-rce4OceAOqP_A6vwPLfg&title=Organizze%3A+Controle+Financeiro&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.organizze.android\" class=\"download-btn\" id=\"download-btn-1\" data-instance=\"2\" data-title=\"Organizze: Controle Financeiro\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-1\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Organizze: Controle Financeiro\",\n                            app_instance: 2,\n                            button_id: \"download-btn-1\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Organizze: Controle Financeiro\",\n                                    app_instance: 2,\n                                    button_id: \"download-btn-1\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Monefy: samo ru\u010dno, i to ga \u010dini brzim.<\/h3>\n<p>Nije potrebna bankovna veza: otvorite aplikaciju, dodirnite kategoriju, unesite iznos i gotovi ste. To je aplikacija za one koji \u017eele osjetiti svaki tro\u0161ak dok ga upisuju. Ima ocjenu 4,5 na Google Playu s 194 000 recenzija i 10 milijuna preuzimanja. Sigurnosne kopije pohranjuju se na va\u0161 vlastiti Google Drive ili Dropbox ra\u010dun, \u0161to vam tako\u0111er omogu\u0107uje sinkronizaciju dva ure\u0111aja ili dijeljenje kontrole s drugom osobom u va\u0161em ku\u0107anstvu. Opis u trgovini je na portugalskom jeziku iz Portugala (&quot;poupan\u00e7as&quot;, &quot;registar&quot;), \u0161to se na prvi pogled mo\u017ee \u010diniti \u010dudnim.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/3YvCk9EkKbEN1Apz1x0elK2EltNctGj1eTtgUZVSTQ87q3uhz0Qg923pJsrj3Qrg0BU6ZM0cQTrtdQlkK_r2tw\" alt=\"Monefy: Logotip za novac i tro\u0161kove\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Monefy: Novac i tro\u0161kovi<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.50;\" aria-label=\"Ocjena 4,5 od 5\"><\/span>  <span class=\"rating-text\">4,5<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F3YvCk9EkKbEN1Apz1x0elK2EltNctGj1eTtgUZVSTQ87q3uhz0Qg923pJsrj3Qrg0BU6ZM0cQTrtdQlkK_r2tw&title=Monefy%3A+Dinheiro+e+despesas&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.monefy.app.lite\" class=\"download-btn\" id=\"download-btn-2\" data-instance=\"3\" data-title=\"Monefy: Dinheiro e despesas\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-2\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Monefy: Dinheiro e despesas\",\n                            app_instance: 3,\n                            button_id: \"download-btn-2\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Monefy: Dinheiro e despesas\",\n                                    app_instance: 3,\n                                    button_id: \"download-btn-2\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Nov\u010danik, tvrtke BudgetBakers: za one koji dijele prora\u010dun s nekim.<\/h3>\n<p>Aplikacija ima automatsko povezivanje s bankom, dijeljene ra\u010dune s drugom osobom (svaka osoba upravlja svojim ra\u010dunom s telefona), vi\u0161e valuta i izvoz u CSV, XLS i PDF. Ima najvi\u0161u ocjenu u svojoj grupi: 4,7 s 385 000 recenzija i 10 milijuna preuzimanja. Va\u017eno je napomenuti prekomjeran broj zna\u010dajki: u prvom mjesecu zanemarite portfelje dionica, jamstva i popise za kupovinu te koristite samo ra\u010dune, kategorije i ograni\u010denja potro\u0161nje.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/dQlNIZVt_gF7PxshIiF4ZprRaZ3RL7ZsoUfF4jFyHvbweAoB-dqxXNOXmm2W6_xRVbUZgHpL18GV2AQYE6W2DA\" alt=\"Nov\u010danik - Logo za osobne financije\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Nov\u010danik - Osobne financije<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.70;\" aria-label=\"Ocjena 4,7 od 5\"><\/span>  <span class=\"rating-text\">4,7<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FdQlNIZVt_gF7PxshIiF4ZprRaZ3RL7ZsoUfF4jFyHvbweAoB-dqxXNOXmm2W6_xRVbUZgHpL18GV2AQYE6W2DA&title=Wallet+-+Finan%C3%A7as+Pessoais&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.droid4you.application.wallet\" class=\"download-btn\" id=\"download-btn-3\" data-instance=\"4\" data-title=\"Wallet - Finan\u00e7as Pessoais\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-3\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Wallet - Finan\u00e7as Pessoais\",\n                            app_instance: 4,\n                            button_id: \"download-btn-3\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Wallet - Finan\u00e7as Pessoais\",\n                                    app_instance: 4,\n                                    button_id: \"download-btn-3\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h3>Moja u\u0161teda: 2,9 na Androidu, 4,6 na iPhoneu<\/h3>\n<p>Ostaje a\u017euriran (najnovija verzija u kolovozu 2026. u obje trgovine) i povezuje se putem Open Financea, ali ocjene govore dvije razli\u010dite pri\u010de: 2,9 na Google Playu s 52 000 recenzija, naspram 4,6 na App Storeu s 58 000. Na Androidu bih odabrao jedan od \u010detiri gore navedenih; na iPhoneu je na mom popisu za testiranje.<\/p>\n<h2>\u0160to vam ve\u0107 prikazuje aplikacija va\u0161e banke<\/h2>\n<p>Prije nego \u0161to instalirate bilo \u0161to, otvorite aplikaciju svoje banke i potra\u017eite &quot;tro\u0161kove&quot;, &quot;mjese\u010dni sa\u017eetak&quot; ili &quot;planiranje&quot;. Mnoge banke ve\u0107 grupiraju ra\u010dune i izvode kreditnih kartica po kategorijama i obavje\u0161tavaju vas kada se ra\u010dun zatvori. Za one koji imaju samo jedan ra\u010dun i koriste karticu te banke, ovo rje\u0161ava problem pra\u0107enja 30 dana bez ikakvih transakcija. Ono \u0161to aplikacija banke ne vidi jest ono \u0161to je izvan nje: kartica druge marke, ra\u010dun supru\u017enika, gotovina, bonovi za hranu. Oni koji svoj novac raspore\u0111uju na tri mjesta trebaju aplikaciju koja sve to objedinjuje. Ako je ideja upravo koncentrirati sve na jedan digitalni ra\u010dun bez naknada, onda... <a href=\"https:\/\/tikmobiles.com\/hr\/najbolje-aplikacije-za-digitalne-banke\/\">Usporedba digitalnih banaka i tro\u0161kova svakog ra\u010duna.<\/a> Poma\u017ee vam da odaberete gdje usmjeriti svoje napore.<\/p>\n<h2>Gre\u0161ke koje ubijaju prora\u010dun ve\u0107 u drugom tjednu.<\/h2>\n<ul>\n<li><b>Previsoka kategorija.<\/b> Dvadeset kategorija predstavlja dvadeset odluka po tro\u0161ku. Po\u010dnite s tri obitelji i maksimalno osam podkategorija; devetu stvorite tek kada prema\u0161i 10% za mjesec.<\/li>\n<li><b>Prebrojite kartu dva puta.<\/b> Kupnja kreditnom karticom unosi se na datum kupnje, u odgovaraju\u0107u kategoriju. Pla\u0107anje ra\u010duna je prijenos izme\u0111u ra\u010duna i kartice, a ne tro\u0161ak. Oni koji evidentiraju oboje vide dvostruke mjese\u010dne tro\u0161kove i odustaju.<\/li>\n<li><b>Odustani na prvi znak problema.<\/b> Prekora\u010denje gornje granice isporuke R$ 80 je informacija za gornju granicu sljede\u0107eg mjeseca, a ne neuspjeh.<\/li>\n<li><b>Gol bez broja.<\/b> \u201c&quot;U\u0161teda novca&quot; se ne zbraja. &quot;R$ 250 mjese\u010dno u rezervi do lipnja&quot; se zbraja.<\/li>\n<li><b>Platite pretplatu prvog dana.<\/b> Bez 60 dana kori\u0161tenja, ne znate je li ono \u0161to nedostaje automatski uvoz ili dosljednost.<\/li>\n<li><b>Zaboravite \u0161to je godi\u0161nje.<\/b> Porez na imovinu, osiguranje, \u0161kolski pribor, pokloni za kraj godine. Podijelite s 12 i stvorite kategoriju &quot;godi\u0161nji tro\u0161kovi&quot; s tim iznosom svaki mjesec.<\/li>\n<\/ul>\n<h2>Uobi\u010dajena pitanja<\/h2>\n<h3>Koja je najbolja aplikacija za po\u010detak od nule?<\/h3>\n<p>Jednostavan ru\u010dni pristup, poput Monefyja ili besplatnog plana od Mobillsa. Cilj prvih 30 dana je mjerenje performansi, a ru\u010dno postavljanje dio je procesa u\u010denja. Automatsko povezivanje je odluka za drugi ili tre\u0107i mjesec.<\/p>\n<h3>\u0160to aplikacija prima kada se pove\u017eem putem Open Financea?