Imibuzo evame ukubuzwa ngabantu ngokonga
YINTATHELI YOMBELE
UJULAYI yiNyanga yoKonga. Guqula isimo sakho sezimali #PayYourselfFirst
I-Association for Savings and Investment South Africa (i-ASISA) Foundation ikhuluma nabantu ngezindaba zezimali unyaka wonke ngokwenza izithangami zokucobelelana ngolwazi nangobuchwepheshe obuhlukene.
Ngezansi eminye imibuzo abantu abavame ukusibuza yona ngokonga. Siyathemba izimpendulo zizokusiza nawe. Qaphela amagama asezincwadini akusiwo amagama angempela abantu abathumele izincwadi.
“Sawubona Lumka,
“Ngifuna ukonga kodwa kunzima ukuthi ngonge ngaphandle kokuzizwa sengathi kukhona engingeke ngikwazi ukukwenza uma ngonga. Ngisebenza kanzima futhi kufanele ngizijabulise ngokwenza izinto ezingithokozisayo. Ngabe ikhona indlela yokonga kodwa ngikwazi nokuzijabulisa ngemali yami engiyisebenza kanzima? Ngibonge usazophendula, wu-Arish!”
“Sawubona Arish,
“Ngiyabonga ukuthi ungithintile. Ngiyazi ukuthi kunzima kangakanani ukusebenza kanzima bese imali eningi isetshenziswe ukuthenga ukudla nokukhokha imali yesikole, kungasali eningi. Esuke isisele usuke usufuna ukuzijabulisa ngayo.
“Okuhle wukuthi ngokuhlela kahle, ungakwazi ukwenza kokubili. Qala ngokubheka ukuthi imali uyisebenzisa kuphi: yikuphi okudingayo nokuthi yikuphi okukuthokozisayo. Izidingo, okuwugesi, imali yokugibela negrosa kufanele uqale ngazo bese uthola into noma ezimbili ongayehlisa; mhlawumbe uphathe isikhaftini esikhundleni sokuthenga ukudla emsebenzini.
“Sebenzisa leyo mali ukuze uqale ukonga. Yifake kwi-savings account lapho izohlala iphephile futhi izokwazi ukubanenzalo. Ukonga kufana nokukhokhela esinye isidingo. Kufanele kwenzeke njalo ngenyanga. Uma wonga, usuke usukhetha uku#ZikhokhelaWenaKuqala futhi usebenzele into oyifuna okwangempela.
Ngiyathemba loku kuzokusiza ukuthi uqale#PayYourselfFirst!
Okuhle kodwa,
wuLumka.”
“Sawubona Lumka,
“Ngihlale ngizwa abantu bethu kufanele songe. Ngihlale ngifisa ukonga kodwa ithi iphela inyanga ngibe ngingasasele nalutho. Ngikwenza kanjani ukonga kubeyinto eseqhulwini ngibe ngingenayo into engizoyonga? Ungakwazi ukusiza?
“WuColin.”
“Sawubona Colin,
“Yinkinga ebhekene nabantu abaningi lena. Izindleko zempilo zikhuphuka zonke izinsuku. Ukufeza izidingo ezibalulekile, okuwukuthenga ukudla nokubeka imali yokugibela, kuyithatha yonke imali yethu. Kodwa nginawo amasu angakusiza ukuthi uqale ukonga. Into ebalulekile wukukhumbula ukuthi ukonga kufanele kubalwe nezindleko zomuntu zazo zonke izinyanga. Njengokukhokhela irenti, kufanele u#PayYourselfFirst ngokonga. Empeleni, kufanele kube yikona okuhamba phambili kwisabelo sakho semali kunokuthi kubesekugcineni. Akuyona nje into okumnandi ukuyenza njengokudla ezitolo kodwa kumqoka.
“Kufanele senze esikwazi ukukwenza. Siqale ngokonga imali encane, ngisho uR25 ngesonto uyisiqalo esihle. Okulandelayo kufanele ulondoloze imali yakho endaweni ephephile, okungaba yi-akhawunti ehlukile yokonga. Ngale ndlela, ngeke uyisebenzise, ingakhula ibe ikuzalela inzalo. Amabhange amaningi abanama-akhawunti okonga afakwe kwi-akhawunti yakho oyisebenzisa nsuku zonke. Loku kwenza kubelula ukususa imali kwi-akhawuntu yakho yansuku zonke uyifake kwi-akhawunti yokonga njalo ngenyanga.
“Ngikufisela inhlanhla futhi ngiyakubongela ngokuzibophezela # PayYourselfFirst!
Okuhle kodwa,
wuLumka.”
“Sawubona Lumka,
“Ngiyakwazi ukongela abanye abantu Ngongela imfundo yezingane zami nezimo eziphuthumayo kodwa angikaze ngongele ikusasa. Ngiyazi kubalulekile kodwa ngingaqala kanjani?
“Ngiyabonga,
wuThato.”
“Sawubona Thato,
“Ngiyakubongela ngokuthatha isinyathelo sokuqala. Njengoba kuyiNyanga yokonga indikimba yayo ithi #PayYourselfFirst, lesi yisikhathi esihle sokuqala.
“Kuzwakala sengathi inhloso yakho wukubanomhlalaphansi omuhle, lapho ungeke uncike ezingangeni zakho. Yinto ebalulekile lena engakukhuthaza. Qala ngokuzibekela inhloso ecacile nokuvula i-akhawunti ehlukile yokongela ikusasa.
“Amabhange amaningi anama-akhawunti okonga abamahhala uma ubhenka kuwona. Lama akhawunti angenisa inzalo, okusho ukuthi imali yakho izokhula ngokuhamba kwesikhathi.
“Isinyathelo esilandelayo sizokwenza ukuthi njalo ngenyanga kubenemali eya kuleyo akhawunti ngaphambi kokuthi ukhokhele izikweletu zakho. Ngale ndlela uzobe uzikhokhela wena kuqala futhi uqala umkhuba wokonga.
“Uma ufuna ukuya kwelinye izinga, kufanele ukhulume nomeluleki wezimali. Angakusiza ukuthola imininingwane egcwele ngokongela umhlalaphansi nokulondoloza imali ngendlela ehambisana nezidingo zakho.
“Vele wenza kahle ngokongela abanye. Manje sekuyisikhathi sokuzenzela okufanayo.
“Okuhle kodwa,
Lumka.”