Mazhinji emahofisi makuru ekutengeserana akasarudza kupa vatengi vavo makadhi akasiyana siyana avanogona nawo rine mari yako yekutenga. Iwo anounzwa mumafomati akafanana chaizvo neayo akajairwa makadhi echikwereti anosimudzirwa nemabhangi. Izvo zvinosanganisirwa mitsara yezvikwereti zvachose kune mari yekushandisa. Uye neakateedzana mabhenefiti uye masevhisi anogona kuvaita iwo anobatsira kwazvo kune avo vanonyorera.
Izvo zvine chekuita nezve makadhi ekuvimbika, umo kubatanidza kwevatengi nemusika wekutengeserana kunowanikwa. Chero zvazvingaitika, mhando dzadzo dzakafanana, uye apo purasitiki yega yega inoedza kuzvitsauranisa pachayo kuburikidza nekuitwa kwezvinopihwa nekusimudzira. Pasina kupotsa kunowanzoitika kunonoka kubhadhara, pasina mubereko kana makomisheni, sezviratidzo zveiyi nzira yekubhadhara.
Mahara makuru (masupamaketi, hypermarket, nzvimbo dzekutenga ...) vakaita makadhi akateedzana kuitira kuti vatengi vavo vatenge nenzira inogutsa yezvavanofarira. Uye kuwana iko kuzadza ngoro yekutengera hakufunge kuti kune kumwe kuyedza ku dzikamisa bhajeti yako yemwedzi.
Nemitsetse yechikwereti yekutenga
Kugutsa vako vanonyorera vanotakura mitsara yemari yekutenga kwavo, iyo inotarisana pakati pemwedzi mitatu ne3, uye mupiro wayo mukuru ndewekuti haisanganise kufarira kana makomisheni, kunyange hazvo achigara achishandisa mashoma ekushandisa anofanirwa kusangana. Kukurudzira kuchengetedza ndechimwe chezvinangwa zvakagadzirirwa aya makadhi akakosha. Kunyangwe mukutsinhana nekutenga kune vanoburitsa makadhi aya.
Maitiro avo ekutengesa anoenderana nenyaya yekuti vanogona kubhadhara mari yakatarwa pamwedzi, kuitira kuti mari inoshandiswa isingaite zvakanyanya pabhajeti yemumba yevanobata. Dzimwe nzira, kunyangwe sarudza kupa zvikwereti zvakananga Mukutenga kwavo, mavhoti ekuderedza, mapoinzi anotsinhaniswa uye kuwana kune zvigadzirwa zvemhando idzi senzira yekuvakurudzira kuti vadye. Uye nenzira iyi, svika kuwanda kwevatengi.
Ivo zvakare vanopa mamwe ekuwedzera masevhisi: mitengo pamitero yegasi, yemahara yekupaka mota uye yakanangana nekuwana kwakananga kumabhizimusi ekumisikidza mabhuku. Chero nzira, icho chigadzirwa chakanakira zvido zvevatengi. Kuburitswa kwaro kwakasununguka zvachose, zvese mune manejimendi uye mukuchengetedza kwayo, uye kubva kune iyo hama dzepedyo dzinogona zvakare kubatsirwa kuburikidza nemamwe makadhi, pasina chaicho chakakosha.
Ndeapi makadhi aunogona kutakura muchikwama chako?
Chimwe chezvifambiso izvo vatengi vanogona kutora mukana ndeye Eroski Tsvuku kadhi, iyo inopa nzira mbiri yemari yekutenga kunoitwa nenzira iyi yekubhadhara iyo yemahara zvachose kune vanayo. Kune rimwe divi, iyo yemwedzi mitanhatu, yekutenga anodarika 6 euros uye, kune rimwe divi, yakawedzerwa kusvika kumwedzi gumi nemaviri, pamari inopfuura 149 euros. Muzviitiko zvese izvi, zvinokudziridzwa pasina mubereko kana makomisheni, kunyangwe izvi zvirevo zvichishanda kune mamwe madhipatimendi echiratidzo ichi (imba, zvemagetsi, machira, DIY, mitambo, nezvimwewo).
Imwe sarudzo yakapihwa nekadhi rino kubhadhara mari yakatarwa pamwedzi, kuitira kuti ngoro yekutenga iitwe nenzira yakarongeka. Pedzisa chako kupa nekuwana 10% discounts pane zvese zvakatengwa, kunze kweku muzvitoro, hypermarket uye zvitoro zvekudya, pamwe nemukana wekuwana mavhoti ekuderedza.
