UKUBALULEKA KOKONGA IMALI USAQALA UKUSEBENZA
KUBALULEKILE ukusebenzisa amaqhinga aphusile okugcina imali kungakhathalekile ukuthi uyaqala ukusebenza, uqashwa ngokuphelele emuva kokuba yitoho noma kade uzisebenza.
Abantu abaningi abasanda kuphuma esikoleni - beyoqala ukusebenza - kungabasiza ukusebenzisa amaqhinga aphusile okugcina inkece yabo, ukuqinisekisa ukuthi kababi nengcindezi ngenxa yemali kusasa - ngokusho kukaLynette Kloppers, oyisikhulu esiphezulu saseFirst National Bank.
Nanka amathiphu ayisi-6 kaLynette angasiza abasanda kungena emsebenzini ukuba bakwazi ukonga imali:-
Abanye abantu baqaphela sebeneminyaka beqalile ukusebenza ukuthi ngeke babe nemali eyanele ukuziphilisa uma sebethathe umhlalaphansi. Lokhu kuvame ukuholela ekubeni kube nezinto ezibadinga imali abazigwemayo ukuze bavale isikhala esingase sivuleke uma kwenzeka iphela eyempesheni yasemsebenzini endleleni.
Yize kubalulekile ukuzijabulisa uma usanda kuqala ukusebenza, kodwa qaphela ungabhubhudli imali kuze kweqe. Zama ukwahlukanisa izidingo ezimfunweni, gwema ukuphila impilo ezokushiya uvele ngokhakhayi ezikweletini.
Kakuzona zonke izikweletu ezimbi. Ukukwazi ukusebenzisa izikweletu ukuze uphile kahle, kuyakusiza ukuba ukwazi ukusebenzisa imali ngendlela yokonga.
Ukonga imali “ngokuyifaka ngaphansi komqamelo” kakuyona into enconywayo. Uma kunzima ukuzigcinela imali, hlela ukuba ibhange liyithathe kwi-akhawunti yakho njalo uma uhola ukuze likugcinele yona.
Kubalulekile nokuthatha umshwalense ukuze kuthi mhla kufika amathonsi abanzi, ube uhlomile. Uma usunomndeni othembele kuwena, kuhle ukuthatha umshwalense oyosiza abathandiweyo bakho uma wena usuwendele koyihlomkhulu.
Thatha izinqumo eziphusile ngokubheka izindlela ezingakusebenzela ukuze wonge imali isikhathi eside.
Isibonelo; kungakufaka ezindlekweni ukuqasha indawo yokuhlala uma umsebenzi wakho ukhomba ukuthi kumele uyohlala kuleyo ndawo osebenzela kuyona. Kuyafana futhi nokuthi uma umsebenzi wakho ungakuphoqi ukuba ugibele noma uthole indawo entsha yokuhlala, ukuthenga ifulethi ohlala kulona kungakusiza wonge futhi kungaba yindlela enhle yokutshala imali - ngoba mhla uhamba, ulidayisa, uyodla kahle.
Zama ukuhlela kusasele unyaka kufike iholide - elidinga imali enkulu. Lokhu kuzokunika isikhathi esanele ukubeka imali. Ungahlomula nangezaphulelo ezinkulu uma ubhukha izindiza nendawo yokuhlala kusekude ukuba uye eholidini.
ULynette uthi yize la mathiphu engaqinisekisiwe, kodwa angakusiza akunike isisekelo sokonga ngendlela efanele.
“Kumele wazi ukuthi kayikho indlela eshaya ngqo emhloleni mayelana nokongiwa kwemali, kwazise kuye kuncike ekutheni umuntu nomuntu ubhekene naziphi izindleko,” kuphetha Kloppers. Umthombo: Herald