Kunomvuzo ukusebenzisa umeluleki wezemali

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KuvamisILe ukuzwa abantu esibabona befanele ukuba nabeluleki bezemali bethi bona basebenzisa izeluleko ezingache-mile kwezemali abazithola kuba-ngani babo noma kubantu abathi banolwazi lwezemali kodwa abangaqeqeshelwe lo msebenzi.
Uma umuntu engaqeqeshiwe wagogoda kwezokweluleka ngezemali, angeke waba nesiqiniseko sokuthi kulowo muntu uthola ulwazi nezeluleko ezikulungele wena .
Ngakho-ke singakusho kugcwale umlomo ukuthi akuyena unoma ngubani onolwazi lokweluleka ngezemali.
Ukwenza isibonelo nje, angeke uyocela umngani wakho ukuba akuhlinze inhliziyo ekubeni engeyena udokotela wenhliziyo oqeqeshelwe lowo msebenzi. Manje-ke kungani uma kuziwa kwezemali ugwema ukufuna izeluleko zobungcweti kumeluleki wezezimali?
Kunalokho abantu bakhetha ukuthola izeluleko kubangani abangenalo ulwazi olufanele. Awukwazi ukuthatha konke okushiwo ngumngani wakho ongagogodile ngokweluleka ngokwezezimali.
Yize umngani engaba nomqondo omuhle ngokungakusiza, kodwa ngumeluleki ofanelekileyo onga-kwazi ukukunikeza ulwazi nobungcweti okuzokusiza ukuba wenze inzuzo ngemali yakho. Sizobheka izinkoleloze abantu abanazo ngendima edlalwa ngu-meluleki wezezimali.

  • Abeluleki bezemali abazi
    ukuthi inzuzo yotshalomali lwami
    izobangakanani

    Kuyiqiniso elimsulwa ukuthi umeluleki wezemali akazi ukuthi inzuzo ozoyenza ngotshalomali lwakho ingakanani.
    Abatshalimali abaningi bafika kumeluleki wezemali sebenesi-thombe sokuthi bafuna ukwenza inzuzo engakanani.
    Nokho lokhu kuncika ekutheni unjani umlando wesikhwama, utshalomali lumi kanjani kubhe-kwa nezinombolo eziba nomthelela kutshalomali.
    Iqhaza lethu njengabeluleki bezezimali kungukunikeza isitho-mbe ngenzuzo ongayenza ukuze ufinyelele kulokho ozibekele khona.
    Lapho-ke siyaye sibheke izidingo onazo, isikhathi, izimpahla onazo kanye nengcuphe okuyo ngokwezemali, nokunye okuthinta isimo sakho semali okungaba nomthelela kwinzuzo yakho.
    Kubaluleke kakhulu ukuqonda ngenzuzo oyifisayo kanye nenzuzo ongahle uyithole uma kuziwa eku-hleleni izimali.
  • Ngidinga umshwalense kuphela kumeluleki wezezimali

Izindaba zakho zemali zibaluleke ngaphezulu kokuba nomshwale-nse. Umsebenzi wokuqala wabeluleki bezemali wukwazi isiqu somuntu.
Ukweluleka ngokwezemali ku-hlanganisa yonke into ngomuntu, kanti kuwuhlelo oluhlanganisa izifiso zakho empilweni kanye nempendulo kwezemali ezokwelekelela ekutheni ufinyelele ezifisweni zakho.
Amakhasimende amaningi afuna ukwazi ukuthi;

  • Angayilondoloza kanjani imali yokufundisa izingane zawo?
  • Ngabe alondoloze imali eyanele uma esezothatha umhlalaphansi?
  • Kuzokwenzakalani ezinganeni zabo uma bengasekho?
  • Angayivikela kanjani imali ayiholayo uma kwenzeka edilizwa emsebenzini okanye ekhubazeka?

