Amasu alula okongela ukuqala konyaka
YINTATHELI YOMBELE
NGEMVA kwamaholidi kaDisemba, usuqalile unyaka omusha. Abantu abaningi bafisa ukuthi isimo sabo sezimali sibengcono kulonyaka ukuze babenekusasa eliqhakazile. Lesi yisikhathi sokuqala kabusha nokulungisa amaphutha ekuphatheni imali abantu abawenze eminyakeni edlule.
UNks u-Ester Ochse, i-product head yeFNB Integrated Advice, uthi: “Isinyathelo sokuqala ukuze ubenekusasa elihle ngokwezimali wukwenza isabelomali esenza ukwazi ukonga imali futhi ukwazi ukukhokha izikweletu onazo. Kubalulekile ukuthi ubeneqiniso uma wenza isabelomali nokuqinisekisa ukuthi yinto eyenzekayo. Kufanele uqinise ekwehliseni izindleko ezingekho mqoka njengokudla ngaphandle noma ukuthenga izinto eziwubukhazikhazi.
“Okunye, wukubheka ezinye izindlela zokwenza imali, njengokuphanta.”
UMnu uHimal Parbhoo, isikhulu esiphezulu seFNB Retail Cash Investments, uthi esikhundleni sokuthi ugutshuzelwe yizindleko ezingenasidingo ngalo nyaka omusha bheka izindlela noma izindawo ongakwazi ukonga futhi utshale imali kuzona. Izindleko ezingahleliwe zingenza abantu ukuthi bacwile ezikweletini.
Izeluleko zokuqala unyaka kahle:
- Yenza izindlela zokuthi izindleko zizikhokhelekele
Ukwenza ukuthi izindleko zanyanga zonke zizikhokhelekele kukusiza ukuthi wonge imali ngokunciphisa inhlawulo yemali ephuza ukukhokheka. Kuqinisekisa ukuthi kukhokheka ngesikhathi, okwenza ubenegama elihle.
- Sebenzisa izinto zokwenza isabelomali
Ukusebenzisa izinto zokwenza isabelomali, enjenge-smart budget available etholakala ku-nav» Money kwi-FNB App, kuzokusiza wazi ngesimo sakho sezimali nokukwazi ukulandela indlela osebenzisa imali ngayo. Loku kuzokwenza ukwazi ukonga imali ngokubona izindawo lapho unganciphisa khona bese leyo mali uyonga.
- Vula i-akhawunti ewugadingozi enenzalo enkulu
I-akhawunti yokonga imali enenzalo enkulu izokwenza ukukhulisa imali oyongayo ngenzalo ozoyithola. Loku kuzokwandisa imali oyongayo ngokuqhubeka kwesikhathi futhi kukusize uma uzunywa izimo ezithile.
Uma ubheka ukuthi ukwehla kwamandla emali kuyenyuka, bheka izindlela zokonga noma zokutshala imali. Izindlela zokonga isikhathi esifishane kwenza ukwazi ukonga nyanga zonke futhi ukwazi usheshe uyithole imali. Ukuba nama-akhawunti anjena kuzokusiza ukuthi ukubhekana nezimo ezizumayo. Iseluleko esihle sokongela izimo eziphuthumayo wukuba nemali elingene izindleko zezinyanga ezintathu.
- Ungazithambisi ngezinhlelo zemihlomulo, phecelezi ama-rewards programme
Ukusebenzisa imihlomulo kuzokusiza ukuthi wonge ezintweni ezinjengokudla kwasendlini, ukuhamba nokudla ezitolo. Nge-eBucks, iFNB ikunika imihlomulo ekusiza ukuthi wonge imali. I-eBucks ikwenza uthole amaphuzu irandi ngalinye olisebenzisa kubalingani be-eBucks.
- Ungazithambisi ngama-akhawunti angenantela
I-akhawunti yokutshala imali ongakhokhi ntela ngayo ikwenza ukwazi ukonga imali efinyelela kuR36 000 ngonyaka ungakhokhi ntela ngenzalo oyitholile. Inzalo oyithola khona awuyikhokheli i-income tax, i-capital gains tax noma i-dividend withholding tax.
- Yonga ushintshi
Isidala sihle uma kukhulunywa ngokonga njengokufaka imali esikoqokoqweni. Faka ushintshi esikoqokoqweni bese kuthi emva kwezinyanga ezimbalwa ubheka ukuthi yimalini. Kumakhasimende eFNB sineBank Your Change® feature eyenza ukuthi akwazi ukonga ingxenye kashintshi njalo uma esebenzisa ikhadi laseFNB ukuthenga noma ukukhokhela izinto.
“Sibhekene nesimo somnotho esinzima, ngakho sikhuthaza amakhasimende ethu ukuthi aqonde amandla okonga imali isikhathi esithile. Ukonga imali, noma inkulu noma incane, kwenza umehluko omkhulu ekuhleleni izimali zakho. Kubalulekile ukuthi uqale ukonga manje. Yisona sinyathelo esizokwenza ukuthi ubenekusasa eliqhakazile kwezezimali. Ngokuzinikela nokuphokophela, sizokwazi ukwenza lo nyaka ubeyinto esiyifisayo,” kuphetha uNks u-Ochse.
- Lolu lwazi lutholakala ngezilokotho zeFNB
