{"id":10647,"date":"2025-04-30T08:48:07","date_gmt":"2025-04-30T05:48:07","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/?p=10647"},"modified":"2025-06-13T09:08:15","modified_gmt":"2025-06-13T06:08:15","slug":"best-budgeting-apps-for-financial-independence","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/best-budgeting-apps-for-financial-independence\/","title":{"rendered":"\u0623\u0641\u0636\u0644 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a:\u0628\u0648\u0627\u0633\u0637\u0629 \u062e\u0628\u064a\u0631 \u0645\u0627\u0644\u064a \u0645\u0639\u062a\u0645\u062f","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p>\u0625\u0646 \u0631\u062d\u0644\u0629 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (Financial Independence &#8211; FI) \u0645\u0645\u0647\u062f\u0629 \u0628\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u062f\u0631\u0648\u0633\u060c \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u062f\u0624\u0648\u0628\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a. \u0648\u0641\u064a \u0627\u0644\u0639\u0635\u0631 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u062d\u0627\u0644\u064a\u060c \u064a\u064f\u0639\u062f \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0642\u0648\u064a \u062d\u0644\u064a\u0641\u064b\u0627 \u0641\u0639\u0627\u0644\u064b\u0627 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0633\u0639\u0649. \u0639\u0644\u0649 \u0645\u0631 \u0627\u0644\u0633\u0646\u064a\u0646\u060c \u0627\u0633\u062a\u0643\u0634\u0641\u062a \u0627\u0644\u0648\u0627\u062c\u0647\u0627\u062a\u060c \u0648\u062d\u0644\u0644\u062a \u0627\u0644\u0623\u0631\u0642\u0627\u0645\u060c \u0648\u0627\u062e\u062a\u0628\u0631\u062a \u0645\u064a\u0632\u0627\u062a \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.digitaltrends.com\/mobile\/best-budget-and-finance-apps\/\" rel=\"\">\u0643\u0644 \u062a\u0637\u0628\u064a\u0642 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0631\u0626\u064a\u0633\u064a<\/a> \u0645\u0648\u062c\u0648\u062f\u060c \u0633\u0639\u064a\u064b\u0627 \u0644\u062a\u062d\u0633\u064a\u0646 \u0631\u062d\u0644\u062a\u064a \u0627\u0644\u062e\u0627\u0635\u0629 \u0646\u062d\u0648 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a. \u0648\u0646\u0639\u0645\u060c \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0623\u062d\u064a\u0627\u0646\u060c \u0643\u0627\u0646 \u0627\u0644\u0623\u0645\u0631 \u064a\u0645\u062b\u0644 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\u0627\u0644\u062a\u0637\u0628\u064a\u0642 &#8220;\u0627\u0644\u0623\u0641\u0636\u0644&#8221; \u0647\u0648 \u0623\u0645\u0631 \u0634\u062e\u0635\u064a \u0648\u064a\u0639\u062a\u0645\u062f \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0648\u0627\u0644\u062a\u0641\u0636\u064a\u0644\u0627\u062a \u0627\u0644\u0641\u0631\u062f\u064a\u0629. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062e\u0628\u0631\u062a\u064a \u0627\u0644\u0648\u0627\u0633\u0639\u0629\u060c \u062a\u0628\u0631\u0632 \u0628\u0639\u0636 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0628\u0645\u064a\u0632\u0627\u062a\u0647\u0627 \u0627\u0644\u0634\u0627\u0645\u0644\u0629\u060c \u0648\u0633\u0647\u0648\u0644\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627\u060c \u0648\u0642\u062f\u0631\u062a\u0647\u0627 \u0639\u0644\u0649 \u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0639\u0644\u0649 \u0634\u0624\u0648\u0646\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0647\u062f\u0641 \u0645\u062d\u062f\u062f \u0647\u0648 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0623\u0641\u0636\u0644 \u0627\u062e\u062a\u064a\u0627\u0631\u0627\u062a\u064a\u060c \u0645\u0635\u0646\u0641\u0629 \u062d\u0633\u0628 \u0646\u0642\u0627\u0637 \u0642\u0648\u062a\u0647\u0627 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0648\u0645\u0644\u0641\u0627\u062a \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u062b\u0627\u0644\u064a\u0629:<\/p>\n<h2 class=\"wp-block-heading\">\u0644\u0644\u0645\u064f\u062d\u0633\u0650\u0651\u0646 \u0627\u0644\u0645\u064f\u0648\u062c\u0651\u064e\u0647 \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/h2>\n<p><img decoding=\"async\" class=\"wp-image-3917776 aligncenter\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/YNAB-App-All-1.jpg\" alt=\"YNAB all apps.