Umsebenzi womeluleki weze-mali wukuba yisikhulu esiphezulu sezemali sempilo yakho. Lo msebenzi uqhubekela ekutshalweni kwemali, ukuhlelwa kwamafa, umhlalaphansi kanye nokuhlelela ingcuphe esimweni sezemali.

  • Abeluleki bezemali abakwazi
    ukukukhethela izabelo

Kuyiqiniso ukuthi abeluleki bezemali abasibona abadayisi bezabelo (stock-brokers) noma amalungu ezikhwama zotshalomali.
Le nkoloze idalwa wukuthi aba-ntu bayaye bathathe ngokuthi umeluleki wezemali uyinto efanayo nomthengisi wamasheya noma ilungu lesikhwama sotshalomali. Lokhu kuyiphutha elikhulu.
Abeluleki bezezimali basebhizi-nisini lokuguqula ubudlelwane onabo nemali yakho bese behla-nganyela nabanye ongoti emkha-kheni wezemali ukuze uhlelo onalo ngemali yakho lube yimpu-melelo.
Ukwenza isibonelo nje; uma udokotela wakho ekholwa wukuthi udinga ungoti ozokuxilonga, aphenye noma akwelaphe, uku-dlulisela esibhedlela ukuze ubonwe wochwepheshe.
Kanjalo nabeluleki bezemali, bayaye bahlanganyele nabanye ongoti embonini yezemali ukuze baqinisekise ukuthi imali yakho ihle-lwa ngokwezidingo zakho.

  • Udinga umeluleki
    wezezimali uma unemali eningi kuphela

Uhlomula ekusebenziseni umeluleki wezemali ngoba unezinhloso ofuna ukuzi-feza, hhayi ngoba unemali eningi.
Kungenzeka ukuthi ucabanga ukuthenga umuzi, ukuqala umndeni, ukuhambela amazwe omhlaba nanoma ngabe yini eyinjongo yakho.
Okusemqoka wukuthi zonke lezi zinjongo, zidinga ucezu lweholo lakho, ngakho-ke ukuhlela izinto ezisemqoka kanye nomeluleki wakho bese uhlela indlela olondoloza ngayo kungaba yinto eseqhulwini.

  • Abeluleki bezemali
    bangikhokhisa imali ngolwazi
    engingaluthola mahhala

Singasho ukuthi abantu bayaye bathathe izeluleko kubangani ukunokuya kumeluleki wezemali oqeqeshiwe ngenxa yezindleko eziza nokusebenzisa ulwazi lomeluleki.
Yize umngani wakho engeke aze akukhokhise, ungahle ube sebu-ngozini bokulahlekelwa yimali engaphezulu kwezindleko ozikho-khela umeluleki wezezimali oqe-qeshiwe.
Umsebenzi womeluleki weze-mali oqeqeshiwe wukuqikelela ukuthi uyahlomula kutshalomali lwakho ngaphezulu kwezindleko ozikhokhela yena umeluleki.

  • Ukwelulekwa ngokwezezimali kwenza umehluko

Uzodinga umeluleki wezemali ongachemile ngenxa yalezi zathu ezilandelayo;

  • Udinga ukwelulekwa okuzi-mele uma uthenga izabelo okanye utshala imali;
  • Udinga ukwelulekwa ngoku-ngachemile uma uhlela umhlala-phansi wakho noma uma ukhetha izinhlelo zomshwalense wezempilo
    Buningi ubufakazi obuveza ukuthi kunabantu abehlulekayo uku-hlelela nokulondolozela ukuya empeshenini, ngenxa yalokhu aba-kwazi ukuthenga izabelo futhi baphinde behluleke ukubheka ezinye izinhlelo zokulondoloza imali.
    Yize kungewona wonke umuntu odinga ukwelulekwa ngokwezemali, kepha odinga uhlelo lwezemali uyadinga ukwelulekwa.

Owen Senzangakhona Nkomo
we-Inkunzi Group