Abantu abagade ingozi yentela futhi bangaxhamazeli endleleni abakhokhela ngayo izikweletu njengoba bebaningi abaphelelwe yimisebenzi ngenxa yeCOVID-19. Lesi yiseluleko sikaNksz uPhumelele Ndumo, umeluleki wezezimali. Uxoxe noSLINDILE KHANYILE
ABANTU abadiliziwe njengoba kuqubuke iCOVID-19 nabazothola imali yabo yempesheni kanjalo neyokudilizwa kumele baqaphele imali yabo ingagcini iphelela kwintela ngenxa yendlela abakhetha ukuyisebenzisa ngayo.
Lesi yisexwayiso neseluleko sikaNksz uPhumelele uNdumo, umeluleki wezimali nombhali wencwadi, esihloko sithi From Debt to Riches, Steps to Financial Success.
Uthe luningi ugibe abantu abangena kulona ngoba bengaqondi ukuthi intela isebenza kanjani.
“Kungcono ukuthi kunokuthi uyithathe imali ophuma nayo, uqale uyidlulisele esikhwameni sokubeka imali okuthiwa yi-Preservation Fund, okuyisikhwama sonke esivumelekile ukuthi sikhiphe imali kuso kanye ngaphambi kokuthi sibe neminyaka ewu-55,” kweluleka yena.
Ngokubeka imali kulesi sikhwama, uNksz uNdumo uthe uyobe ugwema ukuthi imali ophuma nayo ivele igamfulwe intela. Uthe okunye okuhle uma usufuna ukuyikhipha imali awunqunyelwa ukuthi ukhipha engakanani kodwa kuya ngawe ukuthi uthatha ingxenye ethile noma ufuna ukuyikhipha yonke.
“Labo abaphelelwa wumsebenzi sebengaphezu kweminyaka engu-55 kuhle bahlanganise imali yempesheni neyokudilizwa bazitholele impesheni ezobakhokhela impilo yabo yonke okuthiwa i-life annuity. Ngisho kungathiwa uba nenhlanhla uphinde uthole umsebenzi ngaphambi kokuthi ube neminyaka ewu-60, ngeke iyeke ukukukhokhela le mpesheni yakho.
“Kulaba abancane uma kukhona abayithathayo imali, kuhle bazame (ukutshala) imali yabo njengakuma-akhawunti angayikhokhisi intela bese kuba khona imali abayiholayo nyanga zonke.”
Ukuvalwa kwezwe nemingcele ngenxa yokuqubuka kwalesi sifo kuholele ekutheni ezinye izinkampani zidilize izisebenzi futhi zinciphise nemiholo. Kwezinye izimboni kuphele izinyanga abantu bengaholi ngenxa yokuthi bekuvaliwe nokube nomthelela nasendleleni abantu abakhokha ngayo izikweletu zabo.
Ngokusho kombiko wekota yokuqala ka-2020 okhishwa yiTransUnion, obizwa nge-South African Industry Insights Report, ziqhubekile nokunyuka izikweletu abantu abahlulekayo wukuzikhokhela. Izikweletu zama-credit card zinyuke ngo-8.4% uma kuqhathaniswa unyaka nonyaka kwathi ezemali ebolekiwe zakhuphuka ngo-17.2%.
Isiyonke imali ekweletwa ngabathengi kuleli iwuR1.5 trillion ngokusho kwe-Experian South Africa.
UNksz uNdumo uthe abantu abangaxhamazeli uma benquma ukuthi yiziphi izikweletu abazozikhokhela, wathi okumqoka wukuthi babheke ukuthi bebengawukhokheli yini umshwalense othi izikweletu zabo ziyokhokhelwa uma bedilizwa.
“Eminye imishwalense uthola ukuthi izokukhokhela izikweletu zakho izinyanga eziyisithupha kanti eminye kuyenzeka kube yizinyanga ezingu-12; ngakho-ke ngithi abantu abaqale babheke ukuthi abanayo yini le mishwalense, bangagijimeli ukuyofaka imali abayitholile bethi baphungula izikweletu.
“Kokunye kungenzeka umuntu nemali aphume nayo ayanele ukuthi aphile futhi akhokhele izikweletu, nalapho kumqoka ukuthi umuntu abhekisise ukuthi ukhokhela ziphi izikweletu kuqala. Abanye abantu bajaha ukukhokhela imoto kodwa bagcine bedlelwa umuzi. Kusiza ngani ukuthi usale nemoto kodwa ungabi nalo ikhaya? Ngibona kungcono ukuqala ngomuzi futhi abantu bakhumbule ukuthi bavumelekile ukuyohola upoyinandi uma bediliziwe,” kusho uNksz uNdumo.
Ululeke abancishiselwe umholo ukuthi babuyekeze izindleko zabo ezifana nalapho befundisa khona izingane, ukukhokhela ukuya ejimini nanezinto ezifana nemishwalense yemoto. Uthe kungumkhuba omuhle ukubuyekeza umshwalense wemoto minyaka yonke nokho wagcizelela ukuthi kumele abantu babhekisise ukuthi imihlomulo yemishwalense isazofana yini bangabheki ukuncipha kwemali kuphela. UNksz uNdumo wengeze ngokuthi abantu bangayonga imali nanangendlela abathenga ngayo ukudla. Uyenaba ngalokhu