SPAREN
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Okudawunilodiwe
Wonke umuntu
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Mayelana nalolu hlelo lokusebenza
Ngosizo lohlelo lokusebenza lwe-SPAREN💰, umsebenzisi unquma izimpahla zakhe zokugcina, inzalo, izintela ezisebenzayo kanye nembuyiselo evela kutshalomali lwakhe lwemali yesikhathi esisodwa 💶 (uhlamvu lwediphozi yesikhathi esimisiwe).
Imingcele yokufaka inquma usuku lokutshalwa kwezimali, inani lokutshalwa kwezimali, izinga lenzalo, isikhathi (izinyanga ezi-1 kuye kwezingu-240), idethi yenzalo, imodi yenzalo (inkokhelo yenzalo noma isikweletu senzalo = inzalo) kanye nezimfuneko zentela ezifana nokubamba intela engu-25% yibhange 🏦 noma isilinganiso sentela yomuntu siqu kanye, uma sikhona, intela yesonto ⛪ impahla enkulu ekupheleni kwesikhathi.
Ngaphezu kokutshalwa kwezimali okukodwa 💶, izitolimende zokonga ezivamile 🪙 (inani, idethi yesitolimende sokuqala kanye nesikhawu phakathi kwezitolimende) nazo zingafakwa (izinhlelo zokonga) futhi zifakwe ezibalweni (okuhlanganisa nokucatshangelwa kwentela ozikhethela).
Ngaphezu kwenzalo, izimbuyiselo, izintela nezimpahla zokugcina, imali engenayo yebhange (imaliji engu-€ kanye ne-% p.a.) nayo iboniswa njengophawu lokuma olungathathi hlangothi kusetshenziswa indlela yamanje yenani lenzalo yemakethe, kucatshangelwa ukwakheka kwamanje kwenzalo 📈📉 ye-Deutsche Bundesbank.
Lokhu kwenza ikhasimende lasebhange libe nomthelela omkhulu ezimeni (izinga lenzalo, izindlela zokubala inzalo, isikhathi) ngenxa yesimo salo sentela ebhange, okungaholela ezimpahleni ezinkulu zokugcina kanye nembuyiselo ekupheleni kwesikhathi.
Uhlelo lwe-akhawunti enemininingwane enayo yonke idatha yokufaka ye-investimenti kanye nezinsuku zenzalo, inzalo namanani entela, amabhalansi emali yemali ngosuku kanye nobufakazi bemajini obuvela ebhange ngesikhathi sokunikezwayo ngokuya ngesakhiwo senzalo esivumelekile sinikeza ukubuka konke okunemininingwane kuyo yonke inqubo yokunquma izinga lenzalo.
Izibalo ezenziwayo zingalondolozwa 💾 kungobo yomlando 🗃️ ngaphansi kwegama olithandayo (okunemingcele yokubala ebalulekile engezwe ngokuzenzakalelayo) futhi kuvulwe futhi ngokuqondile 📂 ngedethi yakamuva.
I-SPAREN💰 futhi ikuvumela ukuthi wabelane ngohlelo lwe-akhawunti kanye nesakhiwo sezinga lenzalo ngokuhlukene nangokuphelele ku-HTML (yeWebBrowser 🌍) kanye nefomethi ye-CSV yamaspredishithi 🧮 (Excel, LibreCalc, njll.) noma ukucubungula umbhalo 📝 ukuze uhlele/ubukwe okwengeziwe 📤, ukulondoloza endaweni njengefayela 📤 nge-imeyili 📧 ngokuthumela. Lokhu kusho ukuthi ukubala okuphelele kungenziwa futhi kufinyeleleke kwabanye abantu noma ibhange lendlu (ukukhanya kwezibalo ezenziwe).
🌟Amaphuzu avelele ohlelo lokusebenza lwe-SPAREN💰 olunezici ezilandelayo:
▪️ Uhlelo lokuqhathanisa lwekhasimende 😉
▪️Isisekelo sokubala: Ukwakheka kwezinga lenzalo 📈📉 ye-Deutsche Bundesbank ye-Pfandbriefe ngokuya ngosuku lokunikezwa kwebhange
▪️Ukubalwa kwemajini yenani lamanje kanye nemajini yenzalo 🧮
▪️Okusha okuvela enguqulweni engu-1.02 kuyinani elizenzakalelayo ✏️ (izinga lenzalo, inzalo, imali yokugcina kanye nenani lamanje lemajini), okuwumphumela wesibalo. Isibonelo, uma imali yokugcina icacisiwe, izinga lenzalo elidingekayo kulokhu liyalungiswa ukuze liholele kule mali yokugcina.
