Caba indlela ezokwenza uphile kahle ngemali onayo, kuloba uNokwazi Chonco

ZIHLOLISISE

• Okukuqala, hlolisisa ubudlelwane bakho nemali yakho.
• Yazi isimo sakho sezimali samanje – ungazikhohlisi. Yazi ukuthi yimalini engenayo, yimalini ephumayo, zingakanani izikweletu, imali ayisekho kodwa ihole izolo.  Akulula ukubhekana neqiniso.
• Uma usuyivumile lendaba yakho yemali, usuyakwazi ke manje ukubona uhambo okumele ulithathe ukuguqula isimo sakho.
• Konke lokhu kufanele ukubhale phansi, kube phambi kwamehlo akho.

• Bhala nezifiso sakho, mhlawumbe ungazibekela ofisa ukukuzuza esikhathini esingangonyaka. Mhlawumbe kungaba wukuthi ufisa ukuba usuziqedile zonke izikweletu zakho noma ufisa ukubeka imali ukuze ukwazi ukukhokha imali yesikole sengane umkanye, njalonjalo. 
• Abantu bavame ukuthi – uma ngingaba nemali eningi, zonke izinkinga zami zemali zingaphela. Yebo mhlawumbe zingaphela kodwa futhi kungavela ezinye izinkinga. Yazi ukuthi akusikho ukuthi unemali engakanani kodwa wukuthi uyiphatha kanjani imali onayo
• Ukufunda ngezezimali (ifinancial literacy) nokuzifundisa imikhuba emihle yokuphatha imali kubaluleke kakhulu uma ufuna ukuba nemivuzo emihle.
• Asiyeke ukuphila nokusebenzisa imali ngokunganaki. Fanele siphile ngokuqonda ukuthi sifunani ngempilo yethu. Njalo uma sikhipha imali sithenga, sikhokha, siqondisise ukuthi izinqumo esizithathayo zinomthelela, ngakhoke akube nomphumela omuhle njalo.
• Uma ufuna ukuphumelela kunoma yini, kumele ube nohlelo uhlelisise – kunjalo ke ngisho uma sikhuluma ngemali. Hlela isabelomali nyanga zonke, uzosebenzisa malini, uzokonga malini, uzotshala malini, njalonjalo.
• Uma usunohlelo usuyabona ke manje ukuthi kufanele uphile kanjani zinyanga zonke ukuze uphumelele ukufeza amaphupho akho ezimali.
• Uwena manje ophethe imali akusiyona ephethe wena. Usuyakwazi ngisho ukubona uma uphume eceleni, usuthenga kungenasdingo. Awusathengi uxhamazela.
• Isabelomali sisiza impilo yakho ihleleke. Imali engenayo, nephumayo uyibona kusekude, awuphili ebumnyameni uthandazela ukuphila kuzekuphele inyanga.
• Phila impilo yakho ngokwamandla akho nephakethe lakho.
• Gwema ingcindezi ezokwenza usebenzise imali ongenayo, ungaweli ogibeni lokuphilela imanje.
• Ukushintsha indlela ocabanga ngayo, nendlela ojwayele ukwenza ngayo izinto akukho lula, kodwa kuyenzeka.
• Njalo uma uzokhipha imali uthenga noma ukhokha, zibuze ukuthi – ingabe lokhu engikwenzayo kunomphumela omuhle noma omubi empilweni yami? 

• UNkk uChonco uwungoti wezimali nomsunguli we-Ibanokwazi, inkampani efundisa ngokuphatha imali.