Zvirokwazvo une mamwe makadhi, kungave mune yechikwereti kana fomati fomati, muchikwama chako. Iwe unogona kunge usina kuzvishandisa nguva dzose. Asi izvo iwe zvausingazive ndezvekuti iwe unogona kutora mukana weiyi nzira yekubhadhara kune yako inotevera yezhizha zororo. Uye kusvika kukuchengetedza mari yakawanda nekushandisa kwayo, uye kupfuura zvaungafanoona pakutanga. Uye pamusoro pezvose, pasina kupa chero sevhisi kana kupihwa.
Iwe unofanirwa kungova nekadhi rakakodzera remazuva ano ezororo neshamwari kana mhuri. Uye pakati pezvakanaka zvawo vangatokushamisa nemashandisirwo mazhinji auchazove nawo nguva dzese dzaunobhadhara neimwe yeaya mapurasitiki. Chekutanga ndechekuti iwe hauchazoda takura mari panguva yerwendo, sezvo uchikwanisa bvisa mari kubva kumaATM mazhinji, kunyangwe panguva yaunogara kunze kwenyika.
Zvekuvhiya uku unofanirwa kusarudza iro bhangi nemazvo, nekuti kana ukazviita kune vanopa kadhi hazvizokubhadharira chinhu, uye nenzira iyi unodzivirira kubhadhara makomisheni anotsamwisa. Hazvishamisi kuti vanogona kuita kuti yako inotevera yezororo inodhura. Asi kwaunonyatsoona zvakanakira mashandisiro ayo ichave mune kumwe kushanda, uko Ivo vanozotaurira zvakaderedzwa, mabhadharo uye kuwana kune zvinopihwa uye kukwidziridzwa. Zviri nyore kuti iwe uzvizive kuitira kuti gore rino uwane mari.
Discount pamabasa evashanyi
Pasina kupokana, chiitiko ichi chichava chimwe chezvinhu zvinonyanya kuratidza zvaunazvo nezvehurongwa hwako hwezororo. Mamwe makadhi, kunyanya mune yavo yechikwereti modhi, ane yakavakirwa-mukati mutsetse wepasi pamasevhisi makuru evashanyi uye zvigadzirwa. Ivo vanogona kukwira kusvika gumi neshanu muzana, kunyangwe zvakanyanya mumamodeli ane hukasha. Pese paunobhadhara nemakadhi aya unogona kubatsirwa nemabhonasi anonakidza, pamwe nemamwe masevhisi ekuwedzera.
Zvinokanganisa mapakeji evashanyi, pekugara, masevhisi ezvekuzorora, kutakura, kubhadharisa mota, uye zvichingodaro kune runyorwa rurefu rwechikamu chezororo. Imwe nguva iwe paunogadza kuchengetedza, mutero unozoshandiswa zvakananga. Uye semhedzisiro yeiyi nzira yekutengesa, izvo zvinoshandiswa mumazororo anotevera zvichave zvakadzikira, kugona kuzvigovera kune zvimwe zviitiko kana zvinangwa.
Iwe unogona kutora mukana weiyi mamiriro nekuti akawanda uye akawanda makadhi ari kushandisa sevhisi, sechirevo chekunyoreswa nevashandisi vebhangi. Iwe unenge uine chete sarudza iyo modhi yepurasitiki inokodzera zvakanyanya zvaunoda, uye hukama hwako nekushandisa. Hazvishamisi kuti iwe unogona kusarudza kubva kune akawanda mamodheru ane aya maitiro ayo anobatsira kwazvo kune zvako zvaunofarira.
Mabhonasi pane peturu
Kana iwe uchizoshandisa mota senzira yekufamba uchienda kune dzimwe nzvimbo, iwe unofanirwa kuziva kuti mamwe emakadhi aya zvakare ane mukana wekuwana zvidzikiso zvinosanganisirwa nguva imwe neimwe paunoenda kuchiteshi chebasa kuti uzadze mota zvakare. Izvo zvikamu zvavo hazvishamise sezvakaitwa muchirongwa chekare, asi zvakadaro uchawana dhisikaundi iri pakati pe1% ne4% yekumisikidza ichi chakajairika mashandiro pazororo nzendo.
