Eziningi zezikhungo ezinkulu zezentengiselwano zikhethe ukunikeza amakhasimende abo uhla lwamakhadi abangawenza ngawo ziqukethe izindleko zakho zokuthenga. Ahanjiswa ngezindlela ezicishe zifane nezamakhadi wesikweletu ajwayelekile akhuthazwa ngamabhange. Kufakwa kuphi imigqa yesikweletu unomphela ekusetshenzisweni kwezezimali. Futhi ngochungechunge lwezinzuzo nezinsizakalo ezingabenza bazuze kakhulu kubafakizicelo babo.
Ngokuyinhloko imayelana amakhadi okuthembeka, lapho ukuxhumana kwamakhasimende nomkhiqizo wezohwebo kunqoba khona. Kunoma ikuphi, amamodeli abo ayafana, futhi lapho ipulasitiki ngayinye izama ukuzihlukanisa ngokwenziwa kokunikezwayo nokuphakanyiswa. Ngaphandle kokulahlekelwa ukubambezeleka okujwayelekile kokukhokha, ngaphandle kwenzalo noma amakhomishini, njengezimpawu zale ndlela yokukhokha.
Izindawo ezinkulu (izitolo ezinkulu, ama-hypermarket, izikhungo zokuthenga ...) zenze uchungechunge lwamakhadi ukuze ukuthenga kwamakhasimende abo kwenziwe ngendlela egculisa kakhudlwana izintshisekelo zabo. Futhi ukugcwalisa inqola yokuthenga akusho ukuthi umzamo owengeziwe woku kulinganisa isabelomali sakho sanyanga zonke.
Ngemigqa yesikweletu yokuthenga
Ukwanelisa abafakizicelo bakho baphatha imigqa yezimali yokuthenga kwabo, ezisukela cishe ezinyangeni ezi-3 kuye kweziyi-12, futhi umnikelo wazo omkhulu ukuthi awufaki inzalo noma amakhomishini, yize kuhlala kusekelwe ekusebenziseni okuncane okufanele kuhlangatshezwane nakho. Isikhuthazo sokonga kungenye yezinhloso la makhadi akhethekile enzelwe zona. Yize kungena ngokuthenga kubanikeli bala makhadi.
Isu labo lokuhweba lincike ekutheni bangakhokha inani elinqunyelwe ngenyanga, ukuze izindleko ezitholakele zingabi nomthelela omkhulu kubhajethi yemindeni yabaninizo. Ezinye izindlela, ngisho khetha ukunikeza izaphulelo ngqo Ekuthengweni kwabo, ama-voucher esaphulelo, amaphoyinti angahlengwa kanye nokufinyelela kumikhiqizo yale mikhiqizo njengefomula yokubakhuthaza ukuthi badle. Futhi ngale ndlela, finyelela inani elikhulu lamakhasimende.
Banikela nangezinye izinsizakalo ezihambisanayo: izaphulelo emagalaji kaphethiloli, ukupaka mahhala kwezimoto nokufinyelela ngqo ezinhlwini zamabhizinisi. Noma ngabe ikuphi, kungumkhiqizo omuhle wezintshisekelo zabathengi. Ukukhishwa kwayo kukhululekile ngokuphelele, ekuphathweni kwayo nasekugcinweni kwayo, futhi lapho izihlobo eziseduze nazo zingazuza khona ngamakhadi angeziwe, ngaphandle kokukhokhiswa kwemali okukhethekile.
Imaphi amakhadi ongawaphatha esikhwameni sakho semali?
Esinye seziphakamiso abathengi abangasizakala ngazo yikhadi le-Eroski Red, okuyi wethula umzila ophindwe kabili wezezimali ngokuthengwa okwenziwe ngale ndlela yokukhokha mahhala ngokuphelele kubanikazi bayo. Ngakolunye uhlangothi, leyo ebekelwe izinyanga eziyi-6, yokuthengwa ngaphezulu kwama-euro angama-149 futhi, ngakolunye uhlangothi, inwetshelwe ezinyangeni eziyi-12, ngamanani angaphezu kwama-euro angama-399. Kuzona zozimbili lezi zimo, zenziwa ngaphandle kwenzalo noma amakhomishini, yize lezi ziphakamiso zivumelekile kweminye iminyango yalolu hlobo lokuhweba (ikhaya, izinto ze-elekthronikhi, izindwangu, i-DIY, ezemidlalo, njll.).
