Ngokuqinisekileyo uya kuba namakhadi athile, nokuba kukwifomathi yekhredithi okanye ifomathi, kwisipaji sakho. Usenokungazisebenzisi rhoqo. Kodwa into ongayaziyo kukuba ungayisebenzisa le ndlela yokuhlawula ikhefu lakho lasehlotyeni elizayo. Kwaye kude kube gcina imali eninzi ngokusetyenziswa kwayo, nangaphezulu kunokuba unokubona kwangaphambili. Kwaye ngaphezulu kwako konke, ngaphandle kokunikezela nayiphi na inkonzo okanye isibonelelo.
Kuya kufuneka ube nekhadi elifanelekileyo kwezi ntsuku zeholide kunye nabahlobo okanye nosapho. Kwaye phakathi kwezibonelelo zayo banokumangaliswa zizicelo ezininzi oya kuthi ube nazo ngalo lonke ixesha uhlawula ngayo nayiphi na kwezi plastiki. Eyokuqala kukuba awuyi kuyidinga phatha imali ngexesha lohambo, kuba unako Ukurhoxisa imali kwii-ATM ezininzi, naxa uhlala phesheya.
Ngalo msebenzi kufuneka ukhethe ibhanki ngokuchanekileyo, kuba ukuba uyenza kumnikezeli wekhadi ayizukuhlawula nto, kwaye ngale ndlela uya kuthintela ukuhlawula iikhomishini ezicaphukisayo. Ayothusi into yokuba banokwenza ukuba iholide yakho elandelayo ibize kakhulu. Kodwa apho uyakuqaphela ngokusisiseko izibonelelo zokusetyenziswa kwayo ziya kuba kweminye imisebenzi, ethi Baza kunika ingxelo ngezaphulelo, izaphulelo kunye nokufikelela kwizibonelelo kunye nokunyuselwa. Kukulungele ukuba ubazi ukuze kulo nyaka ube nokugcina iindleko.
Izaphulelo kwiinkonzo zabakhenkethi
Ngaphandle kwamathandabuzo, eli nqaku liza kuba lelinye lawona macebiso onawo kwisicwangciso sakho seeholide. Amanye amakhadi, ngakumbi kwiindlela zawo zokuthenga ngetyala, anendawo eyakhelweyo Umgca wesaphulelo kwiinkonzo eziphambili zabakhenkethi kunye neemveliso. Banganyuka baye kwi-15%, nangakumbi kwiimodeli ezinobundlobongela. Ngalo lonke ixesha uhlawula ngala makhadi ungazuza kwezi bhonasi zinomdla, kunye nezinye iinkonzo ezongezelelweyo.
Zichaphazela iiphakheji zabakhenkethi, indawo yokuhlala, iinkonzo zolonwabo, ezothutho, ukuqeshisa imoto, njalo njalo kuluhlu olude lwecandelo leholide. Qho usenza ugcino ngokusesikweni, isaphulelo siya kusetyenziswa ngokuthe ngqo. Kwaye ngenxa yesicwangciso-qhinga sentengiso, inkcitho kwezi holide zilandelayo iya kuba sezantsi kakhulu, ikwazi ukwabela eminye imisebenzi okanye iinjongo.
Ungayisebenzisa le meko kuba amakhadi amaninzi nangakumbi asebenzisa le nkonzo, njengebango lokuba ubhalise kubasebenzisi bebhanki. Uya kuba nayo kuphela khetha imodeli yeplastiki efanelekileyo kwiimfuno zakho, kunye nobudlelwane bakho nokusetyenziswa. Ayothusi into yokuba ungakhetha kwiimodeli ezininzi ezinezi mpawu eziluncedo kakhulu kwimicimbi yakho yobuqu.
Iibhonasi zepetroli
Ukuba uza kusebenzisa imoto njengendlela yokuhamba uye kwezinye iindawo, kuya kufuneka wazi ukuba amanye ala makhadi anokufumana izaphulelo ezibandakanyiweyo ngalo lonke ixesha usiya kwisikhululo seenkonzo ukongeza isithuthi. Iipesenti zabo azikhangeleki njengakwisindululo sangaphambili, kodwa kunjalo Uya kufumana isaphulelo esiphakathi kwe-1% kunye ne-4% ngokusesikweni lo msebenzi uqhelekileyo kuhambo lweholide.