Kune rimwe divi, kupihwa kwacho kunosanganisira imwe nzira yekutenga pazviteshi zvebasa pasi pezvikamu izvo zvakare zvinokurudzira kwazvo. Inogadzirwa neimwe sarudzo yekukurudzira kuchengetedza parwendo iwe rwaunofanira kuita panguva ino yakakosha yegore. Uye izvo zvakasununguka pane zvimwe zvinopihwa uye zvidzoreso zvinopihwa nemakadhi aya. Chero zvazvingaitika, zvakabatanidzwa kune chaicho chiratidzo, senzira yekuchengetedza muridzi wenzira idzi dzekubhadhara.
Aya ndiwo mamwe marongero anoshandiswa nevanopa mapurasitiki kukurudzira kushandiswa, nekuti mashandiro anogona kungoitwa zvepamutemo nekubhadhara bhiri kubva kumakadhi echikwereti. Zvakare mune ino kesi, yakawanda uye yakawanda mamodheru ari kusanganisa ino bhonasi system mukutenga, mune ino nyaya yemafuta. Kugadzira imwe nzira nyowani yekusimudzira kuchengetedza pakati pevatyairi.
Kudzoreredzwa kwemubhadharo-wemubhadharo
Imwe bhenefiti iyo iwe yaunogona kuwana parizvino ndeye kudzoserwa kwemubhadharo pasina kushandiswa kwechero kufarira. Uye izvo zvinoshandiswa pakutenga kwakawanda kunoitwa mukati memazuva ezororo, munzvimbo dzakakura uye mamwe mabhizinesi madiki. Vanotendera varidzi vavo kunonoka kubhadharwa kwemabasa avo ekutengesa munguva pfupi, iyo usapfuure mwedzi mumwe kusvika pamitatu. Uye ivo vanoto shandira kugadzira ngoro yekutenga muma hypermarket.
Kana iyi miganho yenguva ikapfuurwa, mwero wakatarwa wemubereko uchaiswa mwedzi wega wega. Chiyero chayo chinofamba munzvimbo dzakasiyana dzinoenda kubva ku12% kusvika pa15%. Uye mune zvese zviitiko, pasina makomisheni kana imwe mari mukutungamira kwayo kana kugadzirisa. Iri sevhisi rinotendera vashandisi kuti vagadzirise zvirinani kune yavo yemumba bhajeti, kunyangwe panguva yavo yezororo.
Nekudaro, iwo makadhi ayo anowanzo kuve akabatanidzwa kune yakasarudzika trademark kana kutengeserana. Uye kuti vanovakira zano ravo pa mutengi kuvimbika senzvimbo yekurudzira yekuratidzira iyi plastiki. Uye zvakare, ivo vanowanzo kuve vakasununguka, uye kunyangwe muzviitiko zvakawanda havana mari yekuchengetedza kana manejimendi. Uye ivo vanowedzerwa kune zvimwe zvigadzirwa zvevashanyi: kuchengeterwa ndege, pekugara, spa, nezvimwe. Unogona kuenda navo parwendo rwako rwunotevera.
Nzira yekugadzirisa zvirinani makadhi?
Chokwadi paunotarisa chikwama chako unowana kadhi rine hunhu uhu. Zviri nyore kuti iwe uzvione kuti uzvirongedze usati watanga mazororo. Pane zvakawanda zvakanaka zvaunowana, asi unofanira kuzvibata zvine hungwaru kuitira kuti usapinde muchikwereti chakawandisa kana iwe uchichishandisa neimwe frequency.
Iri ndiro chaizvo dambudziko hombe neiyi nzira yekubhadhara yatiri kutaura nezvayo. Iwe haufanire kuvashungurudza mukushandisa kwavo, kana uchinyatsoda kuvapa iko kwakaringana uye zvine musoro kushandisa. Uye kuti iwe uzadzise zvinangwa izvi, hauzove nesarudzo kunze kwekutora nhevedzano yemazano atinokufumura pazasi.
- Kunyangwe zvese zvivakwa zvekumisikidza kubhadhara, uchafanira kudzosa huwandu, uye haufanire kupinda muchikwereti chakanyanyisa sezvo inogona kusanganisa bhajeti yauinayo yemwedzi wega wega.
- Iwe unofanirwa kushandisa aya makadhi chete paunenge uchinyatsovada.
- Iyi nzira yekubhadhara inogona kushandiswa kune buda mukukurumidza, asi kwete kuishandisa nechero nguva, uye zvishoma kubhadhara zvese zvinoshandiswa kuburikidza nepurasitiki. Zvinogona kukuvadza zvaunofarira nekufungidzira rudzi rusina basa rwechikwereti.
