Amasu okuqala unyaka kahle ngokwezimali ukuze abantu abongayo nabatshala imali bezoba nekusasa elivikelekile. INTATHELI YOMBELE iyabika
UKUQALA konyaka omusha kuhlale kuyithuba elihle lokulungisa amaphutha amadala kuwonkewonke ukuze abe nekusasa elihle ngokwezimali.
I-FNB Integrated Advice product head uNks u-Ester Ochse uthi: “Igxathu lokuqala lokuzakhela ikusasa elivikelekile liqala ngokwenza isabelomali esikwenza ukwazi ukonga imali futhi ukwazi ukukhokha izikweletu zakho. Kubalulekile ukungazikhohlisi uma wenza isabelomali ngokuqinisekisa ukuthi yinto ekwazi ukwenzeka.
“Okunye wukuthi unciphise izindleko ezingesona isidingongqangi njengokudla ezitolo nokusebenzisa imali eningi ezintweni ezibukhazikhazi. Ngaphezu kwaloko wukuthi ubheke izindlela zokwenza enye imali njengokuphanta,” kusho yena.
Isikhulu esiphezulu seFNB Retail Cash Investments uMnu uHimal Parbhoo uthi kulo nyaka kufanele ubheke izindlela nezindawo lapho ungakwazi ukonga khona futhi utshale imali.
U-Parbhoo uthi izindleko ezingahlelelwe zingaholela abantu ukuthi babenezikweletu ezingenasidingo, okuyinto yokugcina umuntu angazifaka kuyona.
UNks u-Ochse noParbhoo namasu alula ayisithupha okuqala unyaka kahle:
1) Ukuzikhokhela kwezindleko
Ukwenza izindlela zokuthi izikweletu zakho zizikhokhelekele kuzokusiza ukuthi wonge imali ngokunciphisa izinhlawulo zokuphuza ukukhokha. Kuqinisekisa ukuthi izikweletu zikhokheleka ngesikhathi, okuzokusiza ukuthi ube negama elihle lokuboleka.
2) Izinsiza zesabelomali
Ukusebenzisa into yokwenza isabelomali etholakala ku: nav» Money on the FNB App ikusiza ukuthi wazi ukuthi imali uyisebenzisa kuphi. Ingakusiza ukwazi ukonga imali ngokukuvezela izindawo onganciphisa ukusebenzisa imali kuzona bese ukwazi ukuyonga leyo mali.
3) Ama-akhawunti okonga anenzalo enkulu angogadingozi:
I-akhawunti yokonga enenzalo enkulu azokusiza ukubeka imali. Loku kuzokwandisa imali oyongayo ngokuqhubeka kwesikhathi, kukusize uma kunesimo esiphuthumayo.
Uma ubheka ukuthi ukwehla kwamandla emali kubhokile, bheka izindlela zokonga ezizokwenza wonge noma utshale imali. Ama-akhawunti okonga imali isikhathi esifishane akusiza ukuthi ukwazi ukonga nyanga zonke imali okwazi ukuyithola ngokushesha noma ngezinsuku eziyisikhombisa.
Iseluleko esihle zikhathi zonke esokuba nemali yezindleko elingene inyanga noma izinyanga ezintathu.
4) Izinhlelo zemititilizo
Ukusebenzisa izinhlelo zemititilizo, phecelezi zama-reward, kukusiza wonge kwigrosa, ukuvakasha nokudla. Ngezinhlelo ezinje uzuza amaphuzu irandi ngalinye olisebenzisa ezitolo zabalingani bebhange lakho. Bheka ezinye izaphulelo ezingaba khona.
5) Ama-akhawunti angenantela
Ngama-akhawunti angenantela ungakwazi ukutshala imali efika kuR36 000 ngonyaka ungakhokhi ntela kwinzalo oyitholayo. Inzalo oyithola ngokutshala imali kwi-akhawunti engenantela kwinzalo ayikufuni i-income tax, i-capital gains tax i-dividend withholding tax.
6) Yonga ushintshi
Isidala sihle uma kukhulunywa ngokonga njengokufaka imali esikoqokoqweni. Beka imali esikoqokoqweni kanti uzoba emva kwezinyanga ezimbalwa ukuthi izobe isingakanani.
“Sibhekene nesikhathi somnotho esinzima kanti sikhuthaza amakhasimende ukuthi aqonde amandla okonga isikhathi eside. Uma oyongayo noma ngabe incane noma yinkulu yenza umehluko ezimali zakho. Kumqoka ukuqala manje ukonga. Yikona okuzokwenza ukwazi ukuba nekusasa elivikelekile. Ngokuzinikela nokuzithiba, sizokwazi ukwenza lo nyaka omusha loko esikade sasizifisela wona,” kuphetha uNks u-Ochse.