Momwe mungasankhire khadi yabwino yopuma pantchito

Kusankha Khadi labwino kwambiri la kirediti kadi Kungakhale chisankho chovuta pa msinkhu uliwonse. Izi ndi zoona makamaka poganizira makadi oyendayenda opuma pantchito. Ngakhale khadi loyenera loyenda litha kukuthandizani kuti mupeze malo oyendera aulere ndikuwongolera momwe mumayendera, yolakwika imatha kutsitsa mwachangu ndikukusiyani pansi kwa miyezi kapena zaka.


woyenera – woyenera

Kupuma pantchito kumayenera kukhala nthawi m’moyo momwe mungathere kupsinjika ndikusangalala ndi zipatso za ntchito yanu. Njira yabwino yowonetsetsera kuti mungathe kuchita izi ndikusankha njira zachuma zomwe zikugwirizana ndi vuto lanu. ndi ambiri Zosankha Zamakhadi Oyenda Zopezeka, nawa maupangiri ndi malingaliro oyenera kukumbukira posankha zomwe zili zoyenera kwa inu.

N’chifukwa chiyani mukufunikira khadi laulendo kuti mupume pantchito?

Kunyamula ndalama, makamaka m’malo osadziwika, kumatha kuonedwa ngati khalidwe loopsa kwa aliyense – koma lingakhale loopsa kwambiri m’tsogolomu. Malinga ndi kafukufuku, achiwembu ndi zigawenga amalimbana ndi achikulire ndi alendo kuposa achinyamata. Monga onse awiri, chingakhale chanzeru kupeza ndalama zoyendetsera ulendo wanu ndi khadi yosinthira mosavuta m’malo mokhala ndi chikwama chodzaza ndi ndalama. Izi sizikuteteza chikwama chanu chokha, komanso kwa inu monga munthu. Tangoganizirani zoopsa zomwe mungabweretse poponya ndalama zambiri kumalo osadziwika.

Chifukwa china chofunika kunyamula ulendo mphoto mphoto kirediti kadi ndi kuti ambiri a iwo adzakupatsani mphoto kwa ndalama ndi njira zolipira. Izi zitha kuwonjezera zopindulitsa, zomwe zikutanthauza zosangalatsa zambiri pamaulendo anu. Kukhala ndi khadi kumakupatsani mwayi wopeza ndalama zambiri ndikuwonjezera kuchuluka kwa ndalama zanu, zomwe ndizofunikira kwambiri mukamasangalala ndi moyo wopanda bajeti.

Kusankha khadi yabwino kwambiri yopuma pantchito

Pali mazana a makadi oyendayenda omwe mungasankhe, kotero musachite manyazi ngati mukulemetsedwa poyamba. Lingaliro lanu loyamba lingakhale kusankha dzina loyamba la khadi lomwe mumazindikira ndikulisewera mwachimbulimbuli, koma Uku kungakhale kulakwitsa!

Pali malangizo ndi zidule zambiri zomwe mungagwiritse ntchito Sankhani khadi yabwino kwambiri yoyendera pakupuma kwanu, ndipo ndalongosola pansipa kuti muyambe.

Langizo #1: Yambani posankha pakati pa khadi yokhala ndi dzina limodzi ndi khadi yoyendera.

Eni makhadi ena amavutika ndi funso la chifukwa chake amafunikira khadi la ngongole poyenda. Kodi khadi lomwe adagawana nawo silokwanira? Pansipa, ndikufotokozerani kusiyana kwake kuti ndikuthandizeni kumvetsetsa bwino.

Makhadi okhala ndi chizindikiro

a Co-brand khadi Ndi kirediti kadi yoperekedwa ndi mtundu winawake womwe umapereka phindu lalikulu likagwiritsidwa ntchito polipira malonda ndi ntchito za mtunduwo. Mwachitsanzo, ambiri aife tili ndi makhadi angongole a Amazon kapena Walmart omwe amatipatsa mwayi wopeza kuchotsera ndi maubwino ena apadera tikagula kuchokera kumakampani amenewo. Ngakhale makhadiwa amapereka maubwino ambiri, nthawi zambiri zimakhala zomveka kuwanyamula poyenda ngati zosowa zanu zonse zoyenda zitha kuperekedwa ndi mtundu womwewo.

