EZOTHANDO:
IMALI ingawuxova umshado wababili futhi ungagcina uphele nya ngenxa yayo. Eqinisweni kuyimanje baningi abantu ababhedelwa yizinto emshadweni ngenxa yenkinga yesimo sezimali.
Le nkinga yemali ayoni kuphela imishado kodwa inomthelela ngisho ebudlelwaneni obusesigabeni esiphansi kakhulu.
Ukulwa ngendaba yezimali ebudlelwaneni kuqeda amandla ebudlelwaneni. Kubikwa ukuthi le ndaba ingenye yezinto eziyinkinga kakhulu ebudlelwaneni njengoba abantu abaningi abasuke bebhekene nengcindezi baye babike izinkinga zemali ukuthi yizona ezibaxake kakhulu.
Phambilini, ngokombiko oke washicilelwa yi-institute for Divorce Financial Analysis, u-22% wezehlukaniso imbangela yazo kusuke kuyizinkinga zemali, okwenza le nkinga ibe ngeyesi- thathu kweziseqhulwini eziholela esehlukanisweni. Nokho-ke kuthiwa kungcono inkinga niyigweme ingakahlaseli ngoba yaze yanikhungatha ngesinye isikhathi kuba nzima ukubhekana nayo.
Nazi ezinye zezinto okuthiwa abashadileyo bangagwema ngazo le nkinga:
1. MUSA UKUZICUPHELA UMGOGA
Kubikwa ukuthi inkinga yezimali ingaqala ngesikhathi nje kusahlelwa umshado. Abanye abantu baye bahlele indumezulu yezizumbulu zemali abangenayo, bathembe ukwetsheleka, kuyaba uyedlula umshado lezi zikweletu abazenzile sezibami entanyeni, iqale inkinga.
Khumbula ukuthi njengoba besuke bezifake esikweletini sokuhlelela umshado basuke bevele benezinye nje eziseceleni njengese- credit card, mhlawumbe ngesemoto, ngese- bond njalo njalo, okusho ukuthi uma usufaka nesobucwazicwazi bomshado kuyacaca ukuthi impela basuke sebengene shi bevele ngekhanda.
2. PHUMELA OBALA NGENKINGA YAKHO
Enye indaba okubikwa ukuthi isusa inkinga ebudlelwaneni yile yokuba uthule kanti uvalele ngaphakathi imfihlo enkulu
yokuthi uxakwe zikweletu. Ongoti bathi ngaphambi kokuba nibophe ifindo likasofa silahlane nesinqandamathe sakho, kufanele nakanjani nikhulume ngesimo senu sezimali, nakuba kungeyona indaba elula lena kodwa isemqoka kakhulu.
Phumela obala ngezikwe- letu onazo, yizimali ozitshale ndawona thizeni, yimithombo othola kuyo imali, ngabantu abangaphandle obondlayo noma obanakekelayo, nazo zonke izinto obhekene nazo ezidinga imali.
Baningi abantu abaye babhekane nombuzo othi “kanti wena uyenzani imali” - lokho phela kudalwa yikho ukuthi imali usuke uyisebenzisa esithe, kungacaci ukuthi ishonaphi.
3. MAKUBE NEBHAJETHI
Lena yindaba enkulu-ke ehlale ishumayelwa njalo kubantu, ukuthi ukuba nebhajethi kusemqoka. Empeleni kuthiwa akufanele engabe kukhona imali esebenza ingahlelelwe. Le nkinga yokungazijwayezi ukwenza uhlelo lokusebenzisa imali kuye kuthiwe ibhekene kakhulu nendlu emnyama, kanti yiyo phela eholela ekubeni abantu bagcine bengene shi ezikweletini. Ukusebenzela phezu kwebhajethi kubikwa ukuthi kungagwema izinkinga zezimali emshadweni.
4. FUNANI USIZO
Usizo ningaluthola kubeluleki bezezimali, abanganisiza ekuhleleli ukusebenzisa imali eninayo ukubhekana nezindleko nezikweletu. Kuthiwa futhi ningaya ngisho kumfundisi anibonise.
*Umthombo: Forbes/investing