Kwelinye icala, isithembiso sibandakanya enye indlela yokuthenga kwizikhululo zeenkonzo phantsi kweepesenti ezikwacetyiswa kakhulu. Yenziwe yenye indlela yokukhuthaza ukonga kwiihambo ekufuneka uzenzile ngeli xesha likhethekileyo lonyaka. Kwaye oko kuzimele kwezinye izibonelelo kunye nezaphulelo ezibonelelwa ngala makhadi. Nangeyiphi ndlela, zidityaniswe kuphawu lwentengiso oluthile, njengefomula yokugcina umnini wale ndlela yokuhlawula.
Ezi zezinye izicwangciso ezisetyenziswa ngabanikezeli beplastikhi ukukhuthaza ukusetyenziswa, kuba umsebenzi unokwenziwa ngokusesikweni ngokuhlawula ityala elivela kula makhadi etyala. Kule meko, iimodeli ezininzi nangakumbi zibandakanya le nkqubo yebhonasi ekuthengeni, kule meko yezibaso. Ukwenza enye indlela yokukhuthaza ukonga phakathi kwabaqhubi.
Ukudluliselwa kwentlawulo ngaphandle kwenzala
Olunye uncedo onokulufumana okwangoku kukumiswa kweentlawulo ngaphandle kokufakwa komdla. Kwaye isetyenziselwa ukuthengwa okuninzi okwenziwa ngeentsuku zeholide, kumaziko amakhulu nakwamanye amashishini amancinci. Bayabavumela abanini babo ukuba balibazise ukuhlawulwa kwemisebenzi yabo yorhwebo ngexesha elifutshane, ethi ungagqithi kwinyanga e-1 ukuya kwezi-3. Kwaye basebenzela ukwenza inqwelo yokuthenga kwii-hypermarket.
Ukuba le mida yexesha igqithile, kuya kusetyenziswa inzala eqingqiweyo rhoqo ngenyanga. Isikali sayo sihamba kuluhlu olusuka kwi-12% laya kwi-15%. Kwaye kuzo zonke iimeko, ngaphandle kwekhomishini okanye enye inkcitho kulawulo lwayo okanye kulondolozo. Le nkonzo iya kuvumela abasebenzisi ukuba bahlengahlengise ngcono kuhlahlo-lwabiwo mali lwasekhaya, kwangexesha leeholide zabo.
Nangona kunjalo, ngamakhadi adityaniswa ngokubanzi kuphawu lwentengiso oluthile okanye urhwebo. Kwaye isiseko sabo basisekele kwi ukuthembeka kwabathengi njengeziko lephulo lokwazisa ngezi plastiki. Ukongeza, zihlala zikhululekile, kwaye kwiimeko ezininzi azinayo imali yesondlo okanye yolawulo. Kwaye ziyandiswa nakwezinye iimveliso zabakhenkethi: ukubhukishwa kweenqwelomoya, indawo yokuhlala, i-spa, njl. Ungabathatha kunye nawe kuhambo lwakho olulandelayo.
Ungawaphatha njani ngcono amakhadi?
Ngokuqinisekileyo xa ujonga isipaji sakho uyakufumana ikhadi elinezi mpawu. Kukulungele ukuba uchonge ukuyilungiselela ngaphambi kokuqala iiholide. Zininzi izibonelelo onokuzifumana, kodwa kufuneka uziphathe ngononophelo olukhulu ukuze ungangeni kumatyala agqithisileyo ukuba uwasebenzisa rhoqo.
Le yeyona ngxaki inkulu kule ndlela yentlawulo sithetha ngayo. Awuzukubaxhaphaza ekusebenziseni kwabo, ukuba ufuna ngenene ukubanika usetyenziso oluchanekileyo kunye nolwazelelelo. Kwaye ukuze ufezekise ezi njongo, awuzukukhetha ngaphandle kokungenisa uthotho lweengcebiso esikutyhila apha ngezantsi.
- Ngaphandle kwazo zonke izibonelelo zokumisa iintlawulo, kuya kufuneka uzibuyise izixa, kwaye akufuneki ungene ematyaleni agqithisileyo kuba uhlahlo-lwabiwo mali onalo lwenyanga nganye lunokuphazama.
- Kufuneka usebenzise la makhadi kuphela xa uzifuna ngokwenene, kwaye ungaze uzibophelele okanye usebenze rhoqo, kuba awuzukukhetha ngaphandle kokuhlawula inzala ephezulu kakhulu.
- Le ndlela yokuhlawula ingasetyenziselwa phuma ngokukhawuleza, kodwa hayi ukuzisebenzisa ngalo naliphi na ixesha eliqhelekileyo, kwaye ngaphantsi ukuhlawula zonke iindleko ngeplastikhi. Inokonakalisa umdla wakho ngokuthatha uhlobo olungeyomfuneko lwetyala.
