UKUQHUMA kwesililo kubantu bezitokofela ababanjwa inkunzi kuyinto ejwayelekile futhi esihlale ilindelekile ngalesi sikhathi sonyaka.
Nakuba abantu behlale bexwayiswa ngokuba bavule amehlo, baqaphe ngeso lokhozi amasela, kodwa minyaka yonke kuhlale kukhalwa ngayo le nkinga yabantu abaqolwa imali yabo yizigebengu. Yize kunezitokofela ezinhlobonhlobo, futhi zehlukaniswa ngezikhathi ezingefani onyakeni, kodwa izitokofela eziningi zehlukaniswa ekupheleni konyaka. Lezo zitokofela zibandakanya okwehlukaniswa kuzo imali nalezo zokudla.
Abahlinzeki bosizo lwemali abasemthethweni njengamabhange, minyaka yonke bahlale beshumayela ivangeli elilodwa, bewexwayisa umphakathi ukuba ungabi budedengu ngokuphatha imali ikakhulukazi ngalesi sikhathi njengoba amasela asuke ethe chithi saka.
Abantu kuzodingeka ukuba baqaphele futhi bacophelele
Namaphoyisa ayaye awexwayise umphakathi ukuba uqaphele kakhulu, ugweme ukuphatha imali ngendlela edoba otsotsi. Nakuwo lo nyaka kusaqhutshekwa nokugqugquzela umphakathi ukuba ucophelele, ikakhulukazi labo bezitokofela. NgoLwesithathu, uNkk Cebile Magongo, oyiStrategic Business Manager kwaFNB Cash Investments, ukhiphe isexwayise kulabo abazokwehlukanisa izitokofela. Uthi abantu kuzodingeka ukuba baqaphele futhi bacophelele kakhulu.
Ngokusho kukaNkk Magongo, abantu abasuke behlukanisa izitokofela baba yinyama ezigebengwini ngoba zisuke zazi ukuthi zizodla kahle kubo. Uthi lokhu kusho ukuthi kumele bahlale bevule amehlo ngaso sonke isikhathi.
Izigebengu zihlale ziqhamuka namaqhinga athe thuthu
Uthi kumele abantu bazi ukuthi izigebengu zihlale ziqhamuka namaqhinga athe thuthu ngokwezinga uma zizingela abantu bezitokofela.
“Lokhu kudinga ukuba baqaphe kakhulu lapho abahlukaniselana khona imali futhi bethenga ezitolo nakwi-inthanethi,” kusho uNkk Magongo.
Uqhube wathi abantu kufanele baqaphele ukuba bangabi yizisulu zomkhonyovu owenziwe yizigebengu ngokushayela abantu izingcingo nokubathumelela imiqhafazo okuba sengathi ivela emabhange noma kwamanye amalungu esitokofela.
Kungcono ukwaba imali yamalungu ngezindlela zedijithali
Ubalule izinto ezisemqoka kakhulu athi kumele abantu baqikelele ukuzigwema futhi bazibheke – okuyilezi:
- Uphakamisa ukuthi abantu bangayi ebhange bayokhipha isamba semali ewukheshi uma sebehlukanisa. Uthi indlela engcono wukuba imali yabiwe ngokuba ithunyelwe kubaniniyo ngezindlela zedijithali, njengokuthi ithunyelwe kuma-akhawunti amalungu esitokofela. Lokhu ngeke kugcine nje ngokuvikela abantu ebugebengwini kodwa futhi kungabongela imali yezinhlawulo zebhange (bank charges).
- Uthi kungaba yisu elihle ukuthi emhlanganweni wokugcina wesitokofela kube yilapho imali icazwa khona ngakho ukusebenzisa izindlela zobuchwepheshe bedijithali – kuthi wonke umuntu ephuma kulowo mhlangano imali ibe isingenile kwi-akhawunti yakhe.
- Weluleka nangokuthi mayigwenywe indaba yokumenyezelwa kosuku lomhlangano okusuke kuzohlukaniswa ngalo imali. Uthi kakufanele kutshelwe ngisho izihlobo noma abangani.
- Uthi abantu mabakugweme ukuhamba bephethe imali enkulu ngalesi sikhathi sonyaka. Uma kunesidingo esiphoqayo uthi kungafanele bahambe beyiqoqo.
- Ukukhishwa kwemali emshinini yasebhange uthi kumele kwenziwe ngezikhathi zomsebenzi, ibhange lisavuliwe. Futhi kusetshenziswe imishini lapho kusuke kuqaphe khona onogada, hhayi noma yimiphi imishini. Ngokusho kwakhe, kungaba yiqhinga elikahle futhi ukuthi imali ingakhishwa yonke ngosuku olulodwa.
- Makugwenywe ukukhishwa kwemali ngezinsuku ezimatasa kakhulu, ezingaba nobungozi njengosuku lokuphela kwenyanga, noma ngosuku olwandulela iholidi elikhulu.
Uthi uma abantu bangahlale beqaphile, baqikelele ukuthi kababi yizisulu zezigebengu, bangaba namaholidi amnandi.
Ugqugquzele nokuthi abantu bangayidli yonke imali, kodwa bayibekele nezindleko zonyaka olandelayo.
