Splid ko Splitwise: babu rajista da babu iyaka, ko babbar hanyar sadarwa?

Wani ya ba da shawarar Splid domin “ba ma ku buƙatar asusu”. Wani kuma ya yi amfani da Splitwise tsawon shekaru kuma kowace tafiyarsa tana cikinta. Duka manhajojin biyu suna raba kuɗi; an gina su ne a kan ra’ayoyi masu karo da juna game da inda wahala take.

Splid tana cin caca cewa wahalar ita ce shigar da mutane, don haka ta cire rajista gaba ɗaya. Splitwise tana cin caca cewa wahalar ita ce riƙe ƙungiya tare tsawon shekaru, don haka komai yana rataye a kan asusu — sannan tana cajin kuɗi kan abubuwan jin daɗi. Wace caca ta dace da ku ya dogara ne kan tsawon rayuwar ƙungiyarku da yawan kashe kuɗin da take rubutawa.

Abin da aka gina kowace manhaja don shi

Splid mai raba kuɗi ce kyauta ba tare da asusu ba. Mutum ɗaya yana ƙirƙirar ƙungiya, ya raba ta, kuma kowa yana shiga ba tare da rajista ba. Babu iyaka kan kashe kuɗi kuma babu tallace-tallace, tana aiki ba tare da intanet ba, tana canjawa tsakanin kuɗaɗe fiye da 150 kai tsaye, kuma za ku iya sauke taƙaitawa a matsayin fayil na PDF (fitar da shi zuwa Excel sayayya ce a cikin manhaja). Ƙarin abubuwa kamar ƙarin ƙungiyoyi ana sayar da su a matsayin sayayya a cikin manhaja da ake biya sau ɗaya, ba biyan kuɗi na wata-wata ba. Ta fi kyau ga tafiyar da ke farawa ranar Juma’a kuma aka daidaita ta zuwa mako mai zuwa.

Splitwise ita ce manhajar da ta mai da raba kuɗi abin da kowa ya sani. Kowa yana buƙatar asusu, tana da manhajar yanar gizo balagagga, kuma akwai babbar hanyar sadarwa ta mutanen da suka riga suka kasance a cikinta. Shirinta na kyauta yana da ma’auni: har zuwa kashe kuɗi huɗu a rana, tallace-tallace tsakanin allo, da matakin Pro na $4.99 a wata da ke riƙe duba rasit, canja kuɗin ƙasa, raba abu-abu da binciken kashe kuɗi.

Iyakar yau da kullum a tafiya ta gaske

Abokai biyar, kwana huɗu, hutun birni a Abuja. Ga abin da ƙungiyar ke rubutawa a zahiri:

A Splid dukan goma sha tara suna shiga yayin da suke faruwa. A Splitwise kyauta, huɗu daga cikinsu — kusan ɗaya cikin biyar — suna jiran wata rana, ɗaukaka zuwa Pro, ko ƙwaƙwalwar wani, kuma a tafiya wannan shi ne matakin da ma’aunai ke ɓacewa. Ga ma’aurata da ke rubuta kuɗi uku a mako iyakar ba ta taɓa cizo ba; ga ƙungiya a kan hanya tana cizo tun rana ta farko. Cikakken hoton yana cikin iyakar yau da kullum ta Splitwise: kashe kuɗi nawa ne kyauta a rana.

Shigar da ƙungiyar

Wannan shi ne dukan dalilin wanzuwar Splid. Babu wanda ke ƙirƙirar asusu, babu wanda ke tabbatar da imel, babu wanda ake neman kalmar sirri daga gare shi; abokin aboki da ba zai taɓa sanya manhaja ta biyu don ƙarshen mako ɗaya ba yana ciki cikin minti ɗaya.

Splitwise tana neman kowa ya yi rajista kafin ya ga ƙungiyar. Wannan wahala ce a rana ta farko, amma tana saya wani abu: ƙungiyoyin kowane mutum suna ɗaure da shi, a kowace waya. A Splid ƙungiyar tana zaune da na’urorin da suka shiga ta, kuma daidaitawa ta dogara ne da lamba maimakon ɗaure da mutumin da ya shiga — ba komai ga ƙarshen mako, mafi rauni ga gidan haɗin gwiwa inda wani ke canja waya a tsakiyar shekara. Ma’anar “babu rajista” ta gaskiya tana zurfafa kan wannan sulhu.

Ƙarfin raba

Duka manhajojin suna raba kashe kuɗi daidai, bisa ainihin adadi, bisa kaso da bisa rabo, abin da ya rufe haya, kayan abinci da tasi na gama gari. Babu ɗayansu da ke karanta rasit a matakinta na kyauta: Splid ba ta karanta rasit kwata-kwata, Splitwise kuma tana yi ne a Pro kawai. Raba abu-abu — ba da kowane layi na takardar kuɗi ga wanda ya samu shi — fasali ne na Pro a Splitwise kuma babu shi kwata-kwata a Splid.

Kuɗaɗen ƙasashe

Splid tana canja kuɗaɗe kyauta. A Splitwise, canja kuɗin ƙasa ɓangare ne na Pro. Ga ƙungiyar da ke ƙetare iyaka, ko abokan da ke zaune a ƙasashe daban-daban, wannan kaɗai yana yanke hukunci. Hanyar da ke sa tafiyar kuɗaɗe da yawa ta zama mai adalci tana cikin yadda ake raba kuɗi tsakanin kuɗaɗe daban-daban.

