Imiklomelo ngamaphuzu akho namamayela akudingeki ukuba kube ukuhamba okusekelwe
Ngisanda kukhuluma nomngani wami uShannon, ongenaso isineke sokugcina amaphuzu akhe namamayela ukuze ahlenge eholidini elikhulu. Ngombono wakhe, kuyilungelo elingenakufinyeleleka futhi akanomuzwa wokuthi uthola inani elikhulu kusukela ohlelweni lokwethembeka aze abone imiphumela ebonakalayo - indiza ikude kakhulu. Kunesixazululo kubantu abanjengoShannon. Ngokuziphathisa amakhadi wesipho kusuka ezitolo noma zokudlela ezinamaphuzu akho namamayela, ungajabulela izithelo zokuqoqa ngokushesha.
Awudingi ukuhamba ngokuzithokozisa okusheshayo noma - ungagcina amakhadi wesipho esiphezulu. Ngaphezu kwalokho, uzobe usindisa imali futhi uthole okuthile oyifunayo ngempela. Nakhu ukuthi ukuhlenga amaphuzu amakhadi wesipho kusebenza kanjani nokuthi ungayisebenzisa kangcono kanjani le mikhakha yokuvuza.
Ukusebenzisa umvuzo wekhadi lesikweletu
Kusukela uShannon engagxile ekuqoqeni amaphuzu kanye namamayela ukuze ahlenge ngezindiza, ngincoma ukuthi uzikhokhele ngamakhadi wesipho. Uma lokhu kuyindlela yakho, ungasebenzisa amanye amakhadi esikweletu asebenza kangcono ekuhlengweni kwekhadi lesipho. Isibonelo, ngokusebenzisa uhlelo lwe-Discover's Cashback Match ™, uzothola amaphesenti owodwa ekuthengeni ongakuthola kumakhadi wesipho, ama-e-izitifiketi kanye nama-Amazon. Amakhadi amaningi amakhredithi ahlinzeka ngamatatimende esitatimende ngokungeziwe noma esikhundleni samakhadi wesipho, angasiza ukunciphisa izikweletu zakho zekhadi lesikweletu.
Chase Imiklomelo Yomunye uhlelo lomvuzo wemali yekhadi elikuvumela ukuthi uhlenge amaphuzu akho ngamakhadi wesipho.
Njengomqoqo wokuPhelela okuNqunyiwe, ungahlenga amaphuzu akho ngamakhadi wesipho ngokwesilinganiso se-cent cent iphuzu ngalinye (kubathengisi abaningi). Ngakho ikhadi lesipho le-$ 50 lingabakho ngokuthenga amaphuzu angu-5,000. Abadayisi bafaka izindawo ezifana ne-Home Depot, Target namahhotela e-Hyatt.
Ukusebenzisa izinhlelo ezithile zezindiza
Ezinye izindiza ziqhuba izinhlelo zabo zamakhadi-kuya-isipho-ikhadi, okuyindlela enhle yokuzihlenga uma unezinkulungwane zokushisa kodwa ungahleli ukuhamba ngokushesha.
Isibonelo, ama-Airlines aseHawaiian akuvumela ukuthi uhlenge amaHawaiianMiles akho ngamakhadi wesipho kumthengisi wabalingani. Ezinye ziyizinketho ezisebenzayo kulabo abahlala endaweni yakithi, njengesitifiketi sesipho sama-$ 25 ezitolo zokudla ze-Foodland ama-5,000 eHawaiianMiles. Kodwa kunezinketho eziningana ngezesikhalazo esikhulu, njenge $ 50 kuya ku-Alamo, i-Avis, iBhajethi noma ukuqashiswa kwezimoto zikazwelonke kuma-Hawaii angu-10,000.
Uma unelungu le-SkyMiles Medallion noma unekhadi lesikweletu le-Delta SkyMiles kusuka ku-American Express, ungathenga amakhadi wesipho ku-SkyMiles Marketplace, ehlanganiswe nabadayisi abahlukahlukene. Ukuhlengwa kwekhadi lesipho kwamasitolo afana ne-iTunes, i-Starbucks ne-Amazon iqala kuma-SkyMiles angu-3,000 kuphela.
Iya ku-inthanethi uphinde ugcine
Ngokuzivumelanisa okukhulu nakakhulu ngamaphoyinti akho, amapulatifomu afana ne-Points Loyalty Wallet akwazi ukukuhlenga amaphuzu akho ngezinhlobonhlobo ezikhangayo zabathengisi abahlukene. Amathuba angapheli, kusukela kumakhadi wesipho okuthengwa kwansuku zonke ezindaweni zokudla kanye neziteshi zegesi, ezitolo zakho zokugqoka ezizithandayo kanye nezindawo zokudlela. I-Points Loyalty Wallet ikuvumela ukuba uhlenge amaphoyinti namamayela kusuka kulezi zinhlelo zamakhadi wesipho: American Airlines AAdvantage, Frontier Airlines EarlyReturns, amaHawaiianMiles, i-Icelandair Saga Club, i-IHG Imiklomelo Club njll.
Isibonelo, asho ukuthi uqoqe amakhokheji we-AAdvantage amamayela kusuka kubhonasi yokubhalisa ikhadi lesikweletu kanye nokuthenga. Ngenkathi yomshado kithi, ungakwazi ukheshe ngamakhilomitha angu-24 600 ukuze uthole ikhadi eliyisipho sika-$ 100 ku-Bed, Bath and Beyond. Umakoti nomkhwenyana bayahamba ngesipho sokuzikhethela ngenkathi usulele imali yakho ehlobo nje kancane kancane.
UShannon nomyeni wakhe uBrian bahlanganyela ngekhadi lesikweletu. Bangakwazi ukusebenza emigomweni yokuhlengwa encane yokuthembeka. Bazovame ukuhlenga amamayela angu-6 500 ngokushintshanisa ikhadi lesipho le-$ 25 kuma-AMC Theaters, ubusuku obusuku bokujabulisa ukuthi bobabili bangajabula. Nanka ezinye izindlela ezinkulu ongakwazi ukuzihlenga umvuzo wakho wokwethembeka kwamakhadi wesipho:
$ 25 kuya ku-Barnes noNoble okushintshaniswe ngamaphoyinti angu-7 300 Icelandair
$ 20 kuya e-Amazon ngokushintshanisa ama-4,800 MeliaRewards amaphuzu
- $ 50 kuya ku-Macy ngokushintshanisa amaphuzu angu-32,000 we-IHG Rewards Club
Beka amaphuzu akho ngendlela efanele
Amaphuzu okuhlengwa namamayela ngamakhadi wesipho anikeza umvuzo ophuthumayo wokusebenzisa noma okunye okunye okuholela emiklomelo esekelwe kwezohambo. Kungaba futhi indlela yokusebenzisa kahle amaphoyinti namamayela asondela ngezinsuku zabo zokuphelelwa yisikhathi, noma ohlelweni owaziyo ukuthi ngeke uphinde uzuze.
Into ebaluleke kunazo zonke yokuhlenga imali yakho yokwethembeka yukuthi isebenza kuwe. Okukhethwa kukho ukuhlenga amakhadi wesipho kuyindlela eyodwa yokwethembeka kwamanye amazwe futhi amamayela akunikeza ukuguquguquka nokubaluleka.