Iwe unogona kuda kubhadhara nekadhi rako rechikwereti, asi varimi vazhinji vebhizimisi vanoda kuti iwe urege. Kana iwe wakambove wakaoma zvakaoma uchishandisa plastiki, unganetseka kuti nei vamwe vachichengeta uye mabhizinesi vasingatore chikadhi yemakadhi (kana kunyange makadhi debit). Mutsara unotyisa "shungu, hatigamuchiri makadhi" kana chiratidzo che "CASH ONLY" chisingaoneki chinoratidza kuti muridzi wemabhizimisi ane zvimwe zvinonetsa.
Iwe unogona kazhinji kubika izvo zvinotambudza kusvika kune mari, chokwadi, nekuoma kunzwisisa.
Mutengo
Kuti agamuchire makadhi, mabhizinesi anowanzobhadhara chikamu chekutengeserana kwega kwega, uye vanogonawo kubhadhara mari yakawanda yemwedzi kuchengetedza kambani yevatengesi. Nekadhi rechikwereti kutengesa, mari inowanzosvika 2% kusvika ku3% yekutenga kwako (uye mamwe makadhi anodhura kupfuura mamwe). Izvo zvingasaita sezvakawanda, asi mamwe mabhizinesi anongotora purofisi shoma, uye iyo mari inodya mumiganhu yakasimba.
Vashandi vebhizimisi vanotarisana nemari shoma shoma kana kutapudza mari kune vatengi, uye vakawanda vangasada kuita zvakare.
Dhidhi kadi yekubhadhara haina mari shoma kudarika makadhi emakwereti ekugadzirisa, asi vamwe varidzi vebhizimisi vangave vasingazvioni izvozvo, kana kuti vanokanda mwana kunze nebhajiji uye vanongoda kuti munhu wese abhadhara nemari kana kutarisa. Zvimwe zvivako zvinotora makadhi asi zvinokonzera kukanganisa kubva pamari yekutsvaga: vanogona kuisa zvishoma pamatenga ekukweretesa kadhi rechikwereti kana kutengesa vatengi zvimwe zvekushandisa kadhi rechikwereti (havafanirwi kuisa zvishoma kana kubhadhara mari yekutengesa kadhi kadi , asi mutsetse unowanzowana zvakashata).
Sei makadhi echikwereti akadhura? Marikiti yemakadhi anopa zvikomborero zvakasiyana zvausingawani nemadhidhidhi (makadhi ane mibayiro, yakadai sekubhadhara mari uye makadhi ekufambisa, anonyanya kukosha). Izvozvo zvinowanikwa kune vamwe vashandisi vemakadhi, asi muridzi wezvitoro anobhadhara mari iyo (kana kuti yose yevamwe vatengi vanopa rubatsiro kuburikidza nekubhadhara mitengo yakakwirira).
Iwe unogona zvakare kukaka kuti mitero ndeimwe rudzi rwemari, uye mamwe mabhizimusi anoshandisa mari mukuedza kuderedza mitero. Pasina rekodhi yemagetsi yekutengeserana kose, zvakaoma kuti IRS izviratidze kuti uri pasi pekuita. Izvi zvingangove izvo chete uye kwete kutonga, asi zvinoitika.
Chokwadi
Cash is king. Kana iwe uchibhadhara nemari, muridzi wemabhizimisi anoziva kuti mutengesi wacho wakakwana, uye pane ngozi shoma yekusangana kwemangwana (iyo mari inogona kuva yonyengeri, asi iyo haisati yakwanisika). Mari yacho inowanikwa pakarepo kuti muridzi wemabhizimisi aite kana kuisa.
Kana iwe uchibhadhara nepurasitiki, inogona kutora mazuva akawanda kuti mari iwanikwe mune bhizinesi 'rega rebhizimisi (kunyanya nekadhi rechikwereti). Zvakare, mhosva dzacho dzinogona kupindurwa mumwedzi mishomanana: kana kadhi yacho yaishandiswa nekunyengera kana mutengi asina kufara nechigadzirwa kana kushanda, makambani emakadhi anokurumidza kubhadhara rebackback .
Mune dzimwe nzira, cheki ndiyo yakachengeteka kune vatengesi nokuti zvakaoma kuti vatengi vatore mari yavo zvakare. Zvechokwadi, ani zvake anokwanisa kunyora kuongorora kwakaipa kana kurega kubhadhara cheki , asi kana bhengi yemutengi achibhadhara cheki (izvo zvinogona kutora vhiki dzinoverengeka ) zvakaoma kuti mutengi aende pamwe chete nemari.
Mabhizimusi anogona dzimwe nguva kutora misoro pamabhuku asina kukanganisa kana vanhu vanowanzowedzera cheki chebasa chekuongorora chekuita .
Complexity
Zvichipa nyaya dziri pamusoro, mamwe mabhizinesi anosarudza kudzivisa makadhi zvachose. Vanogona chaizvo kubatsirwa nokugamuchira makadhi, asi havanzwi sokufunga kuti vangakunda sei matambudziko uye vanowana mubhadharo wakarurama. Basa raifanira kutsvaga mutengesi uye sarudzo yakanakisisa yemuenzaniso wekutengesa ndeyakawanda.
Muzviitiko zvizhinji, mabhizimisi aya haafaniri kubvuma makadhi - vane zvikwereti zvakakwana kare. Izvi zvinowanzova sarudzo yemabhizimisi anopa chinhu chakasiyana-siyana icho vatengi vanoda. Semuenzaniso, fungidzira taco imire nemutsara kunze kwemukova wokutanga: vatengi vatotopedza zvakakwana saka hapana chikonzero chekutora matambudziko anouya nemakadhi.
Nei Zvitoro Usagamuchiri AmEx uye Dzidza
Vamwe vanochengeta vanogamuchira plastiki, asi ivo vanosarudza. Vazhinji vatengesi vanogamuchira Visa uye MasterCard, asi dzimwe nguva vachasarudza kusagamuchira American Express uye Discover. Muzhinji, izvi ndezvikonzero zvezvinetso zvakafanana zvinotsanangurwa pamusoro apa - asi nyaya idzodzo dzakanyanya kunyanya neAmEx uye Discover.
Makenzi vanoda AmEx yavo uye Discover makadhi. Zvisinei, mari yekugamuchira makadhi iwayo anowanzove akakwirira kudarika Visa yakare uye MasterCard. Zvimwe, zvinogona kuva nyore kuti vatengi vataure uye vadzose mhosva kune avo vanotora. Vanhu vazhinji vane kadhi reAmEx vane Visa kana MasterCard, saka vanogona kubhadhara nerimwe kadhi kana vachida (kunyange zvazvo vamwe vadhidhidhi vakavimbika kwazvo vanoti vanozorega kuita bhizimisi nevatengesi vasingagamuchiri makadhi avo vanodiwa).