Enye indlela enikezwa yileli khadi ukukhokha inani elinqunyelwe ngenyanga, ukuze izindleko zenqola yokuthenga zenziwe ngendlela ehleleke kakhudlwana. Qedela ukunikela kwakho ngokuthola 10% izaphulelo kukho konke ukuthenga, ngaphandle kwezitolo ezinkulu, ama-hypermarket nezitolo zokudla, kanye nethuba lokuthola ama-voucher esaphulelo.
ICarrefour, ngokwengxenye yayo, yakhele iPass Card, okuyi cabanga izinyanga ezi-3 ngaphandle kwenzalo, ngamanani amakhulu kunama-euro angama-90, futhi aze afike ku-2.000, ngenani lenzalo yonyaka engu-0%. Njengenzuzo eyengeziwe, ikuvumela ukuthi uqoqe i-1% yakho konke ukuthenga okwenziwe. Omunye umnikelo odalwe yikhadi lalesi sikhungo sokuthenga ukuxhasa ngemali ukuthenga ezinyangeni eziyi-10 ngaphandle kwenzalo. Lesi siphakamiso sisebenza futhi ngamanani afanayo (phakathi kwama-200 nama-euro angama-2.000 XNUMX), futhi kunqwabelana ngamaphesenti amancane wokuthenga.
IMercadona isungule ukwakheka okwehlukile ngekhadi layo lokuthenga, ekubeni ipulasitiki yamahhala ngokuphelele. Inezinhlobo ezimbili zokukhokha: nsuku zonke noma ngenyanga ukukhokhela izidingo zamakhasimende ayo, futhi lokho kuzivumela ukulawula kangcono izindleko zazo, ukuthumela njalo ngenyanga isitatimende esinemininingwane sakho konke ukusebenza kwakho. Ngakolunye uhlangothi, abaphathi bekhadi eliyinhloko bangacela amakhadi angeziwe ukwengeza izinzuzo kumalungu omndeni wabo oyinhloko: izingane, abazali, njll. Noma kungenzeka ushintshe indlela yokukhokha.
I-Alcampo Card kungenye indlela okufanele uyisebenzise kuma-hypermarket akho futhi mahhala. Ayikho imali yokukhishwa noma yesondlo, kokubili kumnikazi wekhadi nakwabanye abahlobene. Ngazo ungakhetha ekuthengeni ngakunye indlela yokukhokha ekuthakazelisa kakhulu kuwe, kungaba ukukhokha ekupheleni kwenyanga, noma imali ekhokhwayo njalo ngenyanga, futhi njengenye indlela yokugcina ukukhokha okuhlehlisiwe kusuka ezinyangeni ezi-3 kuya kwezingu-36. Ungasizakala ngokunikezwa okukhethekile nezaphulelo kuma-hypermarket naseziteshini zegesi, ngezimo ezikhethekile zezimali zokuthenga okwenziwe kuma-hypermarket nakuma-ejensi wokuhamba.
I-El Corte Inglés Card ingenye yezindlela zokukhokha ezivumela ukulawulwa okuqinile kwezindleko zakho zanyanga zonke, ngoba inyanga ngayinye bakuthumelela isifinyezo esinemininingwane sokuthengiwe okwenziwayo, kanye nolwazi ngemisebenzi kanye amaphromoshini enziwa ezitolo zabo. Futhi kumahhala, ekunikezelweni nasekugcinweni kwayo. Ngakolunye uhlangothi, iqiniso lokuthi ungumnikazi waleli khadi lizokhiqiza izindawo ezinkulu zokuthenga ngesikweletu ekukhokheleni okuthengile okubaluleke kakhulu.
Futhi, njengenzuzo ehambisanayo, bakunikeza ngezinsizakusebenza ezinkulu ukuze ukwazi ukupaka imoto yakho ezikhungweni abazinikezile ukuhlangabezana nalesi sidingo. Njengomthetho ojwayelekile, uma uthenga okungaphezu kwenani elishiwo esikhungweni ngasinye, uzohlala amahora amabili mahhala.
I-Simply Card ngesinye isiphakamiso ongasithola njengamanje, ngaphandle kokubandakanya noma yikuphi ukukhishwa kwezezimali. Ngaphezu kwalokho, uzokwazi ukubheka kokukhishwa kweminyakazo oyenzayo kulesi sikhungo sezohwebo, futhi umkhawulo otholakala ngaso sonke isikhathi ekhadini lakho lokukhokha. Ikhadi Lomndeni lesitolo esikhulu iMás ligcwalisa ukunikezwa kwalezi zindlela zokukhokha ngenye imodeli enezici ezifanayo.