Mungopeza mapointsi pamakadi awa pogula zomwe mwagula kudzera mumtunduwo. Chifukwa chake, ngakhale mutapeza khadi la Delta SkyMiles Reserve lingakupindulitseni pogula matikiti a pandege, mudzataya ndalama zopezera zinthu monga chakudya, malo ogona, ndi zokumana nazo panjira.

makhadi oyendayenda

M’malo mokupatsani mphotho chifukwa cha kukhulupirika kwa mtundu, khadi yoyendera ikupatsani mphotho ndi mphotho pazogula zonse zokhudzana ndiulendo, zomwe zimayang’ana kwambiri pagulu limodzi kapena angapo ogula maulendo. Ngati mukufuna kuwononga nthawi yambiri mukuyendetsa galimoto, pezani chiphaso chapaulendo chomwe chimakupatsani mphotho chifukwa chogula mafuta ndi kukadyera. Kodi ndinu okonda mahotela apamwamba? Chifukwa chake, khadi yomwe imakupatsirani mphotho yokhala kuhotelo – mosasamala kanthu za mtundu wa hotelo – ndiyoyenera kwambiri pamikhalidwe yanu.

Pokhala ndi chidziwitsochi, tsopano mukudziwa ngati khadi lanu lodziwika bwino likugwirizana ndi zosowa zanu monga momwe mungafunire. Nthaŵi zambiri, khadi laulendo ndilo njira yanzeru kwambiri.

Langizo #2: Dziwani zolipirira ndi njira zochepetsera.

Anthu ambiri amakopeka ndi kuchepetsa ndalama zapachaka pazifukwa zodziwikiratu. Lonjezo la “kusalipira pachaka” ndilokopa kwambiri mukamayang’ana zotsatsa zamakadi oyendayenda. Ndizofunikira kudziwa kuti makhadi ambiri omwe sapereka chindapusa chapachaka amakhala opikisana pazabwino komanso zopindulitsa monga momwe amachitira, koma zopindulitsa ndi zopindulitsa zimatha kusiyana. Apa ndipamene muyenera kuyang’anitsitsa zosowa zanu payekhapayekha pazomwe mukufuna kuchokera ku Pangano la Osunga Khadi Loyenda.

Dera limodzi la kafukufuku, makamaka m’makhadi oyenda kwa anthu opuma pantchito, nthawi zambiri silimanyalanyazidwa, zomwe ndi mtengo wa alendo. Malipiro otumizira. Izi zimagwira ntchito nthawi iliyonse khadi lanu likagwiritsidwa ntchito kunja. Makampani ambiri amakadi amalipira mtengo wa magawo atatu kapena asanu pakuchita malonda akunja. Komabe, makhadi ena amachotsa izi monga mbali ya malipiro awo apachaka. Mungapeze kuti kulipira ndalama zapachaka kudzakuthandizani kwambiri m’mikhalidwe imeneyi, makamaka ngati mukufuna kuthera nthaŵi yochuluka kunja kwa dziko.

Ganizirani za nthawi yomwe mukufuna kukakhala kunja komanso kuchuluka kwa ndalama zomwe mukufuna kuzigwiritsa ntchito mukakhala kumeneko. Kodi chimakuthandizani kwambiri ndi chiyani? Palibe chindapusa chapachaka, koma 3% chindapusa chakunja, kapena $ 100 pachaka popanda chindapusa chakunja? Apa ndipamene mukufuna kupeza chowerengera ndikugwiritsa ntchito luso lanu la masamu!

Langizo #3: Osaiwala malingaliro awa opuma pantchito.

Mukamagula khadi lililonse lopuma pantchito, pali zinthu zingapo zomwe muyenera kuziganizira. M’zaka zanu zomaliza maphunziro, kumanga ngongole sikofunikira kwambiri monga kusunga ngongole ndi bajeti yomwe mwakhazikitsa kale. M’malo mwa mwayi womanga ngongole, yang’anani pazovuta za izi zomwe nthawi zambiri zimanyalanyazidwa ndi makhadi oyendayenda okalamba.

