Bhekisisa isitatimende sakho sasebhange, sixoxa enkulu indaba, kuloba uNokwazi Chonco

KWENZE umkhuba ukubuyekeza isitatimende sakho sasebhange nyanga zonke.

Loku kusiza ukuthi ubone ukuthi imali engenayo (umholo wakho), izindleko zakho nendlela osebenzisa imali ngayo kumi kanjani.

Kusiza futhi ukuthi ukwazi ukubona amaphutha nemali ekulahlekele uma kwenzekile kwakhona imali oqolwa yona kuma-akhawunti akho. Kukangaki uzwa abantu bekhala ngokubanjelwa oR50 noR99 iminyaka abasuke bengazi lutho ngayo ngoba bengasifundisisi isitatimende?

Isitatimende sakho sasebhange sixoxa indaba. Sixoxa ukuthi uwumuntu onjani uma kukhulunywa ngokuphatha imali yakho futhi sixoxa ukuthi uthandani futhi ufisani ngempilo yakho – yiziphi izinto oqala ngazo endleleni osebenzisa imalingayo. Sixoxa nokuthi yini oyihlelele impilo yakho neyomndeni wakho nokuthi ishona kuphi imali yakho eningi. 

Imali yakho eningi ingakhokhela indlu noma irenti; indawo ofihla ikhanda kuyo ibalulekile kanti kufanele ibe seqhulwini. 

Enye ingxenye enkulu iya ekuthengeni ukudla, ukukhokhela ugesi namanzi, okuyizinto ezibalulekile.

Ishona kuphi enye?

Imali yakho iya lapho obona ukuthi kubalulekile khona. Isitatimende sasebhange sikhombisa ukusebenza kwemali, siyasiqaphelisa ngemikhuba yethu, emihle nemibi, yokusebenzisa imali. Isitatimende sakho sasebhange sikhuluma iqiniso ngaloko okwazisa kakhulu. 

Isibonelo nje, ungathi kubantu wazisa kakhulu impilo yakho nokuphila kahle (ukudla kahle nokujima) kodwa uma sibheka isitatimende sakho siveze okunye. Sithole ukuthi usebenzisa imali eningi ekuthengeni ukudla okuphekwe esitolo, utshwala nokunye okungahambisani nokunakekela impilo; wena usho okunye, isitatimende sitshengise okunye. Ngakho-ke buyekeza izinto ozibeka phambili noma hlola kabusha indlela osebenzisa imali ngayo. 

Indlela osebenzisa imali ngayo kufanele ihambisane nothi kubalulekile empilweni yakho nozifisela khona.

Cacisa ngezinto ezibalulekile empilweni yakho, uzibhale phansi bese ubeka imali ezokwenza lezo zinto ngokuzibhala kwakho.

Gwema ukusebenzisa imali ezintweni ongazibhalile phansi.
Hlelela imali yakho nyanga zonke, wenze isabelomali khona indlela osebenzisa ngayo imali izohambisana nezinto ozibeke eqhulwini empilweni yakho.

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