Imibuzo okufanele uyibuze umeluleki wakho wezimali maphakathi nonyaka
Ukuzibhekela wedwa isimo sakho semali kungabukeka kuwumqansa kodwa abantu abanabeluleki bezimali bayasizakala ngoba banomuntu obasiza ukufeza izinhlelo abazibekele zona.
Umeluleki wezimali eLiberty uNks u-Amanda Dusse uhlanganise imibuzo ebalulekile ongayibuza umeluleki wakho wezimali kule nyanga:
1. Ngabe uzigcinile izithembiso obuzibekezele zona?
Qala ngokubheka izithembiso obuthe uzozifeza uma kuqala unyaka. Ngabe ukwazile ukonga kakhulu, ukwehlisa izikweletu noma usuqalile ukutshala imali? Noma ngabe ukwazile ukufeza obukuhlelile noma ubuhlehlele emuva kokunye, yisikhathi sokubuyekeza izinhlelo zakho, ubheke okusebenzayo nokufanele ukushintshe.
“Siye sibenezinhlelo ezinkulu ngoJanuwari kodwa maphakathi nonyaka kufanele sibheke osekwenzekile. Ukubuyekeza izinhlelo zakho zezimali maphakathi nonyaka kuyakusiza ukuthi uthathe izinyathelo ezizokusiza ukufeza okuhlelile,” kusho yena.
2. Asikhulume ngesabelomali
Ziningi izinto ezingashintsha ezinyangeni eziyisithupha, okungaba amaholo, izindleko nezinto ezibalulekile empilweni. Ukubuyekeza isabelomali phakathi nonyaka kuyakusiza ubone lapho imali imoseka khona, ubone izindlela ezintsha zokonga futhi ufake imali lapho idingeka khona kakhulu noma ezintweni ezibalulekile. Umeluleki wakho wezimali uzokwazi ukukubonisa okufanele ukwenze, okuzohambisana nesimo sakho.
FUNDA NALAPHA: https://www.umbele.co.za/?s=Umeluleki+wezimali
3. Ngabe isikweletu siyakusiza noma siyakuklinya?
Bheka imali engenayo, uyiqhathanise noyisebenzisa ukukhokhela izikweletu. Kubalulekile ukwenza izinto ngendlela efanele, ungaze ungene eweni. Umeluleki wakho wezimali uzokwazi ukukubonisa ngokufanele ukwenze uma izikweletu zakho zikukhokhisa inzalo ephezulu futhi akusize ukuzihlanganisa uma kufanele futhi akulekelele ukulondoloza ngenkahti ukhokhela izikweletu.
4. Buyekeza imishwalense yakho nezindlela zakho zokutshala imali
Izimakethe ziyashintsha. Impilo iyashintsha. Izifiso ziyashintsha. Yenza isiqiniseko sokuthi umasingcwabisane wakho, umshwalense wempilo, owokukhubazeka nezinhlelo zakho zokutshala imali zihambisana nesigaba sempilo okusona. Ngabe unomshwalense omningi ngokweqile noma ongaphansi kwalowo owudingayo? Ngabe imali oyitshalile ikhula kahle? Yisikhathi esihle lesi sokuhlela kahle konke.
5. Unyaka omusha wentela, amathuba amasha
Sesingene esikhathini sokuqoqa intela, ngakho akufanele ulinde usuku lokuvala, lungisa izinto zakho zentela khona manje. Khuluma nomeluleki wakho wezimali ngokuthi ungazisebenzisa kanjani izikhwama zempesheni, ama-akhawunti okonga okungabanjwa intela kuwona nezinye izindlela zokonga ezinemihlomulo yentela.
Inhloso wukunyusa imali ozoyithola uma uthumela imininingwane yakho yentela wehlise amathuba okuthi kuthiwe ukweleta umqoqintela.
6. Ngabe imali esiza uma kunezimo eziphuthumayo isekhona?
Njengoba izindleko zempilo zinyuka futhi nomnotho ungakhuli kahle kubalulekile ukuthi ubenemali ezokusiza uma kuvela izimo eziphuthumayo.
Bheka ukuthi ngabe unemali eyanele ezokusiza uma kunoshintsho empilweni. Uma kungenjalo, umeluleki wakho wezimali uzokusiza wandise imali yezimo eziphuthumayo.
7. Ngabe basavikelekile abathembele kuwe?
Bhekisisa ukuthi abathembele kuwena basavikelekile yini ngokubheka ukuthi usabhale abantu abafanele yini empeshenini yakho, kumshwalense wempilo neminye eyenzelwe ukubavikela.
Phela impilo iyashintsha, abantu bayashada, bayahlukanisa futhi bayazala. Kubalulekile nokubhekisisa incwadi yakho yefa, qinisekisa ukuthi isabhalwe ngendlela ofisa ngayo, ukuze uma kwenzeka okuthile kuwe, abathembele kuwe bangasali dengwane.
Ukubuyekeza isimo sakho sezimali phakathi nonyaka yinto ofanele ukuyenza ngoba ikulethela ukuthula. Kuyakusiza ukuzazi ngesimo sakho sezimali nokuzihlelela kahle ingomuso.
“Izinhlelo ezinhle zezimali ziyashintsha uma impilo yakho ishintsha. Hlela umhlangano, ubuze imibuzo. Kufanele ulungise ukuze uhlale unezinhlelo ezifanele zemali.”
Okunye ngeLiberty:
I-Liberty yinkampani ephethwe ngokugcwele yiStandard Bank Group futhi ingezinye yezinkampani ezinkulu zomshwalense wesikhathi eside wabantu abanemali eNingizimu Afrika.
Yinkampani ethembekile esisebenze iminyaka engaphezu kwewu-60, iLiberty inemikhiqizo ehlukene edingwa ngabantu abafuna ukuzakhela umcebo, ukuvikela imindeni yabo nempilo yabo. Loku kwenziwa ngezinhlelo eziwu-3 000 zokusabalalisa imikhiqizo yeLiberty ukuhlomisa amakhasimende ngolwazi oluwasiza ukuthatha izinqumo ezifanele zezimali, ezihambisana nezigaba zempilo yawo.
Ukubangaphansi kweStandard Bank kusho ukuthi iLiberty isiza abantu baseNingizimu Afrika nabakwamanye amazwe ase-Afrika ngemikhiqizo efanele. I-Liberty Group Ltd iwumshwalense ogunyaziwe ukunika abantu imikhiqizo yezimali.
Qaphela:
Lolu daba alusona iseluleko sentela, somthetho, semali noma somthetho. Okuqukethwe kulolu daba kwenzelwe ukucobelela abantu ngolwazi kodwa hhayi ukuthi kubayalela ukuthi bakuthathe njengeseluleko sezimali.
Yize kuthathwe izinyathelo ezifanele ukuqikelela ukuthi ulwazi olulapha ngolufanele kodwa akufanele kujeziswe iLiberty uma kukhona okungashayi khona. Uyacelwa ukuthi uthinte umeluleki wakho wezimali ukuthola iseluleko sezimali.