Zopindulitsa zina zimakhala ndi malire a zaka

Chitsanzo cha phindu limodzi lomwe limatha ndi zaka ndi inshuwalansi yaulendo. Makhadi ambiri oyendayenda amapereka inshuwaransi yachipatala, koma zomwe sangakuuzeni ndikuti phindu ili silikugwira ntchito kwa eni makhadi omwe adutsa zaka zopuma pantchito.

Inshuwaransi yachipatala yoyendayenda ndi chinthu chomwe mumafuna nthawi zonse kuti muwonetsetse kuti mumadutsa njira imodzi kapena ina. Zimakuthandizani ngati mukudwala kapena kuvulala paulendo wanu, ngakhale inshuwaransi yanu yazaumoyo sipereka chisamaliro chofunikira chifukwa mwapita kutali.

Kwa aliyense amene akufuna kuwononga nthawi yochuluka akuyenda, iyi ndi mbali imodzi yomwe muyenera kuyang’anitsitsa musanasaine pamzere wamadontho.

Makhalidwe a ndalama akusintha

Ganizirani izi – simukugwiritsa ntchito ndalama zanu monga momwe munachitira zaka makumi awiri zapitazo. Mutha kukhala ndi mausiku ochepa m’makalabu komanso nthawi yochulukirapo kuti musangalale ndikuyenda komanso moyo wongokhala. Mukhozanso kukhala ndi bajeti yochepetsetsa panthawi yopuma pantchito kusiyana ndi pamene mukugwirabe ntchito.

Pezani khadi lomwe limakupatsani mphotho pazogula zomwe mumakonda kugula tsopano popeza mwapuma pantchito, ndipo samalani kwambiri ndi zosowa zanu za bajeti mukamachita izi. Pezani khadi yokhala ndi chiwongola dzanja ndi mfundo zolipirira zomwe mungagwiritse ntchito. Makhadi okhala ndi ndalama zambiri zobweza ndalama pazogula zomwe mumagula amawonjezera bajeti yanu, choncho musawanyalanyaze popanga chisankho.

Musakopeke ndi mbedza zomwe makampani opanga makadi amataya poyembekezera kukopa achinyamata. M’malomwake, ganizirani zimene zili zofunika kwambiri pa moyo wanu. Pochita izi, simukungodziteteza ku zovuta zina komanso tsogolo lanu lazachuma.

Langizo #4: Samalani kwambiri ndi mapulogalamu a bonasi ndi mphotho

Tonse tikudabwa Big Sign Up Bonasi Ndipo zolandilidwa, makamaka makadi ena akapereka phindu lofikira $2,500 m’miyezi ingapo yotsegulira akaunti. Ngakhale mabonasi akuluakulu olandiridwa ali ndi zambiri zoti achite, ndikofunikira kuti muwonetsetse kuti mutha kukwaniritsa zofunikira zonse kuti mupeze bonasi ndikupindula kwambiri ndi mabonasi onse omwe khadi yabwino yoyendera ikupereka.

Langizo #5: Fananizani mapindu aulendo a khadi lililonse motsutsana ndi chindapusa chawo chapachaka

Nthawi zina, tikamagula khadi latsopano, timapeza kuti tikuchotsa chindapusa chomwe chikuwoneka kuti ndi chokwera pachaka chokhudzana ndi mitundu ina yamakhadi oyambira. Tiyerekeze kuti inu ndi mwamuna kapena mkazi wanu mumauluka katatu pachaka ndi Sunquest Airlines. Mudzalipira $100 kuti mulowe mubwalo la ndege nthawi iliyonse mukawuluka. Mulinso ndi chidwi cholembetsa ku TSA Pre-Check, yomwe imapanganso $85 pachaka pa munthu aliyense, pafupifupi $34 pachaka kwa nonse. Izi zimawonjezera mwachangu mpaka $334 pachaka m’chipinda chochezera komanso chindapusa chowoneratu.

Komabe, ngati mukuyenera kulandira Khadi la GlobeTrotter, mumangolipira $ 150 pachaka ndi mwayi wofikira pabwalo la ndege komanso kulembetsa kwa TSA Precheck kumaphatikizidwa ndi mwayi wamakhadi. Kodi sikuli kwanzeru kusunga $184 pachaka polipira malipiro apachaka a kirediti kadi m’malo mwake?

