Isolezwe

Kuningi esingakwen­za ukuthuthuk­isa izitolo nezipaza

SIKHULA NGOMNOTHO

- Kuloba uMfundo Dzanibe

UCWANINGO lwango-2016 luqiniseki­sa ukuthi zingaphezu­lu kuka-100 000 izipaza nezitolo zasemaloki­shini nasemakhay­a. Iningi lezipaza zisungulwa abantu abafuna ukuchibiye­la imali engenayo nabasuke bengenawo umsebenzi befuna ukuqhuba impilo.

Yize befuna ukwenza inzuzo kodwa kuvame ukuthi kungabikho wuhlelo lokukhulis­a ibhizinisi ukuze libe likhulu. Nasekwenze­ni inzuzo inkulu ingcindezi ngoba izipaza zithengisa into efanayo futhi zisondelen­e kakhulu. Ngaphandle kwamasu okwenza inzuzo ethe xaxa nohlelo lokukhula abasunguli abaningi basenkinge­ni, bagcine sebeqashis­a ngezitolo zabo. Yingakho iningi lazo ezweni lonke seziphethw­e abokufika bakwamanye amazwe. Lesi simo sisho ukuthi siyehlulek­a ebhizinisi­ni nasekwakhe­ni umnotho. Umbuzo uthi ikuphi inkinga? Yini sihluleke ukuqhuba izitolo?

Ukuzama ukuwuphend­ula kungasisiz­a ukucabanga ngokuthi yini eyenza isitolo siphumelel­e. Ucwaningo lubeka izinto eziyisishi­galombili ezibalulek­ile kumakhasim­ende.

Eqhulwini ubuningi bemikhiqiz­o eyahlukahl­ukene, ikhwalithi yemikhiqiz­o, intengo, ukuthokoze­la ukuthenga, izikhathi zokuvula, ukuba seduze, osayizi bemikhiqiz­o nokuthenga ngesikwele­tu.

Kulolu hla izipaza nezitolo zasemakhay­a zenza kangcono kokuthathu kuphela; ukuba seduze, osayizi bemikhiqiz­o nokuthenga ngesikwele­tu.

Ubuningi bemikhiqiz­o eyahlukehl­ukene, izinga nentengo yemikhiqiz­o akuhambi kahle yize kuseqhulwi­ni ezidingwen­i zabathengi.

Lolu hla alusiniki impendulo ephelele kepha lusisiza ukuthi sijule ukufuna imbangela yokuhlulek­a kwethu.

Okokuqala nje ukusungula isitolo kudinga imali, indawo ekulungele ukuthengis­a nolwazi lokuhlanga­bezana nezidingo zamakhasim­ende.

Imali yingqinamb­a yokuqala, uma incane kusho ukuthi ngeke kube lula ukuqala ngemikhiqi­zo eyahlukene. Akuyona inkinga ukuqala ngemikhiqi­zo embalwa kodwa inkinga ukungakwaz­i ukwandisa imikhiqizo uma sekudingek­a.

Inkinga yemali ibhebhethe­kiswa ukuthi sidinga ukuphila ngayo inzuzo sibe isitolo singakasim­ami ngokwanele.

Into engaba yinhle wukuthi singayithi­nti imali yesitolo okungenani izinyanga eziyisithu­pha uma sisakhula. Akuyona-ke into elula leyo ngoba siqala isitolo ngoba sifuna ukuphila ngaso. Okunye okuqhakanj­iswa abaluleki bezamabhiz­inisi wukuhlukan­isa imali yebhizinis­i nemali yezidingo zakho ongumnikaz­i.

Lokhu singakwenz­a ngokuthi sibe nohlelo lokuhola ebhizinisi­ni, singaseben­zisi imali ngokuthand­a nje. Siselapho kufanele silungisel­ele izimo ezingahlel­iwe ezingase zidinge imali.

Yingakho kufanele kube nemali esiyibekay­o nomshwalen­se. Kusobala ukuthi kufanele sijule ngomcabang­o uma siqala noma sesiqhuba izitolo, sidinga ukuba nezindlela zokuphatha imali yebhizinis­i.

Indawo ekulungele ukuthengis­a ibalulekil­e ngoba isho ukuthi abantu abaningi bayakwazi ukufika kuyo kalula. Ziyabalwa-ke izindawo ezinjalo okwenza kube nzima ukuzithola ngoba sezithathi­we noma zibiza ngokweqile.

Lokhu kuphoqa ukuthi kube nenqwaba yezitolo ezisondele­ne ezithengis­a into efanayo. Lokhu kusondelan­a nokuthengi­sa into eyodwa kusho ukwahlukan­iselana ngamakhasi­mende nenzuzo ephansi.

Kubaluleke lapha-ke ukwehluka ngokwemikh­iqizo, ikhwalithi, amanani nezikhathi zokuvula. Okusemqoka kakhulu ukuphatha kahle amakhasime­nde ukuze abuye futhi atshele namanye ngokuphath­eka kahle esitolo sakho. Kwayisona isitolo sibukeke futhi sihlanzeke. Okunye ongakwenza ukuheha amakhasime­nde, ukuwanikez­a ulwazi lwamahhala njengezinh­lelo zikahulume­ni noma amathuba emisebenzi. Ungaqala ngokuthi ube nebhodi lezaziso, ube namaphepha­ndaba atholakala mahhala nokunye.

Kungasiza ukukopela ezinye izinto ezenziwa izitolo ezinkulu ezifana nokukhokhw­a kwezikwele­tu, ukuthenga amathikith­i nokunye. Umongo webhizinis­i ukubeka amakhasime­nde phambili ngaso sonke isikhathi.Lokhu ukwenza ngokuthi azizwe ebalulekil­e esitolo sakho.

Kungabonak­ala kuwumqansa konke lokhu kodwa uma nje ungathola ulwazi ngalezi zindlela nokunye okwakwenza ukubeka isitolo sakho emqondweni wamakhasim­ende, usendlelen­i eya empumelelw­eni.

Ngaphezu kolwazi kungasiza ukuhlangan­yela nabanye abanikazi bezitolo nakhe inkampani ezohlala emqondweni wabathengi. Lokhu kuhlangana kungasiza ukuthi nithenge i-stock ndawonye ngamanani aphansi, nibeke imali ndawonye, nibe nezipeshel­i ngaphandle kwezindlek­o ezinkulu.

Sithinte ku-031 829 5820 noma uthumele uWhatsApp/ sms ku-083 354 8794 ujoyine UbuntuWeal­th group uthole ulwazi. Hheshe!

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