= Isimiso sesixazululo esishintshashintshayo 😉
▪️Amathiphu okuthuthukisa okunikezwayo 📝
▪️uhlelo lokutshalwa kwezimali olunembile nsuku zonke 📊 olunobufakazi obuningiliziwe bezibalo zenzuzo 💰💸
▪️Londoloza 💾, layisha 📂 kungobo yomlando🗄️bese wabelana 📤izibalo zokutshalwa kwezimali noma ngefomethi ye-html ne-CSV ukuze uphrinte noma uqinisekise ebhange lakho njengesisekelo sokuxoxisana ngezimo ezingcono zokutshala izimali (izinga lenzalo eliphezulu)
▪️ayikho iqoqo ledatha yomuntu siqu yomsebenzisi
▪️Izimvume ezincane zokulanda idatha yenzalo kwa-Deutsche Bundesbank nokwabelana/ukuthumela izibalo ezenziwe:
- ACCESS_NETWORK_STATE
- I-INTERNET
- READ_EXTERNAL_STORAGE
▪️akukho ukukhangisa okucasulayo noma ukuboniswa kwevidiyo 🙂
▪️Landela intuthuko yesikhathi esizayo 💡enezici ezintsha ⚙️🔧...
⚠️Asikho isikweletu esithathwayo ngokunemba kwezibalo kwezibalo nemiphumela kusetshenziswa uhlelo lokusebenza lwe-SPAREN💰.
I-SAVE💰 isebenza kuma-smartphones kanye namathebulethi📱 ngokulinganayo ukusuka ku-Android 7.0
(≙ Nougat = I-Android API 24) enokulungiswa kwesikrini okunconyiwe 1920*1080 (i-HD egcwele).
Zithokozise nge-SAVE💰
Ithimba lephrojekthi uVolker Erich Sachs noDkt. Christian Sievi 😉👍🏼
Imingcele yokufaka inquma usuku lokutshalwa kwezimali, inani lokutshalwa kwezimali, izinga lenzalo, isikhathi (izinyanga ezi-1 kuye kwezingu-240), idethi yenzalo, imodi yenzalo (inkokhelo yenzalo noma isikweletu senzalo = inzalo) kanye nezimfuneko zentela ezifana nokubamba intela engu-25% yibhange 🏦 noma isilinganiso sentela yomuntu siqu kanye, uma sikhona, intela yesonto ⛪ impahla enkulu ekupheleni kwesikhathi.
Ngaphezu kokutshalwa kwezimali okukodwa 💶, izitolimende zokonga ezivamile 🪙 (inani, idethi yesitolimende sokuqala kanye nesikhawu phakathi kwezitolimende) nazo zingafakwa (izinhlelo zokonga) futhi zifakwe ezibalweni (okuhlanganisa nokucatshangelwa kwentela ozikhethela).
Ngaphezu kwenzalo, izimbuyiselo, izintela nezimpahla zokugcina, imali engenayo yebhange (imaliji engu-€ kanye ne-% p.a.) nayo iboniswa njengophawu lokuma olungathathi hlangothi kusetshenziswa indlela yamanje yenani lenzalo yemakethe, kucatshangelwa ukwakheka kwamanje kwenzalo 📈📉 ye-Deutsche Bundesbank.
Lokhu kwenza ikhasimende lasebhange libe nomthelela omkhulu ezimeni (izinga lenzalo, izindlela zokubala inzalo, isikhathi) ngenxa yesimo salo sentela ebhange, okungaholela ezimpahleni ezinkulu zokugcina kanye nembuyiselo ekupheleni kwesikhathi.
Uhlelo lwe-akhawunti enemininingwane enayo yonke idatha yokufaka ye-investimenti kanye nezinsuku zenzalo, inzalo namanani entela, amabhalansi emali yemali ngosuku kanye nobufakazi bemajini obuvela ebhange ngesikhathi sokunikezwayo ngokuya ngesakhiwo senzalo esivumelekile sinikeza ukubuka konke okunemininingwane kuyo yonke inqubo yokunquma izinga lenzalo.
Izibalo ezenziwayo zingalondolozwa 💾 kungobo yomlando 🗃️ ngaphansi kwegama olithandayo (okunemingcele yokubala ebalulekile engezwe ngokuzenzakalelayo) futhi kuvulwe futhi ngokuqondile 📂 ngedethi yakamuva.
I-SPAREN💰 futhi ikuvumela ukuthi wabelane ngohlelo lwe-akhawunti kanye nesakhiwo sezinga lenzalo ngokuhlukene nangokuphelele ku-HTML (yeWebBrowser 🌍) kanye nefomethi ye-CSV yamaspredishithi 🧮 (Excel, LibreCalc, njll.) noma ukucubungula umbhalo 📝 ukuze uhlele/ubukwe okwengeziwe 📤, ukulondoloza endaweni njengefayela 📤 nge-imeyili 📧 ngokuthumela. Lokhu kusho ukuthi ukubala okuphelele kungenziwa futhi kufinyeleleke kwabanye abantu noma ibhange lendlu (ukukhanya kwezibalo ezenziwe).
