Ungabulawa wukhwantalala ngenxa yezikweletu, likhona ikhambi, kuloba uNokwazi Chonco
NAMHLANJE kule ngosi sibheka indaba yesikweletu. Isikweletu yisimo sokuthola into manje kodwa uyikhokhele ngesinye isikhathi nenzalo ngaphezulu.
Ngamanye amazwi wukuzibophezela ukukhokha imali kancane kancane ngelinye ilanga.
Kunezinhlobo ezine zesikweletu. Nazi:
- yisikweletu esivikelekile, phecelezi i-secured debt;
- yisikweletu esingavikelekile noma esiphindaphindekayo, phecelezi i-unsecured noma i-revolving debt;
- yisikweletu samancozuncozu, phecelezi i-instalment debt.
Isikweletu singaba nomphumela omkhulu ekucindezelekeni kwezezimali.
Abantu baseNingizimu Afrika bacwile kakhulu ezikweletini. Impela kubi kakhulu ezweni njengoba sibona amanani enzalo eloku ekhuphuke njalo.
Siphuma nakwi-COVID 19, eyadala ingcindezi enkulu kakhulu yezezimali. Sibona nokwehla kwamandla emali iminyaka ilandelana.
Ngenxa yezindleko eziphezulu zokuphila, abantu baseNingizimu Afrika babisha ezikweletini.
Ngokocwaningo olwenziwe ngo-2022, abantu abaningi eNingizimu Afrika basebenzisa ngaphezu kwamaphesenti awu-60 emali abayiholayo ukukhokhela izikweletu. Ngakho uma uneshumi, kusho ukuthi u-63c uya ezikweletini, kusale u37c wokubhekana nezinye izindleko.
Abantu baseNingizimu Afrika bacwile ezikweletini futhi bayehluleka wukugcina izibopho zabo zezikweletu.
Kubonakala sengathi isikweletu sisetshenziselwa ukuphila inyanga nenyanga, njengokuthenga izinto zasendlini nge-credit card, njll. Loku kuholela ekuphileni impilo enezikweletu kuze kube phakade.
Kubalulekile ukuthi sikwazi ukulawula izikweletu zethu ukuze sigweme ukhwantalala olubangwa yisimo sezimali.
Amasu amane okukhokhela izikweletu:
- Yenza uhla lwezikweletu zakho
Bhala phansi konke okuyisikweletu, njengemali esele kwi-credit card, imali oyibolekile, izinkontileka zikamakhalekhukhwini, njll.
Bhala igama lesikweletu, ukuthi malini iyonke kanye nokuthi kufanele ukhokhe malini nyanga zonke, isibonelo ikhadi lasesitolo wuR450.
Kufanale ubhale nokuthi ingakanani inzalo yesikweletu nokuthi malini inkokhelo encane edingekayo.
Lolu hla luzokusiza ukuthi ubone kahle inani lezikweletu zakho nokuthi kahle hle uzodinga malini ukuze ukwazi ukukhokhela izikweletu zakho.
- Nquma ukuthi malini onamandla ayo nyanga zonke
Ungagcini nje ngokuhlale ukhokha leyo mali encane edingekayo ngoba loku kuzokwenza uhlale nesikweletu isikhathi eside futhi ugcine ukhokha inzalo enkulu.
Zama ukukhokha imali ethe xaxa kunencane edingekayo. Loku kuzokusiza ukuthi usheshe usiqede isikweletu, unciphise ingcindezi.
Siphila esikhathini esinzima njengoba isimo sokuphila senyuke kangaka, ngakho kungabonakala kungenzeki ukuthi ukhokhe imali ethe xaxa. Ungapheli amandla, kungenzeka. Zama ukuthola lapho ongehlisa khona njengokudla okuvuthiwe, ukuthenga ukudla emsebenzini, njll).
Thola izindlela ezihlukene zokwandisa imali engena zinyanga zonke, ungathembeli emholweni wakho kuphela.
- Yiba nesu lokukhokhela izikweletu
Kubalulekile ukuhlela amasu ukuze ube nohlelo lokuqeda izikweletu, njengokuthi yiziphi izikweletu okufanele zibekwe eqhulwini.
Gxila esikweletini ozokwazi ukusikhokha kalula nangokushesha, njengama-akhawunti asesitolo ama-credit card, njll.
Mhlawumbe ungabheka kakhulu izikweletu esezisezandleni zabaqoqa izikweletu. Yenza isivumelwano nabo bese usigcine ungalenzi iphutha. Ngokwenza njalo liyehla ixhala lokuphila ngokushayelwa ucingo abaqoqi bezikweletu kanti kulungiseka negama lakho uma ufuna ukuthatha isikweletu.
Phinda uzame ukubeka eqhulwini izikweletu ezinenzalo enkulu ukuze usheshe usiqede.
- Khuthalela ukwehlisa izikweletu
Ukuba nezikweletu eziningi kubanga ukhwantalala. Yingakho kubalulekile ukuzama ngakho konke okusemandleni ukuphuma ezikweletini.
Akukho lula kodwa uma ubambelele emgomweni wokuphila impilo engenasikweletu kuyenzeka.
Landela uhlelo lwakho, ungasuki kulona. Thola usizo kumeluleki wezezimali othembekile.
Ungalinge wenze isikweletu eshisha ngenkathi usazama ukwehlisa nokuqeda izikweletu ezindala.
- UNkk uChonco uwungoti wezimali nomsungui we-Ibanokwazi, inkampani efundisa ngokuphatha imali.