Izophinda ibe mahhala, ikunikeze okunikezwayo okukhethekile nezaphulelo ezitolo zayo ezinkulu nokulethwa kwasekhaya mahhala kusuka kuma-euro angama-60 wokuthenga. Ngayo, uzokwazi futhi ukuthola izipho ngokuthenga kwakho. Ngawo wonke ama-euro ama-5 wokuthenga azokunikeza amaphuzu angama-50, ongashintshana ngawo kamuva ngezipho ezinikwe amandla kukhathalogi yabo yokuthenga. Futhi njengesici sokuqala ngokwengeziwe, isipho sebhasikidi wezingane osanda kuzalwa.
Izici zala makhadi
Kufanele wazi ukuthi awusebenzisi amakhadi ajwayelekile, kepha ukuthi kuyindlela ehlukile yokukhokha, okuzama ukukugcina njengekhasimende. Futhi ngale ndlela, ungayi emncintiswaneni. Kulesi simo esivamile, kuzoba nezinsizakalo eziningi ongazisebenzisa kusukela ekuqaleni, futhi okulandelayo kuzo okulandelayo.
- Bakhiqiza ifayela le- imali ephakathi kwezinyanga ezintathu nezingu-3 cishe, ngaphandle kwenzalo noma amakhomishini, kepha lokho kudinga ukusetshenziswa okungenani.
- Inika amandla khokha inani elinqunyelwe ngenyanga, ukuze izindleko zingabi nomthelela owedlulele kusabelomali sasekhaya sanyanga zonke.
- Kungaba njalo finyelela okunikezwayo nokukhushulwa, kodwa futhi kolunye uchungechunge lwamasu wokuhweba anolaka, nokufinyelela kolunye uchungechunge lwemikhiqizo ehambisanayo.
- Zingasetshenziswa yizo zombili umnikazi wayo omkhulu kanye namalungu omndeni ofisa ukukufaka, ngokusebenzisa amakhadi angeziwe angenalo uhlobo lokugcwaliswa kabusha okukhethekile kwanoma yimaphi amaqembu.
- Bakhululekile ekuphumeni kwabo, kokubili ekunikezelweni kwayo nasekugcinweni kwayo, okungukuthi, ngaphandle kwezindleko zezomnotho kwababhalisile bayo.
- Ngazo ungakhetha ekuthengeni ngakunye indlela yokukhokha oyithandayo kakhulu, kungaba ngenkokhelo ekupheleni kwenyanga, imali ekhokhwayo yanyanga zonke, noma ekugcineni inkokhelo ihlehlisiwe.
- Kungumkhiqizo onamandla kakhulu lokho kuguquka njalo ngokuya ngokunikezwa eyenziwe yinkampani ngayinye yezentengiso. Ngeziphakamiso ezinolaka kakhulu zokugcina amakhasimende akho.
- Banikeza ezinye izinsizakalo ezihambisanayo: izaphulelo emagalaji kaphethiloli, ukupaka mahhala, nokufinyelela okuqondile kokunikezwayo namakhathalogi omkhiqizo wezentengiso.
Ngamakhadi womuntu siqu futhi angadluliseki
Iningi lala makhadi ayimfihlo futhi awadluliseki, futhi abaphathi bawo kuphela abangawasebenzisa lapho bethenga ezindaweni zokuthenga futhi bazuze kuzo zonke izinzuzo zabo. Yize bekuvumela ukuthi uwadlulisele kumalungu omndeni wakho, ucela amakhadi amaningi angeziwe njengoba umnikazi wawo oyinhloko edinga. Isidingo kuphela sokwenza le nqubo yokubhalisa ibe semthethweni siqukethe gcwalisa isicelo kunoma isiphi isikhungo yomkhiqizo okukhulunywa ngawo. Lapho bobabili umnikazi kanye nalowo ofaka isicelo bezosayina, bese befaka ikhophi yomazisi kazwelonke wabo bobabili abafakizicelo.
Ngale ndlela, zingasetshenziswa nazo zonke izinzuzo zazo ngabantu abaningana ngasikhathi sinye, ngaphandle komkhawulo ekusebenziseni kwazo. Ngokuvamile, bobabili umnikazi wekhadi nalabo abengeziwe abahlanganisi izindleko zokukhishwa noma zokulungiswa. Ngakolunye uhlangothi, uma kwenzeka ulahlekelwe noma webiwe ikhadi lakho, lezi zikhungo zokuthenga ube nesevisi yamakhasimende unomphela lapho lo mcimbi kufanele uhanjiswe ngokushesha okukhulu ukuze ipulasitiki ivinjwe ngokushesha. Ngale ndlela, amalungelo atholwe abanikazi baleli khadi lokuthembeka angavikelwa.