Daidaitawa

Duka manhajojin suna rage ma’aunai zuwa gajeren jerin biyan kuɗi, kuma babu ɗayansu da ke motsa muku kuɗi, sai dai Splitwise Pay ta Amurka kaɗai. Kuna biyan juna ta hanyar da kuka saba ku yi alamar an gama.

Gefe da gefe

Ƙarfin Splitwise guda biyu — manhajar yanar gizo da hanyar sadarwa — na gaske ne, kuma ba sa bayyana a layin fasali. Don cikakken bayani kan kowace manhaja, duba Donget da Splid da Donget da Splitwise.

Wace za ku zaɓa

Ƙarshen mako ko tafiyar sau ɗaya, ba wanda ke son rajista. Splid. Ita ce hanya mafi sauri daga “wa ke ciki?” zuwa rubutawa.

Tafiya ƙasar waje mai yawan ƙananan kashe kuɗi. Splid fiye da Splitwise kyauta: babu iyaka, canjawa kyauta.

Ƙungiyar da ta riga ta kasance a Splitwise kuma tana rubuta kashe kuɗi kaɗan a mako. Ku zauna. Motsa mutane ya fi iyakar tsada.

Wanda ke yin lissafi a kwamfuta. Splitwise, don manhajar yanar gizo.

Ƙungiyar da ke raba abincin dare bisa abin da kowa ya yi oda, ko take son a karanta rasit. Babu ɗayansu, sai dai idan za ku biya Splitwise Pro. Shin Splitwise Pro ta cancanci kuɗinta? tana yin wannan lissafin.

Inda Donget ke shigowa

Donget tana tsakanin su biyun. Kamar Splid, kyauta ce, babu iyaka kuma babu talla; kamar Splitwise, tana riƙe kowa a daidaice nan take kuma tana ɗaure ƙungiyoyi da asusu, bayan yanayin baƙo da ya rufe ƙungiyoyi biyu. Kuma ta haɗa kyauta abin da duka biyun suka bari: Duba rasit da AI yana mai da hoton takardar kuɗi zuwa daftarin kashe kuɗi tare da jerin layukansa, Abubuwa da Farashi yana ba da kowane layi ga wanda ya samu shi, kuma Daidaita bashi yana ba da shawarar mafi ƙarancin canja wuri da zai share Ma’aunin kowa. Mutane suna shiga ta Hanyar gayyata suna zaɓar sunansu.

Inda take rasawa: babu manhajar yanar gizo, hanyar sadarwarta ta fi ta Splitwise ƙanƙanta, kuma tana neman shiga da Google ko Apple bayan yanayin baƙo, abin da Splid ba ta taɓa yi ba. Dukan filin an jera shi a madadin Splitwise: manhajoji 5 kyauta an kwatanta.

Tambayoyin da ake yawan yi

Splid kyauta ce da gaske?

Eh, don raba kuɗi: babu iyaka kan kashe kuɗi, babu talla, da kuɗaɗe da yawa kyauta. Splid Plus, ƙarin ƙungiyoyi da fitar da bayanai zuwa Excel sayayya ne na zaɓi a cikin manhaja da ake biya sau ɗaya. Ba ta da karanta rasit ko raba abu-abu.

Splid tana buƙatar asusu?

A’a. Mutum ɗaya yana ƙirƙirar ƙungiya ya raba ta, sauran kuma su shiga. Sauyin shi ne dawo da ita bayan waya ta ɓace ya fi rauni.

Menene bambanci tsakanin Splid da Splitwise?

Splid kyauta ce, ba ta buƙatar asusu, babu iyaka kuma babu talla. Splitwise tana buƙatar asusu, tana iyakance masu amfani kyauta zuwa kashe kuɗi huɗu a rana tare da talla, kuma tana sayar da duba rasit, canjawa da raba abu-abu a Pro a kan $4.99 a wata — amma tana da manhajar yanar gizo da hanyar sadarwa.

Wace ta fi dacewa da tafiya ƙasar waje?

Yawanci Splid: babu iyakar yau da kullum kuma canja kuɗin ƙasa kyauta ne. A Splitwise kyauta, canjawa na Pro ne kaɗai kuma ranakun da suka fi aiki suna haɗuwa da iyakar.

Splid ko Splitwise za su iya duba rasit?

Splid ba za ta iya ba. Splitwise tana iya, a Pro. Donget ta haɗa duba rasit da AI kyauta.

Wace ta fi dacewa da gidan haya na haɗin gwiwa?

Ga ƙungiyar da za ku riƙe shekaru, asusu da daidaitawa nan take sun fi muhimmanci, abin da ke goyon bayan Splitwise idan iyakokinta na kyauta sun dace da ku, ko manhaja kyauta mai amfani da asusu. Splid ta dace da ƙungiyoyin ɗan lokaci.

Taƙaitawa

Splid tana cire rajista da iyaka kuma tana tsayawa a kan tushe; Splitwise tana riƙe hanyar sadarwa da manhajar yanar gizo kuma tana riƙe shirin kyauta da iyaka, tare da Pro a matsayin haɓakawa. Ku zaɓi Splid don tafiya mai sauri, Splitwise idan mutanenku sun riga sun kasance a can — kuma idan kuna son babu iyaka, babu talla da fasalolin Pro ba tare da biya ba, akwai zaɓi na uku.

Sauke Donget kyauta kuma ku rubuta dukan tafiyar — kowane kashe kuɗi, kowane kuɗin ƙasa, tare da karanta muku rasitoci.