<\/h3>\n<p>Dijeljenje podataka obuhva\u0107a stavke i vremenski okvir koje odobrite, kao \u0161to su stanje i transakcije. Valjanost mo\u017ee biti dulja od 12 mjeseci ovisno o ponudi i svrsi; pogledajte zaslon za pristanak i poni\u0161tite ga kad god \u017eelite. Dijeljenje podataka za ponudu razlikuje se od odobravanja usluge iniciranja pla\u0107anja.<\/p>\n<h3>Nije li dovoljna aplikacija banke?<\/h3>\n<p>To je dovoljno sve dok sav va\u0161 novac ide preko te banke. Ako u ku\u0107anstvu postoji druga kartica, gotovina, bonovi za hranu ili tu\u0111i ra\u010dun, aplikacija banke ne vidi dio mjeseca, a prora\u010dun mora sve uzeti u obzir.<\/p>\n<h3>Trebam li platiti za ponudu po kategoriji?<\/h3>\n<p>Pet aplikacija navodi prora\u010dun ili ograni\u010denje po kategoriji me\u0111u zna\u010dajkama na stranici aplikacije. Ono \u0161to trgovine aplikacija izri\u010dito navode kao pla\u0107eno jest bankovna veza u Mobills Premiumu i, u Organizzeu, kori\u0161tenje aplikacije nakon 7-dnevnog probnog razdoblja. Budu\u0107i da stranice aplikacija ne detaljno opisuju ostatak po planovima, otvorite zaslon s planovima prvog dana i primijetite \u0161to je zaklju\u010dano.<\/p>\n<h3>Postoji li GuiaBolso jo\u0161 uvijek?<\/h3>\n<p>Ne. Popis na Google Playu vra\u0107a gre\u0161ku 404: aplikaciju je kupio PicPay i uklonjena je iz trgovina aplikacija. Ako se APK pojavljuje negdje drugdje, zanemarite ga; izvan trgovine nema a\u017euriranja ni podr\u0161ke, a stara verzija ovog teksta koja ga je preporu\u010dila je zastarjela.<\/p>\n<p>Prvi korak nije instaliranje ni\u010dega: to je zapisivanje dana\u0161njih tro\u0161kova, uklju\u010duju\u0107i iznos i kategoriju, prije spavanja. Sutra zapi\u0161ite sutra\u0161nje tro\u0161kove. Za 30 dana imat \u0107ete broj koji nijedna aplikacija ne mo\u017ee izmisliti za vas, a zatim odabir izme\u0111u Mobills, Organizze, Monefy i Wallet traje deset minuta.<\/p>\n<h2>Pro\u010ditajte tako\u0111er<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-kontrolu-duga\/\">Aplikacije za upravljanje dugom: mapirajte \u0161to dugujete i pregovarajte putem mobilnog telefona.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-kupone-za-ustedu-novca\/\">Aplikacije za u\u0161tedu novca: usporedite cijene i prona\u0111ite kupone prije kupnje.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/najbolje-aplikacije-za-digitalne-banke\/\">Digitalne banke: najbolje aplikacije za besplatne ra\u010dune i kartice bez godi\u0161nje naknade<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/najbolje-aplikacije-za-ulaganje\/\">Najbolje aplikacije za ulaganje: kako otvoriti ra\u010dun i zapo\u010deti s malo novca.<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Vou ser direto: nenhum aplicativo economiza dinheiro por voc\u00ea. O que um bom app de or\u00e7amento faz \u00e9 mostrar, com data e valor, para onde foram\u2026<\/p>","protected":false},"author":1,"featured_media":31084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"mobile-allow":"","post-descricao":"","texto-interacao":"","bt-1":"","lk-1":"","bt-2":"","lk-2":"","bt-3":"","lk-3":"","bt-4":"","lk-4":"","_revidia_rewards_active":"","footnotes":""},"categories":[21],"tags":[],"class_list":["post-30438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financeiro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Economizar dinheiro com apps: como montar e seguir um or\u00e7amento mensal - Tik Mobiles<\/title>\n<meta name=\"description\" content=\"M\u00e9todo de or\u00e7amento em 30 dias, teto por categoria e revis\u00e3o semanal, mais o que Mobills, Organizze, Monefy e Wallet cobram e liberam no plano gr\u00e1tis.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tikmobiles.com\/hr\/ustedite-novac-s-aplikacijama\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Economizar dinheiro com apps: como montar e seguir um or\u00e7amento mensal - 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