🌟Amaphuzu avelele ohlelo lokusebenza lwe-SPAREN💰 olunezici ezilandelayo:
▪️ Uhlelo lokuqhathanisa lwekhasimende 😉
▪️Isisekelo sokubala: Ukwakheka kwezinga lenzalo 📈📉 ye-Deutsche Bundesbank ye-Pfandbriefe ngokuya ngosuku lokunikezwa kwebhange
▪️Ukubalwa kwemajini yenani lamanje kanye nemajini yenzalo 🧮
▪️Okusha okuvela enguqulweni engu-1.02 kuyinani elizenzakalelayo ✏️ (izinga lenzalo, inzalo, imali yokugcina kanye nenani lamanje lemajini), okuwumphumela wesibalo. Isibonelo, uma imali yokugcina icacisiwe, izinga lenzalo elidingekayo kulokhu liyalungiswa ukuze liholele kule mali yokugcina.
= Isimiso sesixazululo esishintshashintshayo 😉
▪️Amathiphu okuthuthukisa okunikezwayo 📝
▪️uhlelo lokutshalwa kwezimali olunembile nsuku zonke 📊 olunobufakazi obuningiliziwe bezibalo zenzuzo 💰💸
▪️Londoloza 💾, layisha 📂 kungobo yomlando🗄️bese wabelana 📤izibalo zokutshalwa kwezimali noma ngefomethi ye-html ne-CSV ukuze uphrinte noma uqinisekise ebhange lakho njengesisekelo sokuxoxisana ngezimo ezingcono zokutshala izimali (izinga lenzalo eliphezulu)
▪️ayikho iqoqo ledatha yomuntu siqu yomsebenzisi
▪️Izimvume ezincane zokulanda idatha yenzalo kwa-Deutsche Bundesbank nokwabelana/ukuthumela izibalo ezenziwe:
- ACCESS_NETWORK_STATE
- I-INTERNET
- READ_EXTERNAL_STORAGE
▪️akukho ukukhangisa okucasulayo noma ukuboniswa kwevidiyo 🙂
▪️Landela intuthuko yesikhathi esizayo 💡enezici ezintsha ⚙️🔧...
⚠️Asikho isikweletu esithathwayo ngokunemba kwezibalo kwezibalo nemiphumela kusetshenziswa uhlelo lokusebenza lwe-SPAREN💰.
I-SAVE💰 isebenza kuma-smartphones kanye namathebulethi📱 ngokulinganayo ukusuka ku-Android 7.0
(≙ Nougat = I-Android API 24) enokulungiswa kwesikrini okunconyiwe 1920*1080 (i-HD egcwele).
Zithokozise nge-SAVE💰
Ithimba lephrojekthi uVolker Erich Sachs noDkt. Christian Sievi 😉👍🏼
Kubuyekezwe ngo-
Ukuphepha kuqala ngokuqonda ukuthi onjiniyela baqoqa futhi babelane kanjani ngedatha yakho. Ubumfihlo bedatha nezinqubo zokuphepha zingahluka kuye ngokusebenzisa kwakho, isifunda, nobudala. Unjiniyela unikeze lolu lwazi futhi angalubuyekeza ngokuhamba kwesikhathi.
Ayikho idatha eyabiwe nezinkampani zangaphandle
Funda kabanzi mayelana nendlela onjiniyela abaveza ngayo ukwabelana
Ayikho idatha eqoqiwe
Funda kabanzi mayelana nokuthi onjiniyela bakuveza kanjani ukuqoqwa
Yini entsha
SPAREN💰 💡 N E U 💡 Stand Di 14.10.2025
1.04 - 1.30 : kleinere Korrekturen ⚙️🔧, regelmäßige SparRaten, CSV-Export
1.02:
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und Margen-Barwert)
- Ergebnis-Anzeige angepasst
0.34ß:
- Korrekturen
- Aufbereitung der Zinsstruktur-Daten 📈📉
- Optimierung Download Zinsstruktur-Daten der Deutschen Bundesbank
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat = API-Level 24) 🤖
1.04 - 1.30 : kleinere Korrekturen ⚙️🔧, regelmäßige SparRaten, CSV-Export
1.02:
- Vorgabewerte setzen (Zinssatz, Zinsen, Endkapital und Margen-Barwert)
- Ergebnis-Anzeige angepasst
0.34ß:
- Korrekturen
- Aufbereitung der Zinsstruktur-Daten 📈📉
- Optimierung Download Zinsstruktur-Daten der Deutschen Bundesbank
- Anlage Plan teilen 📤
- Archiv 🗃️: Laden 📂 und Speichern 💾 von Berechnungen
- minimale Android-Version auf 7.0 (Nougat = API-Level 24) 🤖
Ukusekelwa kwe-app
Mayelana nonjiniyela
Volker Erich Sachs
enrico.appy@gmail.com
Germany
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