Makhadi oyendayenda amapereka zinthu zambiri monga izi zomwe zimakhala zopindulitsa kwa eni ake. Ubwino woti mufufuze ndi:

  • TSA Precheck kapena Global Entry Benefits
  • Kukweza kwa Elite mu hoteloyi
  • inshuwaransi yaulendo
  • Kulowera kumabwalo a ndege
  • Malipiro apachaka a hotelo
  • Malo owulukira pafupipafupi
  • Kukwera koyamba, katundu wosungidwa kapena mwayi wina wandege

Kumbukirani, khadi yabwino kwambiri yopuma pantchito ndi yomwe ingakuthandizireni bwino chifukwa cha zabwino zake. Ngakhale kuti chiwongola dzanja ndi malire ogwiritsira ntchito ndizofunikanso, musalole kuti zisokoneze mapindu ena omwe angaperekedwe ndi ndondomeko yomwe ikuwoneka yodula kwina kulikonse.

Langizo #6: Kumbukirani kuti muyenera kugwiritsa ntchito ndalama zochepa

Mukayang’ana khadi laulendo, muyenera kusamala ndi ndalama zomwe mumagwiritsa ntchito musanathe Landirani bonasi yolembetsa. Makampani ambiri amagwiritsa ntchito njira yotsatsa iyi kuti apeze makasitomala atsopano, koma ikhoza kuvulaza kwambiri kuposa zabwino.

Mwachitsanzo, tiyerekeze kuti mumakonda Platinum Card yochokera ku American Express, yomwe imakupatsirani Mphotho za Amembala 100,000 mutawononga $6,000 m’miyezi isanu ndi umodzi yoyambirira. Izi zimafuna kuti muwononge ndalama zokwana $1,000 pamwezi. Komabe, ngati mumangowononga pafupifupi $800 pamwezi pakugula kwa kirediti kadi pafupipafupi, izi zikutanthauza kuti kuti mupeze mphotho, muyenera kuwononga $200 pamwezi m’miyezi isanu ndi umodzi yoyambirirayo – 20% kuposa momwe mumawonongera pamwezi.

Ngati simungathe kugwiritsa ntchito ndalama zowonjezera kapena kukumana ndi vuto ladzidzidzi lomwe limakupangitsani kuti mugwiritse ntchito ndalama zochepa kuposa nthawi zonse, mwina simungalandire nkomwe mphothoyo. Uku kungakhale kutaya nthawi ndi ndalama chifukwa bonasi yolandirira ndi imodzi mwazinthu zazikulu zomwe mwina mwalembetsa. Chifukwa chake, nthawi zonse onetsetsani kuti mutha kukwaniritsa zofunikira zomwe mumagwiritsa ntchito musanalembetse khadi yatsopano.

pansi

Mwachidule, kusankha kirediti kadi yabwino paulendo wopuma pantchito ndikofunikira chifukwa chachitetezo chomwe chimakhudzidwa ndi kusanyamula ndalama. Koma izi zimagwiranso ntchito pa kirediti kadi iliyonse, osati makhadi oyenda okha. Muyeneranso kuyang’ana khadi laulendo lomwe limakwaniritsa zolinga zanu moyenera. Khadi loyenera loyenda kwa inu ndi lomwe limapangidwira kangati mukufuna kuyenda, mapindu omwe mungapindule nawo panjira, komanso momwe mukulolera ndikutha kulipira ndalama ndi chiwongola dzanja pakapita nthawi.

Tengani nthawi yanu popanga chisankhocho ndipo gwiritsani ntchito nthawiyo kufananiza zopindulitsa, mphotho, mitengo, ndi zosindikiza zabwino. Poganizira malangizo awa, muyenera kupanga chisankho chodziwitsidwa komanso chodziwitsa za tsogolo lanu lazachuma komanso zoyeserera zanu. Ulendo wabwino!

Cholemba chamomwe mungasankhire khadi yabwino kwambiri yopuma pantchito chinawonekera poyamba pakukula.

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