Kana kusarudza zvakanaka zvemari ndeimwe yezvinangwa zvako gore rino, kusarudza mubairo kadhi rechikwereti rinofanira kuva pamusoro pezvenyu. Asi nezvine zvakawanda zvingasarudzwa kunze uko, zvinogona kukuvadza kusarudza zvakanaka kune iwe.
Heano mibvunzo mishoma kuti iwe utange:
Ndechipi Chinonzi Spender Uri Iwe?
Chokutanga, sarudza kushandisa mari yako. Chii chaunonyanya kunge uchizoshandisa nemari yako yekadhi rechikwereti - zuva roga rokutenga sekutengesa uye gesi kana zvinhu zvakakura-matikiti seTV kana terefesi itsva?
Kana iwe uri mukuru spender uye uchange uchishandisa kadhi yako yekutenga kukuru, tarisa makadhi ane mari yegore negore. Nepo vazhinji vedu tichimhanya neimwe nzira patinoona mari yegore negore, idzi marudzi emakadhi anonyatsobatsira vatengi vakura, zvichireva kuti muchawana zviri nani (uyezve) mubayiro.
Kana uri kutarisa kuti uite chikwereti chako, nediki, nguva dzose kutenga sechinangwa chako, tsvaga mubairo wemakadhi anokupa iwe kuwedzera kwemashoko nemabhonasi zvichienderana nezvinhu zvakajairika, zvakaderedzwa zvakadai semafuta kana zvekutengesa. Uye udzivirire makadhi anoda kuti zvishoma zviyero kuwana mubairo.
Kana iwe unowanzofambisa, iwe uri mubhadharo wekutanga kune mubayiro wekadhi rechikwereti. Usati watarisa mumhando dzakasiyana dzekufambisa mararamiro emakadhi emakadhi, iva nechokwadi chokuti unotarisa makadhi anorega kutengeserana kwemari kune dzimwe nyika uye anoda kuti iwe ushandise pini (chip-na-PIN) pane kungosayina kwekutengesa, izvi zvichabatsira kuita unoziva kuti iwe unokwanisa kushandisa kadhi yako kune dzimwe nyika.
Makomborero Api Aunoda?
Kana ukangosarudza kuti ndeipi kadhi yakanakisisa yako yekushandisa mari, danho rinotevera nderokuona rudzi rwemaropafadzo aunotarisira kuwana. Ndeipi mibayiro inonyanya kukosha kwauri?
Kana iwe uchida kuzvipira kuzviwana nekuzoshandisa mibairo yako yose munzvimbo imwe, tarisa mhadhikiti yemakadhi anokubvumira kuendesa pfungwa dzako kune dzimwe hurongwa hwekutendeka, dzakadai seAmerican Membership Makomborero kana Chase Makomborero Ekupedzisira.
Aya makadhi anokubvumira kuti uwane mapepa ane kadhi rako uye uende navo kumapurogiramu ekuvimbika evanhu vanofamba nevanoshambadzirana nevatengi uye vashandure pfungwa dzakagadzirirwa kuva hutendeseka humwe nezvimwe zvirongwa. Asi nechisimba ichi, ndicho chinhu chinokosha kuti iwe urambe wakarongeka nemapurogiramu ako ose kuti udzivise kusawanikwa kana mazuva ekupera.
Kana iwe chete uchingobhururuka dzimwe ndege kana makamuri emabhuku ane imwe hote ye hotele, tsvaga makadhi anowirirana nemakona iwayo, akadai seUnited MileagePlus Explorer kana Citi Hilton HHonors Reserve. Aya makadhi achakubatsira kuti uwane mibayiro yakawanda yekushandisa yako.
Chii chiri muChinyorwa Chakaisvonaka?
Iye zvino zvawakanyora pasi mamiriyoni ekubhadhara makadhi ako zvichienderana nemari yako uye zvaunofarira, zvibvunze mibvunzo iyi usati wasayina.
Ndezvipi zvishoma zvaunofanira kushandisa kuti uwane mubairo ?: Wakave wakaona makambani ekadhi rechikwereti achikunyengedza nemabhonasi anovhara mavara, asi kazhinji mabhonasi aya anoda zvishoma zvishoma kuti iwe uwane mari. Iva nechokwadi chokuti unoongorora zvishoma uye kuongorora mikana yekuti iwe uchakwanisa kuwana mari iyo.
Pane zuva rekupera kwemigumisiro here? Mamwe mubairo makadhi anoda kuti iwe upedze mubairo wako munguva shoma segore, apo vamwe vanokubvumira kushandisa mibairo iyoyo chero bedzi kadhi iri yakazaruka.
Iva nechokwadi chokuti mubhadharo wekadhi yezuva rakapera ndeye nguva inoshanda kwauri iwe usati wasayina, uye mushure mekusarudza kadhi rako, chengetedza mazuva iwayo.
Pane chikumbaridzo chekudzikunura here kana chivharo? Mamwe makadhi anoda kuti iwe uunganidze humwe huwandu hwemashoko usati wawana kukosha kwakakwana, uye vamwe vanokubvumira kuti uwane imwe yero mibairo muhurefu hwenguva. Tarisa izvi zvinyorwa usati wasvinudza kadhi kuti uve nechokwadi chekupiko mibayiro yauchafanira, uye kugona, kuwana nekushandisa.
Nemakadhi akawanda emakadhi echikwereti anowanikwa, zvinokosha kuti uwane kadhi iyo inonyatsoenderana nemararamiro ako. Kuti uwane zvizere mubhadharo yemakadhi, ziva kushandisa mari yako maitiro, sarudza kuti ndeapi rudzi rwemaropafadzo aunoda uye nguva dzose iva nechokwadi chekuverenga rakanyatsonaka.