Ungayisebenzisa kanjani ibhonasi yakho kahle, kuloba uNks uDhashni Naidoo

UKUTHOLA ibhonasi yinto ejabulisa kakhulu kanti yisikhathi sokuthakasela umvuzo wokuzikhandla kwakho unyaka wonke. Ibhonasi futhi yithuba lokuthi sikwazi ukwenza ebesifisa ukukwenza okudinga imali. Uma sicabanga ukusebenzisa imali kumele sicabangisise.

Muhle umgomo i-80/20. Lo mgomo usho  ukusebenzisa u-80% wemali yakho yebhonasi ekufezeni amaphupho akho adinga imali kuthi u-20% osele kube ngowokuzijabulisa ngezinto ezikhala kahle.

Amasu amathathu okusebenzisa ibhonasi kahle:

1) Nciphisa isikweletu

Yandisa imali oyikhokhayo yesikweletu uzame ukwehlisa isikweletu esinenzalo ephezulu kuqala. Ukunciphisa isikweletu kukusiza ukuthi ukwazi ukonga ngokuqhubeka kwesikhathi kwenze ube nemali le ovame ukuyikhokhela isikweletu.

2) Beka imali ezogada izimo eziphuthumayo. 

Thatha enye yaleyo mali uyifake esikhwameni esiwugadingozi. Emalini ewugadingozi kufanele uphokophele ukubeka imali elingene nezindleko zezinyanga ezintathu.

3) Lungiselela ikusasa ngokutshala imali. 

Xoxa nomeluleki wezezimali ngokutshala imali ukulungiselela ikusasa. Inzalo yemalimboleke ephezulu isho izindleko zokuboleka ezinkulu. Kepha futhi isho imali etshaliwe enenzalo ephezulu uma wonga noma utshala imali.  

Inzalo etholakala ngaphansi kwezimo ezinhle isho ukuthi unethuba lokuthola enye imali eyisimo semali yenzalo engena njalo. Inzalo oyithola ngemali etshaliwe isho ukuthi ukwazi ukuthola enye imali ngenzalo yemali.

Uma ungakaluqali uhambo lokutshala imali, yisikhathi esihle lesi sokuthi uqale. 

Xoxa nomeluleki noma ibhange lakho, wenze ucwaningo, uzihlomise ngolwazi ngokutshala imali. Funda ngezindlela ezihlukene zokutshala imali bese ukhetha ezozwana nawe enomvuzo omuhle.

Siluleka amakhasimende ukuthi axoxe namabhange awo noma abeluleki bezezimali ukuze bezokwazi ukuphatha imali yabo ngendlela efanele. Amabhange anosizo nemininingwane yokusiza amakhasimende ukuthi aphathe imali yawo kahle, ngakho xhumana nebhange lakho ukuze usizakale.

• UNksz uDhashni Naidoo uyi-consumer education programme manager eFNB