Ongakwenza ukugcina imali yempesheni isikhathi eside
SITSHALA NONGUBENI WEZIMALI
UNGAGWEMA kanjani ukuthi imali oyongela umhlalaphansi, ingasheshi ukuphela?
Iningi labantu elithatha impesheni libhekana nezingqinamba emva kokuya empeshenini. Enye yalezi zingqinamba, ukungajwayeli ukungayi emsebenzini, isimo sempilo ngenxa yokukhula kanti okusemqoka nokujwayelekile kubantu abathatha impesheni, ukwehluleka ukulondoloza umhlomulo wempesheni isikhathi eside.
Kungani abantu bephelelwa imali ngokushesha uma sebesempeshenini?
Lo mbuzo ulula kakhulu. Abantu abazithola besenkingeni yezimali emva kokuya empeshenini, yilabo abangatholanga ukwelulekwa ngendlela uma kuziwa ekutshaleni imali.
Ngaphandle kokuthola ulwazi, kulula ukucabanga ukuthi, umhlomulo wempesheni uzozanela zonke izidingo zempilo emva kweminyaka engu-20.
Ungazihlelela kanjani ukuze imali yempesheni ikulondoloze isikhathi eside?
Ngaphambi kokwesula emsebenzini noma uye empeshenini, kumele uqinisekise ukuthi uthola ukwelulekwa ezinkampanini ezifana ne-Inkunzi Wealth Group, egunyazwe ngokusemthethweni ukweluleka ngokwezezimali. Lokhu kuzosiza ukuthi ucabangisise kahle ngesabelo mali, izindleko zentela, ukukala ngendlela isikhathi sokuya empeshenini noma ukwesula emsebenzini, ukuhlela impilo yakho emva kokuya empeshenini nokukhetha uhlelo olukulungele lokonga imali. Ngaphandle kolwazi olwanele, kunobungozi ngenxa yokuthi ungagcina uyisebenzise ngendlela engafanele imali.
Yiziphi izinto ezisemqoka uma ngihlela izimali?
Isabelo semali yakho sibalulekile, lokhu kwenza ukwazi ukukala umhlomulo wakho wempesheni bese uqhathanisa nezidingo zakho uma usuthatha impesheni. Lokhu kusiza ukuba ube nesithombe ngemali okumele uyithole uma ususempeshenini.
Ukuhlelela intela. Lokhu kusemqoka kakhulu kanti baningi asebelahlekelwe yizinkulungwane zamarandi ngenxa yokungayihleleli intela. Kubalulekile ukuthi wazi ngalezi zindleko. Abeluleki bezezimali bangakusiza ungakasayini amaphepha okuthatha umhlalaphansi.
Ukwelulekwa ngohlelo lokuya empeshenini. Lolu hlelo lungolubalulekile kanti lunobungozi, uma ukhethe uhlelo okungelona ungazithola ulahlekelwa yimali. Umhlomulo wentela, umhlomulo wezempilo, inhlawulo yentela, zonke lezi zindleko zingancishiswa uma ukhethe uhlelo olukulungele kwasekuqaleni.
Inzuzo yemali engiyitshalile nokusebenzisa imali engiyihlomulile. Amaphesenti abuye adide, yingakho kubalulekile ukuchaza ngendlela elula. Ake sithi uno-R1million njengomhlomulo wakho uma usuya empeshenini. Kulesi sigidi samarandi, kuphuma umholo wanyanga zonke emva kokuthatha umhlalaphansi. Uma ufuna ukuthola u-R10 000 ngenyanga, kumele wazi ukuthi uzoshodelwa yimali uma umhlomulo wakho wempesheni ungakukhokheli u-R120 000 ngonyaka. Ngakho kubalulekile ukuthi imali oyitholayo ilingane nenzuzo yempesheni.
Kunezindleko oba nazo uma uya empeshenini noma uma wesula emsebenzini. Izindleko ezifana nesikweletu semoto, umuzi, uphethiloli nama-creditcard, ngezingagwemeka. Kubalulekile ukubuyekeza imishwalense onayo ukuze ungagcini ukhokha izimali ezishisiwe kwizinto ongasazidingi. Abanye abantu banemishwalense yokungcwaba emithathu ngesikhathi esisodwa, lokhu kuhlomulisa inkampani yomshwalense kuphela. Kumele sikusize ukuqinisekisa ukuthi izikweletu zikhokhwe zonke ngaphambi kokushiya emsebenzini. Umzekelo; uma ukhokha imali elinganiselwa ku-R10 000 ngenyanga kwisikweletu somuzi, uphinde ukhokhe u-R3 000 no-R2 500 uma unesamba esanele semali ukukhokha isikweletu, kusho ukuthi ungehlisa ingcindezi yesikweletu ngo R15 500 ngenyanga. Lokhu kunganciphisa ingcindezi yesikweletu.
Ziningi izinto ezidingidwayo uma uzoya empeshenini, ikakhulukazi uma ungumsebenzi kahulumeni, abeluleki ngezimali bangakweluleka kangcono mayelana nalezi zinhlelo zokuya empeshenini ukuze uthole imali yempesheni yakho ngokushesha uphinde uzitshale ukuze zikulonde isikhathi eside.
Ungaxhumana nathi e-Inkunzi Wealth Group on 087 160 0017 eThekwini noma- 087 160 0018 in eGoli. Ungasibhalela ku- invest@iwgsa.co.za, ungathumela nomqhafazo ku- 082 572 3214. Sibhalisiwe ngokusemthethweni yi-FSB.