\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" \/ width=\"2000\" height=\"1125\"><\/p>\n<p><a href=\"https:\/\/apps.apple.com\/us\/app\/ynab\/id1010865877\" target=\"_blank\" rel=\"noopener noreferrer\">YNAB (You Need A Budget)<\/a> \u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u062a\u0637\u0628\u064a\u0642 \u0644\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u061b \u0628\u0644 \u0647\u0648 \u0641\u0644\u0633\u0641\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 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src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/empower-app_0647d7-1.jpg\" alt=\"\u062a\u0637\u0628\u064a\u0642 Empower.\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on-async--click=\"actions.showLightbox\" data-wp-on-async--load=\"callbacks.setButtonStyles\" data-wp-on-async-window--resize=\"callbacks.setButtonStyles\" \/ width=\"1474\" height=\"1032\"><\/p>\n<p><a href=\"https:\/\/apps.apple.com\/us\/app\/empower-personal-dashboard\/id504672168\" target=\"_blank\" rel=\"noopener noreferrer\">Empower Personal Dashboard<\/a> \u0645\u0646 Personal Capital \u064a\u062a\u0645\u064a\u0632 \u0628\u0646\u0647\u062c\u0647 \u0627\u0644\u0630\u064a \u064a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0648\u064a\u062a\u0643\u0627\u0645\u0644 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0623\u062f\u0648\u0627\u062a \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0642\u0648\u064a\u0629 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\u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0639\u0646\u0627\u0635\u0631 \u0627\u0644\u062d\u0627\u0633\u0645\u0629 \u0645\u062b\u0644 \u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0623\u0635\u0648\u0644 \u0648\u0645\u0642\u0627\u064a\u064a\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647\u0627\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0628\u0631 \u062d\u064a\u0648\u064a\u0629 \u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062a\u064a \u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 (FI). \u0647\u0630\u0627 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0645\u0646 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0644\u0647 \u062f\u0648\u0631 \u0641\u0639\u0627\u0644 \u0641\u064a \u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0645\u0633\u062a\u0646\u064a\u0631\u0629 \u062a\u062a\u0645\u0627\u0634\u0649 \u0645\u0639 \u0623\u0647\u062f\u0627\u0641\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. *\u0645\u0644\u0627\u062d\u0638\u0629: \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (Financial Independence &#8211; FI) \u0647\u0648 \u0647\u062f\u0641 \u064a\u0633\u0639\u0649 \u0625\u0644\u064a\u0647 \u0627\u0644\u0643\u062b\u064a\u0631\u0648\u0646 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062d\u0631\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0628\u0643\u0631.*<\/p>\n<p>\u062a\u0639\u062a\u0628\u0631 \u0645\u064a\u0632\u0629 \u062a\u062a\u0628\u0639 \u0635\u0627\u0641\u064a \u0627\u0644\u062b\u0631\u0648\u0629 \u062c\u0630\u0627\u0628\u0629 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635\u060c \u062d\u064a\u062b \u062a\u0642\u062f\u0645 \u0644\u0648\u062d\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062c\u0630\u0627\u0628\u0629 \u0628\u0635\u0631\u064a\u064b\u0627 \u062a\u062a\u064a\u062d \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0645\u0631\u0627\u0642\u0628\u0629 \u0645\u0633\u0627\u0631\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0633\u0647\u0648\u0644\u0629. \u0647\u0630\u0627 \u0627\u0644\u062a\u0645\u062b\u064a\u0644 \u0627\u0644\u0648\u0627\u0636\u062d \u0644\u0644\u062a\u0642\u062f\u0645 \u0644\u0627 \u064a\u062d\u0641\u0632 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0641\u062d\u0633\u0628\u060c \u0628\u0644 \u064a\u0633\u0644\u0637 \u0627\u0644\u0636\u0648\u0621 \u0623\u064a\u0636\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a.