Ungoti wezabathengi wasebhange ucebisa ngemigomo emihlanu yokuphatha imali umthengi angaqala unyaka ngayo

UKUPHELA kukaJanuwari bekusho ukuqala konyaka omusha, unyaka omusha oletha amathuba amasha okuthi sibuyekeze indlela esiphatha imali ngayo futhi siqale uhlelo lokuphatha imali olusha ukulungiselela izinyanga ezisele onyakeni. Ngeshwa sisabhekene nengwadla yeCOVID-19 nokuqhubeka nokusimisa kabi ngasezimalini. Yingezikhathi ezinjena lapho siyaye sikhuthaze khona abathengi ukuthi babhekisise izinto abanamandla okuzenza ukuphatha imali yabo kahle nokunakekela ikusasa.

UNksz uDhashni Naidoo, imenenja yohlelo lokufundisa abathengi eFNB, ithi: “Yisikhathi esimqoka ukuhlela ezezimali zakho, yingakho sikhuthaza abathengi ukuthi bathinte izikhungo zokonga imali njengamabhange ukuthi zibasize ngesikhathi esizoba nzima ngokwezimali. Loku kuzosiza abathengi babheke isabelomali sabo, imali abayisebenzisa nokuthi babheke imigomo abazibekele yona ngo-2021.”

Izindlela ezinhlanu zokuqala kahle unyaka:

1) Buyekeza noma yenza isabelomali

Abantu abaningi isabelomali sabo abasibhali phansi noma basifaka kuma-app. Kumqoka ukubhala phansi yonke imali engenayo, izindleko ukuze uyazi kahle imali yakho. Loku kuzokwenza wazi ukuthi imali yakho iya kuphi nokuthi ungonga kuphi ezintweni ezingenasidingo ukuze uqale ukonga.

2) Yiba nesikhwama sikagadingozi

Into enkulu u-2020 osifundise yona wubumqoka bokuba nesikhwama sokugada ingozi. Kumqoka ukuba nemali eyongiwe yezinyanga ezintathu kuya kweziyisithupha yezindleko zakho.

3) Ungakhanseli umshwalense ne-medical aid

Akudlalelwa kumshwalense noma i-medical aid. Akuzona izinto zokuthi ube nemali esephaketheni. Uma umshwalense uphela noma uwukhansela, ubeka umndeni wakho engcupheni enkulu.

4) Bekela ingomuso imali

Yelulekwa yibhange lakho noma wumeluleki ukuthi ungayibeka kuphi imali yakho. Kunamaqoqo ehlukene okonga njengezabelo (amasheya), ama-fixed deposit, izakhiwo, izikhwama zempesheni namanye.

5) Phungula izikweletu

Ukuqeda izikweletu kuzokongela imali. Uma usakwazi ukukhokhela izikweletu, khokha okuthe xaxa. Ukukhokhela izikweletu kwenza ukuthi ube negama elihle kubakweletisi. Uma ungakwazi ukukhokhela izikweletu, bathinte, ukucasha nokuziba kuzokwandisa inzalo; okungcolisa igama lakho ngomuso.

UNksz uNaidoo uphethe ngokuthi: “Indlela okhokha ngayo izikweletu iyokusiza ngezinselelo ongahlangabezana nazo kusasa. Vula amehlo ngemali, uyenze ikwazi ukukusiza.” – Intatheli yoMbele