Mhando dzeKodhadhi Makomborero
Makomborero kazhinji anowira mune chimwe chezvikamu zvitatu: mari, mapoka, kana makiromita. Mari mibairo ndiyo yakananga uye yakanyanya nyore kushandisa. Zvisinei, makadhi emari makadhi haako nguva dzose anokubhadhara iwe nemari. Mamwe mapurogiramu anongokubvumira kuti udzikinure mari yemari yako sechikwereti kuakaunti yako (ona kuti zvikwereti izvi hazviwanzoverengi sekubhadhara pane account yako).
Vamwe vachatumira cheki kana kuisa mari mubhadha yako yebhangi apo iwe unoda kudzikinura mubairo wako. Kana, iwe unogona kukwanisa kudzikinura mari yako yemakadhi emakadhi emakadhi nekadhi rako rakabudisa vatengesi vemabhizimisi. Iwe unowanzofanira kudzikinura mubairo wako mune zvimwe zvinyorwa, se $ 25, kana kuti nehuwandu hwakanyanya. Tarisa maongorori emukana wakanakisisa wemari mibairo yemakadhi makadhi.
Tarisa mibayiro inopiwa zvichienderana nedhora rimwe nerimwe raunopedza, somuenzaniso, imwe pfungwa ye dollar. Pfungwa dzinogona kuregererwa zvekutengesa mune purogiramu yepurogiramu yekutsvaga mall online.
Zvichienderana nekadhi rakabudisa, iwe unogonawo kukwanisa kudzikinura pfungwa dzako pamakadhi emakadhi, mari, kana kunyange kufamba. Kudzikinura pfungwa dzako pamakadhi emakadhi zvinogona kukupa mari yakawanda kune buck yako sezvo vashandi vakawanda vevatengesi vanokupa 10 kusvika ku20% kubva pamutengo wemakadhi. Mienzaniso yepuropa mibairo makadhi inosanganisira auto mubayiro makadhi uye hotera yemakadhi makadhi.
Miles kana mufambiro wemakadhi makadhi anokupa iwe nemakiromita aunokwanisa kuzvidzikinura nokuda kwetikiti dzendege. Nhamba yemakiromita iwe unogona kuwana inosiyana nekadhi rechikwereti uye nhamba yemakiromita iwe unoda kutenga ndege inopesana nehurongwa hwekufambisa. Iwe unogona kukwanisa kutendeuka maira pakati pemapurogiramu, asi iwe unogona kurasikirwa dzimwe humwe mukutendeuka. Heano mamwe maitiro ekufambisa mafiriji makadhi makadhi.
Iwe unogona kushandisa mibayiro yezvinhu zvakasiyana-siyana. Mipiro yemari inogona kubatsira kuderedza chikwereti chako chekadhi rechikwereti. Kufamba mibairo kunogona kukubatsira kuwana mahara asina mauri iwe nevanoda. Iwe unogona kushandisa mibairo kutenga mazororo uye zvipo zvekuzvarwa. Iwe unogonawo kuisa mari mibayiro yaunowana. Semuenzaniso, Fidelity Investment Rewards Signature Visa inoisa mubairo wako munyaya yekutsvaga. The Wells Fargo Home Rebate Card inoshandisa mibairo yako kuderedza mari yako.
Tiered vs. Mibairo Yakazara
Iwe unogona kuwana nhamba yakatarwa yemaropafadzo yedhora rose raunopedza. Kana, iwe unogona kuwana mari shomanana yezvipo pamari yekutanga yaunotenga mukati megore uye muhomwe mukuru wemubairo kana wawana pane imwe chikumbaridzo. Kunyange zvakadaro, mamwe makadhi emakadhi anobhadhara mibayiro yakawanda pane mamwe maitiro uye mubairo muduku kune mamwe ose kushandiswa.
The Catches
Iyo yakanakisisa mubayiro wekadhi kadhi mapurogiramu inongowanikwa kune vatengi vane zvikwereti zvikwereti zvikwereti. Kana chikwereti chako chikamu chinoda kuvandudzwa iwe unogona kusakwanisa kuwana mupiro wemakadhi emakadhi.
Makomborero emakadhi anowanzove akakwirira mari kupfuura mamwe makadhi emakadhi. Semuenzaniso, mari yegore negore inowanikwa nemakadhi ekubhadhara, dzimwe nguva yakakwirira se $ 200 kana $ 300. Kwete chete izvozvo, makadhi ekubhadhara anowanzova nezvikwereti zvakaderera kune mamwe makadhi emakwereti, zvinoreva kuti iwe haufaniri kutakura chikamu pamakadhi ekubhadhara.
Makomborero ari kure haasi nyore. Semuenzaniso, purogiramu inogona kuvimbisa kukupa mubayiro we5%, asi iva nechokwadi kuti unotarisa asterisk inokutaurira kuduku kudhindwa kukuzivisa kuti hauna kuwana iyo mamiriyoni mashanu kubva mubhadharo kusvikira wapedza mari shoma ye $ 3,000 pane yako kadhi mugore rekarenda. Ikoko kunogona kuva nemiganhu, zvigadziro, zvishoma zvidzikinuro zvakawanda zvinowedzera zvakaoma kudzikinura mubairo wako.
Kadhi kadikoni vanogonawo kuchinja purogiramu yavo mibairo pasina kunyeverwa, saka iva nechokwadi chekuti unoverenga zvinhu zvose zvinouya nemutemo wako wekutengesa.
Haasi mibayiro yose inogara nokusingaperi. Mamwe mapurogiramu anopera mibairo yako kana iwe usingashandisi mukati mehumwe nguva. Iyo yakanakisisa mibairo mapurogiramu musarega mibairo yenyu yapera, asi mapurogiramu akawanda acharasikirwa nemubairo wenyu kana iwe ukawa shure pane yako kadhi rechikwereti.
Kunze kwekunyorerwa kwakanaka, chikwereti chimwe chinhu chaunofanira kuziva nezvemaripo yekwereti yemakadhi ( Nzira Yokudzivisa Makomborero Kadhi Chekwereti ). Kana iwe uchigara uchitsvaka mibairo nemabhonasi, iwe unogona kukanganisa kadhi rechikwereti chisingakwanisi kubhadhara.