Ndezvipi zvinotapudzwa kufamba zvakakosha kwauri?
Yakagadziriswa naJoe Cortez, March 2018
Iko chaiyo yebhadharo yekodzero yechinhu haigone kusungirirwa pasi. Ngatiti iwe wakashandisa makiromita zviuru makumi maviri kuti uende kubva kuNew York kuenda kuDallas panzvimbo yekubhadhara $ 250 yetikiti. Panguva iyoyo, iwe wakakwanisa kuwana anenge zana kubva muzana kubva kune imwe yemakiromita ako. Makiromita imwechete angangomiririra masentimita gumi ekukosha kune mumwe munhu ari kushandisa iyo mairi 135 000-maira rwendo rwokutanga rwendo rwokutanga kubva kuNew York kusvika kuHong Kong izvo zvingadai zvakadhura $ 13 500.
Airlines anopa kukosha kune avo vanowanzofambisa makera chete kana iwe uchienda kunotenga. Asi sezvakangoita-upenyu hwenheyo, iyo tsika inogona kuchinja padonho rehapi. Iwe unogona sei kuverenga kukosha kwemafambisi emakiromita akawanda kana kuti imwe nzvimbo usati watenga tikiti iyoyo? Zvichienderana nekuti unoishandisa sei, zvinobvira kuwana huwandu hunokosha kubva pane imwe neimwe.
Kuverenga kukosha kwendiza dzemakiromita
Iwe unobhadhara mari yakawanda sei pamakiromita emakiromita uye kuti unovadzikinura zvakadini pane dzimwe nguva zvinhu zviviri zvakasiyana. Semuenzaniso: kana ukashandisa kadhi rechikwereti rebhadhiro kuti utenge usina bhonasi muchikwata, iwe uri kuripa $ 1 pamakiromita emakiromita. Kana iwe ukatenga kutenga mune bhonasi muchikwata chaunowana maira maviri pamadhora, iwe ungangodaro uri kushandisa masentimita makumi mashanu nemaira. Mari inodarika makiromita inoderedza zvakare zvichienderana nehuwandu hwemakiromita wamunowana pamadhora anoshandiswa. Iwe unogonawo kuwana nguva yakawanda inofamba makiromita nekuda kwekubhururuka, asi vangani iwe unowanikwa inowanzoenderana nehuwandu hwehutano hwehupenyu hwako uye kana iwe uine mamiriro ekuremekedza .
Kana uri kutenga makiromita kubva kumakwikwi ehurumende , kukosha kunogona kusiyana zvichienderana nekuwanda kwaunowana. Somuenzaniso, unogona kutenga 1 000 American Airlines AAdvantage makiromita zvakananga kubva kunhandare ye ndege ye $ 29.50, kana kuti 2.95 masentimita pamiraira. Asi kana ukatenga 150,000 AAdvantage makiromita uye ukagamuchira mazana mabhiriyoni ebhonasi kwe $ 4 425, iwe unobhadhara mashekeri 1,67 pamakiromita 265,000 makiromita.
Asi kana pachisvika nguva yekushandisa maira aya, ungaita sei kuti iwe uwedzere kukosha? Nzira isinganzwisisi yekuziva kuti uri kutora chikamu chei makiromita imwe chete kugovana mutengo wekuenda kwako pamusoro pemutengo mumamaira. Mumuenzaniso wepamusoro, kugovana mutengo we $ 13,500 wokutanga tekiti tikiti yekutengesa kwetikiti mumakiromita emakiromita akawanda (135,000) inokonzerwa nehuwandu hwemasentimita gumi nemaira. Kuchema kukuru kubva kune imwe zana neira imwe chete nekushandisa makiromita 25 000 pamutengo we $ 250 wemari.
Pane imwe nzira yaunogona kubata nayo mairaira ako? The Points Guy (apo munyori wepakutanga wepasita iyi ari mupepeti mukuru) anoparidzira hutengo hwemwedzi wepamusoro purogiramu dzinowanzobuda dzefamberi. Nokuda kwezvirongwa zvekufambisa nguva dzose muUnited States, iwe unofanira kupfura kuti uwane kukosha kwepamusoro pe 1.5 cents per mile nekuda kwetikiti dzako - asi nekuronga, unogona kuita zviri nani .
