Izikweletu zisho ukukuncisha umoya? Ungazithula umthwalo ngokuzihlanganisa, kuloba uNokwazi Chonco

UKUTHATHA imalimboleko entsha noma ikhadi lesikweletu esisha ukuze ukhokhele ezinye izikweletu zakho ezincane wukuhlanganisa izikweletu eziningi imalimboleko ibe yodwa.

Le mali ebolekiwe eyodwa isetshenziselwa ukukhokha izikweletu zakho eziningi bese usala nemalimboleko eyodwa oyikhokhayo. 

Ukuhlanganisa izikweletu kuvame ukwenzeka ezikweletini ezingavikelekile phecelezi unsecured debts. isibonelo isikweletu sokufunda, i-credit card, ama-personal loan njll.

Uma ucabanga ukuhlanganisa izikweletu njengenye yezindlela yokukusiza ukukhokhela izikweletu zakho kangcono, ngingakweluleka ukuthi uqale uthole iseluleko songoti bezimali, nixoxisane nangezinye izindlela ezingakusiza.

Uma uhlanganisa izikweletu, kulandelwa inqubo evamile yokufaka isicelo semalimboleko entsha. Uma isicelo sakho sivunywa, imali izosetshenziselwa ukukhokhela zonke izikweletu zakho ezisele.

Imali ebolekiwe yokuhlanganisa izikweletu iba nesikhathi eside semalimboleko kunemalimboleko yakho yokuqala. Loku kwehlisa izitolimende zakho zanyanga zonke, okwenza izinto zithi ukuba lula.

Uma izikweletu zakho sezikhokhwe zaqedwa, qiniseka ukuthi uyazivala unomphelo, ikakhulukazi ama-akhawunti asezitolo. Sika lelo khadi, ucele ukuthi ivalwe i-akhawunti ungaze uqale kabusha uyisebenzise uphindele ezikweletini ezingenasidingo. 

Ubuhle bokuhlanganisa 

• Kunciphisa abantu obakweletayo ekubeni baningi babemunye kuphela. Ubhekana nesibopho esisodwa kuphela kuneziningi obunazo kuqala;

• Kwehlisa izinkokhelo nezinga lenzalo oyikhokhayo.
  Uma ubhekene nesikweletu esisodwa izinto ziba lula. Ukwazi ukuhlela kangcono ngoba usuwazi ukuthi yimalini ezodonswa ebhange nyanga zonke. Kunciphisa imali oyikhokhayo nyanga zonke;
  
• Kusiza ukunyusa amaphuzu akho okukwazi ukukweleta, phecelezi i-credit score. 

Okudinga ukuqaphele ngokuhlanganisa 

Kungaba nezinye izinkokhelo ezengeziwe, njengezinkokhelo zokudlulisa imali, imali yokuvala izikweletu nezinye, ngakho qiniseka ukuthi uqonda ngokugcwele konke okunikewayo ngaphambi kokusayina.

Ukuhlanganisa kungaba yisu lokukusiza ukuthi wehlise imali oyikhokhayo ngenxa yezikweletu eziningi, kodwa akusilona isu lokuqeda izinkinga zokuthi uyiphatha kanjani imali yakho. Ngeke kuksuize ukuthi ubhekane nemikhuba yakho emibi yokuphatha imali eholele ekutheni ube nezikweletu eziningi. 

Ngokuhlanganisa izikweletu, ugcina usukhokha isitolimende esiphansi nyanga zonke. Loku kungakukhohlisa, uzibone sengathi usunemali kunakuqala. Waphela ukuthi uyenzani le mali esikhona.

Ungazikhohlisi: awunawo amandla amasha okuthenga. Yonke imali ebonakala engathi isele kufanele iqonde ngqo ekukhokheleni imali ebolekiwe yokuhlanganisa izikweletu. 

Amabhange amaningi amakhulu nabanye abahlinzeki bezikweletu bakhipha imalimboleko yokuhlanganisa izikweletu, ngakho yenza ucwaningo olufanele ukuthi yini noma wubani ohambisana nezidingo zakho. Ungavele uvume noma yini ngenxa yengcindezi. Ngeke ukwazi ukuthola imali ebolekiwe yokuhlanganisa izikweletu uma usuvele wehlulekile ukukhokha phambilini noma uma unesahlulelo.

Uma amaphuzu akho okukweleta engekho mahle, mancane amathuba okuthi uthole izilinganiso zenzalo ephansi kwimalimboleko, okwenza ugcine usukhokha kakhulu.

Uma usenkingeni yezikweletu eziningi, uhluleka wukukhokha nyanga zonke, ukuhlanganisa izikweletu kungakusisa ukuthi uphefumule kancane. Nokho akusona isisombululo saphakade. 

Kufanele ulungise indlela osebenzisa imali ngayoukuze uqinisekise ukuthi noma kanjani uyayikhokha imali encane edingekaya. Empeleni kungaba ngcono ukukhokha ngaphezu kwenkokhelo encane edingekayo ukuze usheshe uqede isikweletu sakho.

Ukuhlanganisa izikweletu kungaba wumqondo omuhle uma isinqumo usithatha ngaphansi kwezimo ezifanele. Qiniseka ukuthi  ngaso sonke isikhathi ukuthi ulwenzile ucwaningo ngaphambi kokuthatha isinqumo.

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