Singavumi uDisemba udlule nemali yethu ngendlela engabonakali, kuloba uNokwazi Chonco
UDISEMBA ususemnyango. Uyisikhathi lapho abantu benza khona izinto ezingenamqondo ngemali abayisebenzele kanzima unyaka wonke. Yisikhathi lesi imindeni emningi esuke inemali eningi kunejwayelekile ngenxa yamabhonasi nezitok’fela.
Singakugwema ukuthenga izinto ezingenasidingo kuze kweqe ngokuba nesabelomali. Njengoba sisanda kuqala uNovemba, yisona sikhathi esihle lesi sokuhlela ukuthi imali sizoyisebenzisa kanjani ngamaholidi kaDisemba. Isabelomali siyasiza ungeqi emalini oyihlelile futhi ukwazi ukubona ukuthi ishone kuphi imali yakho.
Kufanele futhi uqaphele namaqola asuke engazibekile phansi ngalesi sikhathi.
Nanka amanye amasu angakusiza ukusebenzisa imali kahle ngamaholidi:
- Isabelomali samaholidi senze ngokubambisana nomndeni wakho ukuze nawo uqonde ukuthi yimalini eninayo futhi nizoyisebenzisa kanjani;
- Isabelomali kufanele sibhalwe phansi ukuze kube lula ukusilandela;
- Qala ngokonga noma utshale imali, ulandele ngokukhokhela izikweletu. Esalayo usungayisebenzisa ukuzithuthukisa nokuzijabulisa ngendlela ehlelekile;
- Uma wenza isabelomali, kubalulekile ukuhlukanisa phakathi kwesidingo (ukukhokhela ugesi namanzi, ukudla, njll) nokufunayo (ukuzijabula, izingubo ezintsha, izibiliboco;
- Hlukana nezikweletu (omashonisa, i-overdraft, amakhadi esikweletu). Uma ungakwazi ukukhokha ngokheshi, shiya phansi. Ungangeni onyakeni omusha nezikweletu;
- Ungangeni ogibeni lokuhehwa yizikhangiso. Khumbula ukuthi emva kwamaholidi amanani ezimpahla ayehla, ngakho-ke uma ufuna ukuthenga okuthile, linda unyaka omusha ukuze uthole izipesheli;
- Landelela indlela osebenzisa imali ngokubuyekeza isitatimende sasebhange masonto onke. Qiniseka ukuthi indlela osebenzisa imali ngayo ikhombisa ukuthi uyahambisana nohlelo lwakho lwezimali lwamaholidi;
- Thembeka kuwena nomndeni wakho ngesimo sakho sezimali. Qinisekisa ukuthi umndeni wakho uyasiqonda isimo sakho sezimali. Isibonelo, ukuthi unemali engakanani ngempela, unezikweletu ezingakanani.
Ungadidiseki, uDisemba useyinyanga ejwayelekile enezidingo zanyanga zonke.
Ngesonto elizayo sizobheka izinhlobo zokukhwabanisa nge-internet.
- UNkk uChonco uwungoti wezimali nomsunguli we-Ibanokwazi, efundisa ngokuphatha imali