- Iwe unofanirwa kusarudza iyo modhi inokodzera kwazvo chimiro chako Semutengi, uine mukana wekuti iwe uchave nezvakawanda zvirevo zvinozobata zvaunoda, kunyangwe iine nhevedzano yemamwe masevhisi uye mabhenefiti anonyanya kubatsira kune hwako hwezuva nezuva hupenyu.
- Edza kusarudza makadhi ayo usabatanidze mari. Kunyanya isina makomisheni kana mukuburitswa kwayo uye kugadzirisa. Neiyi nzira, kunyangwe ukasashandisa, haufanire kubhadhara chero euro.
- Gadzirisa pfuura miganhu yako wega, sezvo iwe uchizviona uri mudambudziko rakakura remari. Kubhadhara chimwe chikwereti chebasa iro chairo raisada iko kudonhedza kubhadhara.
- Nguva dzose tarisa kudhinda kwakanaka kwechibvumirano kana ikange yaunza mari zhinji kupfuura zvayakatarisirwa kare: zvikwereti, mari yakavanzwa, kugadzirisa, nezvimwe. Paunenge uine zvese zvakajeka iwe unogona kusaina kuti utange kunakidzwa nezvakanaka zvacho.
- Uye zvakadaro usaunganidze makadhi mazhinji anodhura iwe gore rega rega. Kudzokorora mune iyi nzira yekubhadhara chinhu chaunofanirwa kubvisa kubva pakutanga kuti uve nemari, mune ino zvisina basa.
Ungawana sei makadhi emahara?
Unogona kusazviziva, asi mazhinji emakadhi aya anogona kuwanikwa pasina kutora chero mari, zvachose mahara. Sei? Zvakanaka, zvakapusa kwazvo, kushandisa mamwe marongero ebhengi anotungamira kune iyi imwe nzira yaunopihwa kwauri. Imwe yeanowanzozivikanwa ndeye kuhaya account yekutarisa iyo inobvuma mukana uyu, pasina zvimwe zvinodiwa kubva kubhangi.
Kana iwe ukatungamira mubhadharo wako, uye kunyangwe iwo mahombe mabhiri epamba, iwe unozokwanisa kunyorera yako plastiki pasi pemamiriro aya, ndiko kuti, mahara. Pamusoro pekubatanidza imwe yakateedzana yezvakanaka iyo inogona kukubatsira iwe muhukama hwako nebhangi. Unosarudza makiredhiti, kufambira mberi kwemubhadharo, yemahara inishuwarenzi, nezvimwe.
Imwe nzira isingambokundikana kuzadzisa izvi zvinangwa zvinowanzoitika kuva mutengi akanaka. Kusava nezvikwereti nebhangi, kushanda nezvigadzirwa zvacho zvikuru, uye kunyange kuvhura portfolio yekuchengetedzeka kunogona kukubatsira. Semubairo, ivo vanokupa iwe kiredhiti kana makadhi ekubhengi, pasina kusangana nechero mari yekushandisa kwavo.
Kubva pane izvi zvinobatsira izvo iwe zvaunofanirwa kuve nazvo zvemubhadharo mune ino nzira yepasirose yekubhadhara, iwe uchafanirwa chete kusarudza iyo modhi inogona kukushandira zvakanyanya iwe muhupenyu hwako hwezuva nezuva. Uye painenge iri yekukosha kukuru sarudza isina kunyanya kuwanda modhi, iyo ine yakakwikwidza mhindu yemari, uye izvo hazviunze mari yekuwedzera pakushandisa kwayo. Neiyi misiyano iwe unofanirwa kuteedzera iyo yazvino kubhengi kupihwa kuti uwane mhinduro yakanakisa, uye kuti mune yega kesi ichave yakasiyana
Iwe haufanire kusarudza mafomati aunoshandisa zvishoma, kana zvishoma zvishoma. Hazvishamise kuti ichave diki diki yaunoita pasina chero chaunoda. Kunyanya kana iwe uine akawanda mamodheru aunosarudza kubva, uye kubva kumabhangi ese anoshanda mudunhu renyika. Mushure mekutsanangurwa uku, hauchazove nechikonzero chekubhadhara zvinopfuura zvakafanira kuti uve mubati weimwe yemakadhi aya, munzira dzakasiyana.