EZOMNOTHO:
UHAMBISANA nesimo semali esiwumqansa umasingana (January) kubantu abaningi ngenxa yokuthi imali isuke isetshenziswe ngokweqile ngamaholide, kanti nezindleko zonyaka omusha ezifana nemali yesikole, umfaniswano nezincwadi zidala ingcindezi enkulu.
Abanye abantu basuke besheshe bahola ngasekuqaleni kukazibandlela (December), kanti abanye abatohozayo njengasezinkontilakini basuke bevalile emsebenzini, abanye bengezokulithola iholo ngesikhathi bevalile. Konke lokhu kwenza ukuba umasingana ubonakale uyinyanga edonsayo ngokweqile uma kuqhathaniswa nezinye izinyanga.
Unkk Ester Ochse, oyiproduct Head kwafnb Integrated Advice, uqwashisa abantu ngezinto abangazenza ukumelana nesimo esinzima ngomasingana.
SEBENZISA IMIHLOMULO
Unkk Ochse uthi yisikhathi esingcono kakhulu lesi sokusebenzisa imihlomulo ejwayele ukutholwa ngabathengi emabhange njenge-ebucks asefnb, ezitolo ezinkulu nasemagaraji. Uthi le mihlomulo kuhle isetshenziswe ezintweni ezibalulekile kunokuba imoshwe ezintweni ezingekho mqoka.
“Isibonelo, ngama-ebucks ungathenga amavawusha akwacheckers, futhi ungakwazi ukuthenga okuthile okubalulekile okufana nophethiloli.”
ZIFUNDISE UMKHUBA WOKUPHATHA KAHLE IMALI
Ukuqala konyaka omusha njalo kuza nezinqumo zonyaka omusha. Unkk Ochse uthi lesi yisikhathi esihle kakhulu sokuthi kulezo zinqumo zakho zonyaka omusha, ungakhohlwa wukufaka nohlelo ozolusebenzisa ukwenza ngcono isimo sakho semali.
Uthi isibonelo mayelana nesinqumo sokwenza ngcono isimo semali, kungaba wukuthi uma uya emsebenzini uphathe ukudla okuthathe ekhaya kunokuba udle ezitolo njalo nje. Uqhuba athi cwaningisisa izinto osebenzisa kuzo imali, ubheke ukuthi yiziphi ezingabalulekile onganciphisa kuzo izindleko.
BHEKA IZIPESHELI
Unkk Ochse uthi imvamisa uma kuphela amaholide kancibijane, izitolo ezinkulu ziba nezipesheli futhi zibonelele abathengi ezintweni ezithile. Ugqugquzela abathengi ukuba bazisebenzise lezi zipesheli ukuthenga izinto ezibalulekile.
BUYEKEZA UBULUNGU
BAKHO EZINDAWENI EZITHILE
Uma unobulungu basezindaweni ezithile njengasejimini, nakwezinye izindawo, unkk Ochse uthi ukuqala konyaka yisikhathi esikahle sokuhlolisisa lobo bulu-ngu obukhokhela imali. Nokho uthi kasikho isidingo sokubunqamula ko-dwa ungacela ukubumisa inyanga eyodwa nje ukuze wonge imadlala, bese uqhubeka enyangeni elandelayo.
Ephetha unkk Ochse uthi empeleni kakufanele ukuthi umasingana ube yisikhathi esinzima uma umuntu ehlele kahle izinto. Uthi unyaka ungawuqala kahle uma uhlele kahle.