<\/p>\n<p>\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u064a\u0641\u062a\u062e\u0631 Empower \u0628\u0622\u0644\u0627\u062a \u062d\u0627\u0633\u0628\u0629 \u0645\u062a\u0637\u0648\u0631\u0629 \u0644\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u062a\u0642\u0627\u0639\u062f. \u062a\u0645\u0643\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0645\u0646 \u062a\u0648\u0642\u0639 \u0623\u0648\u0636\u0627\u0639\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 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\u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0633\u0639\u0648\u0646 \u0625\u0644\u0649 \u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0623\u0648 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0628\u0627\u0634\u0631\u0629 \u0645\u0646 \u0627\u0644\u0645\u0646\u0635\u0629 \u0642\u062f \u064a\u062c\u062f\u0648\u0646\u0647\u0627 \u062a\u0641\u062a\u0642\u0631 \u0625\u0644\u0649 \u0630\u0644\u0643. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0644\u0627 \u062a\u0642\u062f\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0645\u0648\u0627\u0631\u062f \u062a\u0639\u0644\u064a\u0645\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0645\u062e\u0635\u0635\u0629\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u062a\u0631\u0643 \u0628\u0639\u0636 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u064a\u0631\u063a\u0628\u0648\u0646 \u0641\u064a \u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0625\u0631\u0634\u0627\u062f\u0627\u062a. *\u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u062c\u062f\u062f \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u064a\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629.*<\/p>\n<p><strong>\u0645\u062b\u0627\u0644\u064a \u0644\u0640<\/strong>: \u062a\u0637\u0628\u064a\u0642 Monarch Money \u0645\u062b\u0627\u0644\u064a \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0623\u0632\u0648\u0627\u062c \u0627\u0644\u0630\u064a\u0646 \u064a\u0628\u062d\u062b\u0648\u0646 \u0639\u0646 \u0646\u0647\u062c \u0634\u0627\u0645\u0644 \u0648\u062a\u0639\u0627\u0648\u0646\u064a \u0644\u0625\u062f\u0627\u0631\u0629 \u0634\u0624\u0648\u0646\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0625\u0646 \u062a\u0635\u0645\u064a\u0645\u0647 \u0627\u0644\u0628\u062f\u064a\u0647\u064a \u0648\u0642\u062f\u0631\u062a\u0647 \u0639\u0644\u0649 \u0631\u0628\u0637 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u062d\u062a\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629\u060c \u064a\u062c\u0639\u0644\u0647 \u0645\u0631\u0643\u0632\u064b\u0627 \u0645\u0631\u0643\u0632\u064a\u064b\u0627 \u0644\u062a\u062a\u0628\u0639 \u062c\u0645\u064a\u0639 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0641\u0631\u062f.<\/p>\n<h2 class=\"wp-block-heading\">\u0645\u0627 \u0648\u0631\u0627\u0621 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0627\u0644\u0623\u0641\u0636\u0644: \u0625\u0634\u0627\u0631\u0627\u062a \u062c\u062f\u064a\u0631\u0629 \u0628\u0627\u0644\u0630\u0643\u0631<\/h2>\n<p>\u0641\u064a \u062d\u064a\u0646 \u0623\u0646 YNAB \u0648 Empower \u0648 Monarch \u0642\u062f \u0623\u062b\u0627\u0631\u0648\u0627 \u0625\u0639\u062c\u0627\u0628\u064a \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0628\u0645\u064a\u0632\u0627\u062a\u0647\u0645 \u0627\u0644\u0642\u0648\u064a\u0629 \u0648\u062a\u0635\u0645\u064a\u0645\u0627\u062a\u0647\u0645 \u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0623\u0639\u062a\u0642\u062f \u0623\u0646 \u062b\u0644\u0627\u062b\u0629 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0623\u062e\u0631\u0649 \u062a\u0633\u062a\u062d\u0642 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u062a\u0642\u062f\u064a\u0631 \u0644\u0639\u0631\u0648\u0636\u0647\u0627 \u0627\u0644\u0641\u0631\u064a\u062f\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 <mark>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629<\/mark>:<\/p>\n<h3 class=\"wp-block-heading\">PocketGuard<\/h3>\n<p>\u064a\u0634\u062a\u0647\u0631 \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0628\u0648\u0627\u062c\u0647\u062a\u0647 \u0627\u0644\u0646\u0638\u064a\u0641\u0629 \u0648\u0627\u0644\u0628\u062f\u064a\u0647\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647 \u0633\u0647\u0644 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635. \u064a\u0648\u0641\u0631 <a href=\"https:\/\/apps.apple.com\/ca\/app\/pocketguard-budget-tracker-app\/id949414211\" target=\"_blank\" rel=\"noopener noreferrer\">PocketGuard<\/a> \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0635\u0648\u0631\u0629 \u0648\u0627\u0636\u062d\u0629 \u0639\u0646 \u0648\u0636\u0639\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0625\u0638\u0647\u0627\u0631 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u062a\u0627\u062d\u060c \u0623\u0648 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 &#8220;\u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u062c\u064a\u0628\u064a&#8221;\u060c \u0628\u0639\u062f \u062d\u0633\u0627\u0628 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0648\u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629. \u0647\u0630\u0627 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0645\u0628\u0633\u0651\u0637 \u0645\u0641\u064a\u062f \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0644\u0644\u0645\u0628\u062a\u062f\u0626\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0642\u062f \u064a\u0634\u0639\u0631\u0648\u0646 \u0628\u0627\u0644\u0625\u0631\u0647\u0627\u0642 \u0645\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0639\u0642\u064a\u062f\u064b\u0627. *\u064a\u0639\u062a\u0628\u0631 \u062a\u062a\u0628\u0639 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u062a\u0627\u062d \u0628\u0639\u062f \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0645\u0624\u0634\u0631\u064b\u0627 \u0645\u0627\u0644\u064a\u064b\u0627 \u0647\u0627\u0645\u064b\u0627 \u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0645\u0633\u062a\u0646\u064a\u0631\u0629 \u0628\u0634\u0623\u0646 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631.*<\/p>\n<h3 class=\"wp-block-heading\">EveryDollar<\/h3>\n<p><a href=\"https:\/\/apps.apple.com\/us\/app\/everydollar-budget-management\/id942571931\" target=\"_blank\" rel=\"noopener noreferrer\">EveryDollar<\/a> \u0647\u0648 \u062a\u0637\u0628\u064a\u0642 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0641\u0644\u0633\u0641\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 \u0627\u0644\u062a\u064a 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\u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0628\u062d\u062b\u0648\u0646 \u0639\u0646 \u0627\u0644\u0631\u0627\u062d\u0629 \u0648\u0645\u064a\u0632\u0627\u062a \u0645\u062b\u0644 \u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0631\u0648\u0627\u062a\u0628\u060c \u0648\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0627\u0644\u0645\u0645\u064a\u0632. \u064a\u0639\u062a\u0628\u0631 \u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0637\u0628\u064a\u0642 EveryDollar \u062e\u0637\u0648\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 \u0646\u062d\u0648 \u062a\u062d\u0642\u064a\u0642 <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.dztecs.com\/money\/debt-management-strategies-for-financial-freedom\/\">\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0627\u0644\u0641\u0639\u0627\u0644\u0629<\/a>.