Okuqukethwe
Indlela yokugcwalisa isiqandisi ngemikhiqizo emnandi futhi ehlukahlukene futhi ngesikhathi esifanayo ingene kusabelomali somndeni? Umthengi wesimanje unama-hacks amaningi empilo alokhu. Ngeke kudingeke ukuthi wonge ngekhwalithi yemikhiqizo kanye nempilo yabathandekayo bakho.
Bheka izaphulelo namaphromoshini
Imikhiqizo ekuphromoshini ivusa izinsolo: kubonakala sengathi lena yindlela isitolo esisusa ngayo imikhiqizo osuku lokuphelelwa yisikhathi oseluzophelelwa yisikhathi. Kodwa lokhu akunjalo ngaso sonke isikhathi. Ngokuvamile umenzi ngokwakhe unikeza izimpahla ezishibhile ukwandisa ukuthengisa. Ngenxa yalokho, konke kuhlala kumnyama: isitolo sandisa imali engenayo, umenzi wandisa imali engenayo, futhi umthengi usebenzisa imali encane. Ngakho-ke, hlala ubheka izaphulelo ezitolo ezinkulu, kodwa khumbula: esitolo esisodwa, umkhiqizo onesaphulelo usengabiza kakhulu kunesinye ngaphandle kwesaphulelo.
Hlola izitolo ezingu-3-4 eduze nekhaya lakho futhi uqhathanise izintengo zemikhiqizo evela kubhasikidi wakho ovamile. Ngokunokwenzeka, kuzovela ukuthi kunenzuzo enkulu kuwe ukuthenga ubisi nemifino esitolo esisodwa, kanye nenyama nesinkwa kwesinye. Zenzele itafula elincane — kuzokwenza kube lula ukuhlela uhambo lokuthenga futhi ulandele amaphromoshini.
Ungakhokhi kakhulu ngalokho ongakudingi
Qaphela izitoko ezifana nokuthi “3 ngentengo engu-2”. Uma umkhiqizo wonakala ngokushesha, bala ukuthi uzoba naso yini isikhathi sokudla yonke into ngaphambi kokuphela kosuku lokuphelelwa yisikhathi. Uma uthenga kulo mkhiqizi okokuqala, cabanga ukuthi uzokhokha kakhulu uma ngokungazelelwe ungakuthandi ukunambitheka. Mhlawumbe kungcono ukuthatha iphakethe elilodwa lesampula kunezintathu ngesikhathi esisodwa kanye nokuphromotha.
Thenga kuma-hypermarkets
Izitolo eziseduze nendlu zifanelekile, kodwa cishe zihlala zibiza kakhulu kunama-hypermarkets namaketanga amakhulu okuthenga. Uma i-hypermarket ikude nawe, hlela ukuthengwa kwemikhiqizo kusengaphambili - kungcono ukuya esitolo esikhulu izikhathi ezi-2 ngenyanga futhi uthathe ukudla lapho amasonto ambalwa kunokuba ukhokhe ngokweqile kanye ngesonto kuleso esikhona. eduze kwendlu. Yenza uhlu lwayo yonke into ongayithengela ikusasa, uhambe nayo uma uye esitolo. Okokuqala, kulula kakhulu ukusebenzisa uhlu, futhi okwesibili, kuzosiza ukugwema ukuthenga okungahleliwe.
Izitolo ezinkulu eziwuchungechunge zivame ukukhipha izincwajana ezinezipesheli. Ungazilahli, kodwa zifundisise ngokucophelela. Lokhu kuzokusiza ukuthi uhlele ukuthenga kwakho okulandelayo okukhulu. Uma ungazange ube naso isikhathi sokuzithatha lapho ukhokha khona noma ekhawuntani, hlola iwebhusayithi yesitolo. Ukusesha ukukhushulwa kumanethiwekhi amakhulu, kunezinhlelo zokusebenza ezikhethekile-izihlanganisi zezaphulelo, kuyasiza ukuzifaka ku-smartphone yakho.
Sebenzisa i-cashback
Imbuyiselo yemali iyimbuyiselo yengxenye yemali esetshenzisiwe. Uma ukhokha ngekhadi lembuyiselo esitolo, iphesenti lalezi zindleko lizobuyiselwa ekhadini lakho. Ibhange libuyisela le mali kuwe, hhayi izitolo, futhi lokhu likwenzela ukuthi ikhadi ulisebenzise kaningi. Iqiniso liwukuthi ibhange lihola imali ngokuthengiselana kwakho ngakunye futhi likulungele ukwabelana ngengxenye yale nzuzo ukuze usebenzise ukheshi izikhathi ezimbalwa. Imbuyiselo yemali ingahluka, kuye ngekhadi okhokha ngalo. Kwesinye isikhathi amabhange abuyisa amabhonasi angasetshenziswa ezitolo ezithile kuphela. Noma amaphuzu angasetshenziswa ukunxephezela ukuthenga okuthile kuphela. Imbuyiselo yemali iphinde yenzeke ngama-ruble, isibonelo, ngekhadi le-Tinkoff Black. Ngokusho kwayo, kanye ngenyanga, ibhange libuyisela u-1% wezindleko zakho ngama-ruble abukhoma njalo ngenyanga. Ungawachitha ngokubona kwakho.
Kodwa u-1% akuwona umkhawulo ongawuthola ekhadini. Iklayenti ngalinye futhi linezigaba ezintathu zokubuyiselwa kwemali okwenyukile, ezingakhethwa ngokuzimela. Phakathi kwazo kukhona "Izitolo ezinkulu", "Izingubo", "Indlu / ukulungisa", "Izindawo zokudlela", njll. Ngokuthenga kulezi zigaba, ibhange lizokubuyisela imali engu-10% ekuthengeni ngakunye.
Imbuyiselo emnandi kakhulu ingatholwa ngokuthengwa kozakwethu bebhange. Phakathi kwazo kukhona amanethiwekhi amakhulu afana ne "Carousel", "Crossroads", "Pyaterochka" ne "Auchan". Ngokusho kwezipesheli, ukubuyiselwa kwemali kufinyelela ku-30%, futhi kulezi zitolo kwenzeka esifundeni se-10-15%. Ukubuyiselwa kwemali kozakwethu kuhlanganiswe nokubuyiselwa kwemali okuvamile, ukuze ngokuhlanganiswa okuphumelelayo kwezimo, ukwazi ukonga kufika ku-20% yenani lokuthenga.
Imaphi amanye amabhonasi ikhadi le-Tinkoff Black elinawo?
- U-10% wamukelekile ukubuyiselwa imali esigabeni esithi "Izitolo ezinkulu" kuze kufike kuma-ruble ayi-1000.
- Ikhodi yephromo yesaphulelo esingu-5% ezitudiyo zokupheka zika-Yulia Vysotskaya.
- Ithuba lokuwina enye yezincwadi ezinhlanu zikaYulia Vysotskaya "Delicious Year".
- Ukuhoxiswa kwemali kwamahhala kunoma imaphi ama-ATM emhlabeni kusuka kuma-ruble angama-3000.
- Ukudluliselwa ngaphandle kwekhomishini kumakhadi amanye amabhange kuze kufike kuma-ruble angama-20,000.
- 6 % ngonyaka kwibhalansi ye-akhawunti.
Ungathola ukubuyiselwa kwemali okwamukelekile, isaphulelo ekilasini elikhulu futhi ubambe iqhaza ekudwebeni kwencwadi kaYulia Vysotskaya ngokulandela isixhumanisi.