- Kuya kufuneka ukhethe ifayile ye- imodeli efanelekileyo kwiprofayili yakho Njengomthengi, ngoncedo lokuba uya kuba nezindululo ezininzi eziya kuthi zijongane neemfuno zakho, nokuba kuthotho lweenkonzo ezongezelelweyo kunye nezibonelelo eziluncedo kakhulu kubomi bakho bemihla ngemihla.
- Zama ukukhetha amakhadi sukubandakanya inkcitho. Ngokukodwa ngaphandle kwee-commissions okanye ekukhutshweni nasekugcinweni kwayo. Ngale ndlela, nokuba awusebenzisi, awuzukuhlawula nayiphi na i-euro.
- Yiphathe kakuhle i idlule imida yakho, kuba ungazibona ukwingxaki enkulu yemali. Ukuhlawula inzala kwinkonzo engafuneki ngenene ukuba irhoxise intlawulo.
- Soloko ujonga ukuprinta okuhle kwesivumelwano kwimeko apho ibibandakanye inkcitho engaphezulu kunangaphambili: izohlwayo, iifizi ezifihliweyo, ulondolozo, njl. Xa unayo yonke into ecacileyo ungatyikitya ukuze uqale ukonwabela izibonelelo zayo.
- Kwaye kunjalo sukuqokelela amakhadi amaninzi akubiza minyaka le. Ukuphinda phinda kule ndlela yokuhlawula yinto ekufuneka uyiphelisile kwasekuqaleni ukuze ubenenkcitho, kule meko akunamsebenzi.
Uwafumana njani amakhadi simahla?
Usenokungayazi, kodwa uninzi lwala makhadi anokufumaneka ngaphandle kokuthatha naziphi na iindleko, simahla. Njani? Ewe, ilula kakhulu, usebenzisa izicwangciso ezithile zebhanki ezikhokelela kolu khetho lubekiweyo. Enye yezona zixhaphakileyo zezi ukuqesha iakhawunti yokujonga evuma oku kunokwenzeka, ngaphandle kwezinye iimfuno zebhanki.
Ukuba uhlawula umvuzo wakho, kwaye kwanezona mali iphambili zasekhaya, uya kuba nakho ukubhalisa iplastikhi yakho phantsi kwezi meko, oko kukuthi, simahla. Ukongeza ekubandakanyeni olunye uthotho lwezibonelelo ezinokukunceda kulwalamano lwakho nebhanki. Iikhredithi ezikhethiweyo, inkqubela phambili yomvuzo, i-inshurensi yasimahla, njl.
Elinye iqhinga elingaze lisilele ukufezekisa ezi njongo Ngokuqinisekileyo kwenzeka ukuba ube ngumthengi olungileyo. Ukungabinamatyala kunye nebhanki, ukusebenza kunye neemveliso eziphambili, kunye nokuvula iphothifoliyo yezokhuseleko kunokukunceda. Njengomvuzo baya kukunika amakhadi etyala okanye okuthenga, ngaphandle kokujongana nazo naziphi na iindleko zokuzisebenzisa.
Kwezi zibonelelo ekuya kufuneka ubenazo iindleko kule ndlela yokuhlawula indalo iphela, kuya kufuneka ukhethe kuphela imodeli enokukunceda kubomi bemihla ngemihla. Kwaye apho ibaluleke kakhulu khetha imodeli engeyiyo kakhulu, enenzala enokhuphiswano ngakumbi, kwaye oko akuvelisi zindleko zongezelelekileyo ekusebenziseni kwayo. Ngezi zinto zixabisekileyo kufuneka ulandele isithembiso esenziwe yibhanki yangoku ukufumana esona sisombululo sisiso, kwaye kwimeko nganye iya kwahluka.
Akufanele ukhethe iifomathi oza kuzisebenzisa kancinci, okanye ubuncinci. Hayi ngelize, iya kuba yinkcitho encinci oyenzayo ngaphandle kwesidingo. Ngokukodwa xa uneemodeli ezininzi onokukhetha kuzo, kwaye kuzo zonke iibhanki ezisebenza kumhlaba wesizwe. Emva kwezi ngcaciso, awusayi kuba nasizathu sokuhlawula ngaphezulu kokuyimfuneko ngokuba ngumnini welinye lala makhadi, ngeendlela zalo ezahlukeneyo.