Ngeke ukholwe ubude abazoya kuwo
Yize ngangibuza umphakathi esidlangalaleni ukuthi "ukuhamba ngokuhamba ngezinyawo" lapho ngihamba khona, ngihlale ngigcina ukuthi abantu abakwenzayo bafanelwe inhlonipho enkulu ngokuqina kwabo. Ngicabanga ukuthi abantu bathanda i-Points Guy ne-Lucky ye-One Mile ngesikhathi, ukubiza abadlali ababi kakhulu abahamba ngezinyawo.
Ngalokhu kukhishwa isikweletu, ngibuyela emuva kuncike ekutheni kuhambisana nokuthunyelwe kwami kwebhulogi engenhla, okuwukuthi izibalo zokuhambela ukuvakasha kudinga isilinganiso esikhulu kakhulu sokukhiqiza ukubuyiswa okuyinhloko, ngokuqinisekile eyodwa enkulu ngokwanele ukudala uphawu oluzungezile, njengabahlonishwa ababili engikushilo abakwenzile.
Ngempela, kuyilapho ngingazange ngiyeke amandla mayelana namasu noma yimuphi umuntu osebenzayo, ngizohamba ngesinyathelo esisodwa ngokubanzi: Ukuhamba ngokuhamba ngokuphumelelayo kudinga amaqhinga ayenamandla, angcono, futhi angenakuziphatha kahle. Icala ngephutha, into ebizwa nge-colloquially ngokuthi "ukusetshenziswa okwenziwe."
Ukukhwabanisa Ukuhamba: I-Credit Card Method
Ngesikhathi esiningi ukuhamba ngokuhamba kwezehlakalo sekukhona, amaphuzu ekhadi lesikweletu abe yinto eyodwa kuphela yesiteji jikelele. Abaduni bezokuhamba bazofaka izicelo zamakhadi wesikweletu wokuhamba ukuze bathole amabhonasi abhalise ngokukhululekile, bese uwasebenzisa ukuze uthole amaphuzu okusebenzisa imali, futhi uqoqe amaphesenti athile wamakhilomitha abo jikelele kanye namaphoyinti ukuze ubhale ukuhamba kwamahhala, kube okokuqala amathikithi ezindiza zamabhizinisi, amakamelo amahhotela namasiteshi, noma ngabe yini enye ayithandayo.
Nokho, maduzane, njengoba izinhlelo zokungathembeki kwezindiza ziqhubeka zithola izilinganiso ezingakaze zenzeke, amakhadi esikweletu ngamakhambi abe umthombo oyinhloko wamaphuzu ayigugu-futhi, ngokulinganiselwa okunye, okuwukuphela komuntu.
Izikhathi ezimbi zibiza izinyathelo ezimbi, kokubili ekuhambeni nasekuphileni.
Ukusebenzisa Isibonelo Sokukhiqizwa
Enye yezindlela eziyinhloko ezihamba abaduni baye bafunda ukwenza ngcono imali yabo (futhi, ngaleyo ndlela, amamayela / amaphuzu abo) ukwenza empeleni ukuchitha ngaphandle komoya omncane. Eyaziwa ngokuthi "ukukhiqizwa okukhiqizwayo," le nqubo ihilela ukuthenga izinsimbi ezingathengwa ngemali, ngokukhululekile noma ezishibhile, bese usebenzisa imali eshiwoyo ukuze ukhokhe ikhadi lesikweletu, amaphuzu okuthola inqubo.
Ake sithi, ngokwesibonelo, ungama-10,000 amaphuzu angasogwini ngendiza ofuna ukuyithatha, futhi awunaso isikhathi sokulinda ukuchitha u-$ 10,000 ngendlela ephilayo. Ngokomqondo wokusebenzisa okwenziwe, ungase uvele uthenge i-Visa noma i-American Express isipho sesipho se-Visa esikhokhelwayo noma uzithumele imali usebenzisa ama-akhawunti akho (ehlukile) ama-Amazon Payments, phakathi kwezinye izinketho. Ngokusobala, uma unekhadi lesikweletu lapho uthola khona amaphuzu angaphezulu kwelilodwa idola ngalinye elichithekile, inani "lokuchitha" okudingeka ukuthi "ukhiqize" linciphisa ngokulinganayo.
Ngenkathi amasu okusebenzisa okwenziwa okwenziwa njengalawa, okungenani okwamanje, okwezomthetho, ahlukumezeka ngokomthetho, angasho lutho nge-tedium okubandakanya ukubulawa kwabo.
Okunye okunye okusetshenziselwa ukuchithwa okufakiwe
Ufuna ukuthola amaphuzu amaningi ngokusebenzisa amakhadi esikweletu, kodwa ungafuni ukuziphatha njengethuluzi eliphelele ukuze wenze kanjalo? Indlela elula yokwenza lokhu ukungena kumkhuba wokusebenzisa ikhadi lakho lesikweletu (okukhethwa kukho) kuzo zonke izinto zokuthenga kwakho, bese (ngokuqinisekile) uzikhokhela ngokugcwele. Ngaleyo ndlela, uthola iphuzu (noma ngaphezulu) kuwo wonke ama-dollar oyisebenzisayo.
Ukuze uthathe lokhu kwesinye izinga, ungakwazi ukwenza izinto ezinkulu noma ezithe xaxa ngesikhathi uyazi ukuthi uzosebenzisa amaphuzu amaningi.
Isibonelo, uma umthengi onikeziwe evumela, ungasebenzisa ikhadi lakho lokuthenga ngesikweletu ukuze uthenge imoto entsha (ukukunika amashumi ezinkulungwane zamaphoyinti, kuye ngemoto), ukukhokha intela yakho yonyaka yentela noma ukukhokha intela yakho noma indlu yokubolekwa njalo ngenyanga. Amathuba (futhi, ngempela, amathuba okuthola imali) ayinasiphelo, kungakhathaliseki ukuthi ukhetha ukuzibandakanya ekuthungeni kwemali eyenziwe.