Ukonga akusikona okwezicebi kuphela – umeluleki wezimali
YINTATHELI YOMBELE
UKUZE ungazitholi usuciciyela ezimalini ngomuso kufanele ubenezinhlelo ezicacile ngemali.
Sisho kanje isikhulu seFNB Cash Investments uMnu uHimal Parbhoo ngesikhathi sigqugquzela abantu ukuthi bonge imali noma sekudlule inyanga yokonga uJulayi.
U-Parbhoo uthe ukonga kudinga kuzinikela, ukuhlelela isikhathi samanje nesizayo. “Inyanga yokonga ikunikeza ithuba lokukusiza ukuthi uqonde ukubalulelka kokonga imali. Ukonga akukho mayelana nokubeka imali ezokusiza uma sekukubi kodwa kwenzelwe ukukunika ukuthula nokukwazi ukuhlelela impilo yakho yonke. Kubalulekile ukubanezinhlelo ofuna ukuzenza ezizokugqugquzela ukuthi wonge,” kusho yena.
Uthi ukonga akusho ukuthi kufanele uhole izizumbulu kodwa kufanele uqale ngaloko okuncane onako.
“Into ebalulekile wukubeka okuncane nyanga zonke. Uma izimo zishintsha kufanele ubheke izinhlelo zakho zokonga uqinisekise ukuthi zihambisana nesimo okusona sempilo. Kufanele uhlole isimo sakho sezimali okungenani kabili ngonyaka, uqinisekise ukuthi usonga kahle,” kusho uParbhoo.
FUNDA NALAPHA: https://www.umbele.co.za/2025/07/22/imibuzo-evame-ukubuzwa-ngabantu-ngokonga/
Uma usubheka isimo sakho sezimali, uParbhoo uthi kubalulekile ukubheka ukuthi une-akhawunti efanele yokonga, ehambisana nezidingo zakho zempilo. Ululeka ngokuthi akufanele ufake yonke imali endaweni eyodwa. Uthi kufanele kube ne-akhawunti yezidingo zakho zansuku zonke, kube neyokongela izimo eziphuthumayo neyokongela isikhathi eside.
Wenze isibonelo sokuthi umuntu angongela ukuya eholidini noma ukulungisa umuzi isikhathi esingangonyaka noma emibili, i-akhawunti emfanele yaseFNB yi-Flexi notice account.
Uma ufuna ukongela isikhathi eside noma imfundo yengane yakho noma ukuthenga umuzi uthi kufanele ubheke i-fixed deposit noma i-tax free savings account. Lama akhawunti uthi anenzalo ephezulu futhi enzelwe abantu abafuna ukonga isikhathi eside.
Ukutshala imali ezindaweni ezihlukene uthi akukona nje okwabantu abanezindodla zemali kodwa wonke umuntu kufanele ongele izikhathi ezihlukene nezimo ezihlukene zempilo. Loku uthi kuyasiza noma imalimboleko yehla noma inyuka.
Ukuqonda ukubaluleka kokukhetha imikhiqizo efanele yezihlelo zakho zokonga akusho lutho uma ingekho imali oyongayo. Kubantu abaningi inselelo enkulu wukuthola imali abazoyonga.
U-Parbhoo uthi imfihlo wukuqala umkhuba “wokuzikhokhela wena kuqala”. Kudingeka uthathe ukonga njengesikweletu okufanele usikhokhe nyanga zonke.
Yenza ukuthi kubenemali ephuma emholweni wakho nyanga zonke iye kwi-akhawunti yakho yokonga. Ukwenza lo mkhuba kuzosiza ukuthi ungenelwe yimali nyanga zonke ezoloku ikwenzela inzalo.
Uthi kufanele uqaphele ukuthi imali yakho yenzani ukuze uma uyimosa uzoqala uyisebenzise kangcono.
Ulwazi lwezezimali uthi lubalulekile ngoba ukuqonda ukuthi inzalo isebenza kanjani nokuthi ukwehla nokunyuka kwamandla emali kwenza muphi umehluko ezimalini luyasiza.
Uphethe ngokuthi inyanga yokonga, esanda kudlula, ikhumbuza abantu ukuthi ukonga akukona okweziqumama kodwa kufanele kubengokwawo wonke umuntu.
“Akongiwa nje ngoJulayi kodwa kufanele songe unyaka wonke. Akongi abacebile kuphela kodwa wonke umuntu angonga loko okuncane anako,” kuphetha yena.