<\/p>\n<h3 class=\"wp-block-heading\">Copilot Money<\/h3>\n<p><a href=\"https:\/\/apps.apple.com\/us\/app\/copilot-track-budget-money\/id1447330651\" target=\"_blank\" rel=\"noopener noreferrer\">Copilot Money<\/a> \u0647\u0648 \u062a\u0637\u0628\u064a\u0642 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0634\u0624\u0648\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0645\u062a\u0627\u062d \u062d\u0635\u0631\u064a\u064b\u0627 \u0644\u0623\u062c\u0647\u0632\u0629 Apple\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 iPhones \u0648 iPads \u0648\u0623\u062c\u0647\u0632\u0629 Mac. \u064a\u0647\u062f\u0641 \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0625\u0644\u0649 \u062a\u0632\u0648\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0628\u0631\u0624\u064a\u0629 \u0648\u0627\u0636\u062d\u0629 \u0648\u0634\u0627\u0645\u0644\u0629 \u0644\u0645\u0634\u0647\u062f\u0650\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0623\u0643\u062b\u0631 \u0645\u0646 10,000 \u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629. \u0648\u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0641\u064a\u0647\u060c \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u062f\u0639\u0648\u0645 \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u062a\u0639\u0644\u0645 \u0645\u0646 \u062a\u0635\u062d\u064a\u062d\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062f\u0642\u0629 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a. \u064a\u0639\u062a\u0628\u0631 Copilot Money \u0623\u062f\u0627\u0629 \u0642\u0648\u064a\u0629 \u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0633\u0627\u0639\u062f 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\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631 (YNAB\u060c Monarch\u060c PocketGuard)\u060c \u0623\u0645 \u0623\u0646\u0643 \u062a\u0631\u064a\u062f \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u062a\u062a\u0628\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u062a\u0642\u0627\u0639\u062f (Empower)\u061f<\/li>\n<li><strong>\u0627\u0644\u0631\u0627\u062d\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629:<\/strong> \u0647\u0644 \u0623\u0646\u062a \u0645\u0646\u0641\u062a\u062d \u0639\u0644\u0649 \u0645\u0646\u062d\u0646\u0649 \u062a\u0639\u0644\u064a\u0645\u064a \u0623\u0643\u062b\u0631 \u062d\u062f\u0629 \u0644\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0642\u062f\u0645\u064b\u0627 (YNAB)\u060c \u0623\u0645 \u0623\u0646\u0643 \u062a\u0645\u064a\u0644 \u0646\u062d\u0648 \u0648\u0627\u062c\u0647\u0629 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\u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0645\u062c\u0627\u0646\u064a\u0629\u060c \u0648\u0627\u0643\u062a\u0634\u0641 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0630\u064a \u064a\u0644\u0647\u0645\u0643 \u0644\u0644\u0633\u064a\u0637\u0631\u0629 \u0639\u0644\u0649 \u0623\u0645\u0648\u0627\u0644\u0643 \u0648\u062a\u0634\u0643\u064a\u0644 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0631\u063a\u0648\u0628. \u0645\u0639 \u0648\u062c\u0648\u062f \u0627\u0644\u0634\u0631\u064a\u0643 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0627\u0644\u0630\u064a \u064a\u0631\u0627\u0641\u0642\u0643\u060c \u0633\u062a\u0634\u0639\u0631 \u0623\u0646 \u0631\u062d\u0644\u062a\u0643 \u0625\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0623\u0643\u062b\u0631 \u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u062d\u0642\u064a\u0642 \u0648\u062a\u0634\u062c\u064a\u0639\u064b\u0627. *\u062a\u0630\u0643\u0631 \u0623\u0646 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0627\u0644\u0642\u0635\u0648\u0649 \u0645\u0646 \u0623\u064a \u062a\u0637\u0628\u064a\u0642 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u064a\u062a\u0637\u0644\u0628 \u0641\u0647\u0645\u064b\u0627 \u0623\u0633\u0627\u0633\u064a\u064b\u0627 \u0644\u0644\u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629.*<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>\u0625\u0646 \u0631\u062d\u0644\u0629 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (Financial Independence &#8211; FI) \u0645\u0645\u0647\u062f\u0629 \u0628\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u062f\u0631\u0648\u0633\u060c 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