Carrefour, pachikamu chayo, yakagadzira iyo Pass Card, iyo fungisisa mwedzi mitatu pasina mubereko, pamari dzinopfuura 90 euros, uye kusvika ku2.000, iine huwandu hwegore hwehuwandu hwe0%. Seimwe yekuwedzera bhenefiti, iyo inokutendera iwe kuunganidza 1% yekutenga kwese kwakaitwa. Mumwe mupiro unogadzirwa nekadhi renzvimbo ino yekutenga imari yekutenga mumwedzi gumi pasina mubereko. Ichi chirevo chinoshandawo kune zvakaenzana zviyero (pakati pe10 ne200 euros), zvakare kuunganidza mashoma muzana ekutenga.
Mercadona yakagadzira dhizaini dzakasiyana kuburikidza nekadhi rayo rekutenga, ichive yepurasitiki yemahara. Iyo ine nzira mbiri dzekubhadhara: zuva nezuva kana pamwedzi kuenderana nezvinodiwa nevatengi vayo, uye izvo zvinovatendera kudzora zvirinani mari yavo, kune kutumira kwemwedzi pamwedzi kweshoko rakadzama rezviitiko zvako zvese. Vabati vekadhi hombe, kune rimwe divi, vanogona kukumbira mamwe makadhi ekuwedzera mabhenefiti kunhengo dzemhuri yavo huru: vana, vabereki, nezvimwe. Kunyangwe iine mukana wekugadzirisa nzira yekubhadhara.
Iyo Alcampo Kadhi ndeimwe imwe nzira yaunofanirwa kushandisa muma hypermarket ako uye zvekare mahara. Hapana kuburitswa kana mubhadharo wekuchengetedza, zvese kune muridzi wekadhi uye kune iwo akabatanidzwa. Kuburikidza navo unogona kusarudza mukutenga kwega kwega nzira yekubhadhara inonyanya kukufadza iwe, kungave kubhadhara pakupera kwemwedzi, kana mubhadharo wakatarwa mwedzi wega wega, uye senzira yekupedzisira iyo kunonoka kubhadhara kubva pamwedzi mitatu kusvika kumakumi matatu nematanhatu. Iwe unogona zvakare kubatsirwa kubva kune zvakasarudzika zvinopihwa uye zvidzikiso kuma hypermarket ayo nemagaraji emagetsi, iine yakatarwa mari mamiriro ekutenga akaitwa mune ayo hypermarket nemasangano ekufamba.
El Corte Inglés Card ndeimwe nzira yekubhadhara iyo inobvumidza kudzora kwakasimba kwemari yako yemwedzi, sezvo mwedzi wega wega ivo vanokutumira pfupiso yakajeka yezvakatengwa, pamwe neruzivo nezve zviitiko kukwidziridzwa kunoitwa muzvitoro zvavo. Iyo zvakare yemahara, mune yayo kubvumirana uye kugadzirisa. Kune rimwe divi, icho chokwadi chekuti uri muridzi wekadhi rino chichaunza zvivakwa zvikuru zvechikwereti mukubhadhara kwezvinhu zvako zvakakosha kwazvo kutenga.
Uye, semubatsiro unowirirana, vanokupa iwe zviwanikwa zvakakurisa kuti iwe ugone kupaka mota yako muzvivakwa zvavakagonesa kuzadzisa ichi chinodiwa. Semutemo wakajairika, kana iwe ukatenga kutenga kwakakura kupfuura huwandu hwakatarwa munzvimbo yega yega, unenge uine maawa maviri ekugara mahara.
Simply Kadhi ndechimwe chikumbiro chaunogona kuwana izvozvi, pasina kubatanidza chero mari inobuda. Uye zvakare, iwe unozogona kutarisa kune zvakaburitswa zvemafambiro aunoita munzvimbo ino yekutengesa, zvakare muganho unowanikwa nguva dzese pakadhi rako rekubhadhara. Iyo Kadhi Yemhuri yechitoro chechitoro Más inopedzisa kupihwa kweiyi nzira yekubhadhara neimwe modhi ine zvakafanana maitiro.