Kuverenga kukosha kwemashoko ehotera
Nhamba yemakiromita haisi yega inobata humwe huwandu hunokosha. Nzvimbo dzehotera dzinokosha zvakakodzera kana dzichishandiswa zvakanaka. Asi kuverenga mari yavo uye kukosha kwakasiyana zvakanyanya kupfuura iyo yemakiromita emakiromita.
Zvakafanana nemakiromita emakiromita, unogona kuwana hotera makiromita nenzira dzakasiyana-siyana, kubva pakurambira kune hoteti dzekambani, kushandisa makadhi emakadhi emakero .
Kusiyana nemakadhi ekwereti emakadhi, iwe kazhinji uchawana mamwe mapepa kubva kuhotera rechikwereti yehotera yezuva nezuva kushandiswa, uyewo chero ipi zvayo yakatarwa mabhonasi. Izvi hazvirevi kuti iwe uri kuwana kukoshesa kwekushandisa kwako, nokuti mapepa emahotera anowanzobata zvishomanana zvishoma pane mairaire emakiromita.
Ngatimbokurukura usiku humwe chete kugara muNew York City muzhizha. Hofisi yeSt. Regis, chikamu che Starwood Preferred Guest , inogona kudhura $ 695 usiku. Asi iyo imwe nzvimbo inowanika 30,000 Starpoints. Izvi zvinomiririra kukosha kwema 2.3 centi pamusi.
Kunze kuGreat Hyatt, imwe imba inogona kutenga madhora 253 usiku humwe. Pane kudaro, iwe unogona kushandisa 25,000 World of Hyatt points , nokuda kwechikonzero chepasi pasi pezana rimwe pacho.
Munguva iyi, JW Marriott inogona kuwanika $ 398. Nzvimbo imwechete yeusiku humwe inogonawo kutenga 45,000 Marriott Mipiro pfungwa , nekuda kweiyo .8 cents per point.
Izvi zvinoreva here kuti Starwood Preferred Guest points inokosha kupfuura Marriott Makomborero? Kwete hazvo: kunyange iwe uri kuwana kukosha kwakanakisa kubva ku Starpoints, funga kuti Starpoints inogonawo kushandurwa ku Marriott Mipiro pfungwa pane imwe chete kusvika kune vatatu: imwe Starpoint inokwana matatu Marriott Mitsara. Mune mamiriro ezvinhu, iyo 30000 Starpoints yaunopedza muSt. Regis yaizoshanduka husiku huviri paJW Marriott, zvichida kukupa huwandu hukuru.
Zvakare, The Points Guy inyanzvi yekufunga nezvekutsvaga kunoda kuregererwa kutengesa kwepi neipi yepahotera yepahotera. Nepo nzvimbo dzehotera dzichitsvaga mazano anobva kubva ku55 centi kusvika pakona pamucheto wakadzika, kusvika kune maviri masentimiti pamusi wepamusoro-soro, kuregererwa kwepamusoro-soro kuchakupa kudarika mazana maviri pahope.
Kuverenga kukosha kwemashoko ebhangi
Kusiyana nehurumende uye mapepa emahotera, mabhoti ebhangi anonyatsotsvaga kuverenga kukosha kwe. Chimwe chezvikwereti zvitatu zvinokweretesa chikwereti -American Express, Chase neCiti - zvinokubvumira kushandisa mazano avo zvakananga kuburikidza nevanzvimbo dzavo kune mahara kana kuti zvishoma. Asi kukosha kwechokwadi kwemashoko iwayo kunogona kusiyana.
NeAmerican Membership Makomborero, unogona kushandisa mapepa ekufambisa kuburikidza neAmerican Express Travel. Hazvina mhosva kuti ndege yakadini kana kuti hotera iwe unyore, nheyo dzako dzichagara dzakakosha imwe zana pahomwe. Nemhaka yokuti uri kushandisa zvakawanda zvakawanda kuti uwane pfungwa idzi, zvakanakisa kudururwa ndeyekutumira pfungwa kune mumwe mudiwa pane.
Chase inokubvumira kushandisa mapepa ako ekupedzisira pamakwikwi ehurumende akawanda kuburikidza neEight Rewards Travel Center. Iwe unowana kukoshesa zvakadini kubva pamakadhi ako iwe unobata. Kana iwe uine Chase Sapphire Reserve , pfungwa dzako dzinokwana 1.5 cents imwe neimwe, zvinoreva kuti 50,000 Makomborero Makomborero anokwana $ 750 mukufamba. Tsanangura Sapphire Inofanirwa nevaridzi vemakadhi 'Makomborero Akakosha anokwana 1.25 masentimita perhope, zvinoreva kuti izvochete zvuru makumi mashanu zvinokwana $ 625 mukufamba. Kunyange zvazvo iyi isiri iyo yakakosha yepota, nguva dzose inofanirwa kuongorora kuendesa kune vamwe vasati vatarisa kuburikidza neHotori Mubayiro Wekufambisa Portal.
Zvakafanana neChase, Citi inopawo purogiramu yakadzika yekushandisa Citi ThankYou Points kuburikidza nedzimba dzavo dzekuregererwa, zvichienderana nekadhi rakadini. Kana uine makadhi maviri epamusoro-soro, Citi Prestige Card kana Citi ThankYou Premier Card, pfungwa dzako dzinokwana 1.25 centi imwe neimwe. Kana iwe ukabata chero imwe Citi kadi iyo inowana ThankYou Points, pfungwa dzako dzinotora chikamu chimwechete chimwe nechimwe. Kana iwe uine makadhi akakwirira, kushandisa zvikamu kuburikidza ne portal haisi nzira yakaipa yekuenda nayo. Asi kana iwe unobata imwe Citi kadhi, zvirokwazvo tarisai mavanoshanyira vokutanga.
Ndeipi mazano akanaka uye makira mahesabu mabhuku?
Kune huwandu humwe huwandu uye makirasi ekuverenga mabhuku ayo unogona kushandisa nhasi kuti uone kuti humwe humwe hunofanirwa huremu hwahwo mukuderedzwa kufamba. ExpertFlyer.com ndechimwe chezvinhu zvatinoda zvigadziro zvekuwana zvigaro zvigaro, kuverenga mari yepamusoro pemaonero, nekugadzirisa nzira yakanakisisa yekushandisa nheyo dzako dzose. Kunyange zvakadaro, ExpertFlyer inouya nemari yekubhadhara: iyo inoshandiswa iyo ye $ 4.99 pamwedzi, nepo premium version iri $ 9.99 pamwedzi kana $ 99.99 pagore.
Zvimwe zvishandiso kuverenga kukosha kwemaputi uye makiromita ndezvi:
- Chigaro 17A "Ndinofanira" Kuenzanisa: Kana uri kutengesa pakati pekushandisa mapepa kana kubhadhara mari, shandisa iyi iri nyore kuverenga kuti uone kukosha kwaunenge uchiwana kubva pane imwe neimwe.
- Miles.biz: Izvi zvinoshandiswa-kushandisa-kushandisa-calculator zvinokubvumira kuti uise mavhesi ako uye nzvimbo dzekuenda kune imwe nzvimbo kuti uone kuti ndege yako ingabhadhara mari yakawanda sei mumapurogiramu akawanda. Nezvenhau iyi, unogona kusarudza kana iwe usingafaniri kuripa nemari, kana kutamisa pfungwa kuti uwedzere kukosha.
Ndingaita sei kuti ndive kutanga kuverenga pfungwa nemakiromita?
Kuverenga kukosha kwemaputi nemakiromita haisi basa rakanyanya, kunyanya kwemashoko matsva uye makiraji vatori. Kana iwe usiri kusununguka kuedza kunzwisisa kuti unofanira kukoshesa zvakadini pane imwe neimwe, tanga nekadhi rechikwereti rekubhadhara mari, kana bhino pfungwa dzekwereti kadhi rechikwereti. Aya mapurogiramu anopa hutengo hwakasununguka hwekudzikinura, achikubvumira kuti usarudze kuti uripi mari yekufamba rwendo rwako.
Sezvaunowana zvakanyanya kufara uye uchiziva kuti mafirigi aunoda kubhururuka zvakanyanya sei, funga kuwedzera mamwe mapurogiramu mapikicha kune musanganiswa. Pakati pemari yakadzoka, kutengesa shamwari pamwe nemamwe mapurogiramu ekuwana, iwe uchava munzira yako kuti uchinje hurumende uye ugovapa mari yekufamba musina nguva.