Izvo zvakare zvichave zvemahara, zvichikupa iwe zvega zvinopihwa uye zvidzikiso mumashopoma ayo uye yemahara yekuendesa kumusha kubva kuma60 euros ekutenga. Nayo, iwe zvakare uchave nemukana wekuwana zvipo nekutenga kwako. Kune ese mashanu euros ekutenga ivo vanokupa iwe makumi mashanu poindi, iyo iwe yaunogona kuchinjanisa kune iyo zvipo zvinogoneswa mune yavo yekutenga katarogu. Uye sechimwe chinhu chepakutanga, chipo checheche bhasiketi chevacheche.
Zvimiro zvemakadhi aya
Iwe unofanirwa kuziva kuti hausi kubata nemakadhi akajairwa, asi pane imwe nzira yekubhadhara, iyo inonyanya kuyedza kukuchengetedza iwe semutengi. Uye nenzira iyi, usaende kumakwikwi. Kubva pane ino mamiriro ese, pachave nemasevhisi mazhinji aunogona kutora kubva pakutanga, uye pakati pazvo zvinotevera kumira.
- Ivo vanogadzira iyo mari pakati pemwedzi mitatu ne3 dzinenge, pasina mubereko kana makomisheni, asi izvo zvinoda kushomeka kwekushandisa.
- Inogonesa kubhadhara mari yakatarwa pamwedzi, kuitira kuti mari isazokanganisa zvakanyanya bhajeti yemhuri yemwedzi.
- Zvinogona kuva kuwana zvinopihwa uye kukwidziridzwa, asi zvakare kune imwe nhepfenyuro yemaitiro anotyisa ekushambadzira, uye kunyangwe kusvika kune imwe nhevedzano yezvigadzirwa zvekuwedzera.
- Ivo vanogona kushandiswa neese ari maviri muridzi wayo mukuru pamwe nenhengo dzemhuri iyo iwe yaunoda kusanganisa, kuburikidza nemamwe makadhi asina chero mhando yeakasarudzika recharge kune chero emamwe mapato.
- Ivo vakasununguka mukubuda kwavo, zvese mukubvumirana kwayo uye mukuchengetedza kwayo, ndiko kuti, pasina mutengo wezvemari kune vanonyoresa.
- Kuburikidza navo unogona kusarudza mukutenga kwega kwega nzira yekubhadhara iyo yaunonyanya kufarira, kungave kuripa pakupera kwemwedzi, mari yakatarwa pamwedzi, kana pakupedzisira iyo kubhadhara kwakamiswa.
- Icho chigadzirwa chakasimba kwazvo icho inogara ichichinja zvichienderana nezvinopihwa inogadzirwa neimwe yega yekutengesa. Uine zvirevo zvine hukasha zvekuchengetedza vatengi vako.
- Vanopa mamwe mabasa ekuwedzera: kuchinjirwa kumagaraji epeturu, kupaka mahara, uye kuwana kwakananga kune zvinopihwa uye makatalogu ezita rekutengesa
Iwo makadhi ega uye asingachinjiki
Mazhinji emakadhi aya ndeevanhu uye asingachinjiki, uye varidzi chete ndivo vanogona kuashandisa pavanenge vachitenga munzvimbo dzezvitoro uye vanobatsirwa nezvakanakira zvavo zvese. Kunyangwe ivo vachibvumidza iwe kuti uiendese kune yako nhengo dzemhuri, uchikumbira akawanda akawedzera mamwe makadhi seanonyanya kubata muridzi. Icho chete chinodikanwa chekumisikidza ichi kunyorera maitiro ane zadza chikumbiro pane chero chinzvimbo yechiratidzo chiri kutaurwa. Iko vese vanobata pamwe neanowedzera kunyorera vachasaina, uye voisa fotokopi yeNational Identity Gwaro revose vari vaviri vanyoreri.
Neiyi nzira, ivo vanokwanisa kushandiswa nezvose zvavo mabhenefiti nevanhu vanoverengeka panguva imwe chete, pasina muganho mukushandisa kwavo. Kazhinji, vese vanobata kadhi uye izvo zvekuwedzera hazvireve kuburitsa kana mari yekugadzirisa. Kune rimwe divi, kana paine kurasikirwa kana kuba kwekadhi rako, aya nzvimbo dzekutengesa kuva nekusingaperi kwevatengi uko chiitiko ichi chinofanira kutumirwa nekukurumidza sezvinobvira kuitira kuti plastiki ivharwe nekukasira. Uye nenzira iyi, kodzero dzinowanikwa nevaridzi veiyi kadhi rekuvimbika dzinogona kuchengetedzwa.