Amathiphu okuphatha imali kubantu abaqala ukusebenza, kuloba uNokwazi Chonco

KUNEZINTO ezibalulekile okufanele uzazi ngokuphatha imali uma uqala ukusebenza. 

Nazi ezintathu:

• Ungacabangi ukuthi fanele ulinde uze ube nemali eningi. Akuyi ngokuthi wenza imali engakanani kodwa okumqoka wukuthi uyihlelele kahle leyo mali osuke unayo noma kungathiwa incane kangakanani;
• Zifundise ngemali yakho ngokuthola izeluleko zokuthi ungayikhulisa kanjani imali;
• Yenza izinqumo ezinhle ngemali yakho ekuqaleni ukuze uthole inzuzo ngokuhamba kwesikhathi. Khumbula ukuthi zonke izinqumo ozithatha ngemali manje zinomphumela ngomuso. 

Nazi izinto eziyisisekelo sokuthi imali ikusebenzele:

1. Yiba nesabelomali; 

2. Londoloza imali;

3. Gada futhi wazi indlela osebenzisa imali ngayo. 

Isabelomali:

• Wukwakha uhlelo lokusebenzisa imali yakho zinyanga zonke khona uzobona ukuthi uzoba nayo yini imali eyanele ukufeza izidingo zakho;
• Kubalulekile ukuhlela ukuthi imali yakho iya kuphi. Loku kukusiza ugweme ukusebenzisa imali ungaboni, ugcine usumosha imali ngezinto ezingenasidingo; 
• Uma ufuna ukuphumelela kunoma yini, kufanele uhlele ngokucophelela. Kunjalo nje nangemali, isabelomali siyakulawula ungasebenzisi imali ngokungacabangi. Ungasuki ohlelweni lwakho, ziqhelelanise nezinto ongazihlelelanga.

Ukulondoloza imali:

• Akunandaba ukuthi uhola imali engakanani, qala ukonga ekuqaleni; 
• Bambelela ekongeni futhi uqonde ukuthi kuyisikhathi eside; 
• Kubalulekile ukubeka imali eceleni, uyilondoloze kwenye i-akhawunti ezokwenza inzalo;
• Ukonga kukusiza ugweme ukuboleka, ukwazi ukuzimela ngokwezimali;
• Ukonga akusho nje ukubeka imali kuphela, kuphinde kusho nokusebenzisa imali ngobuhlakani (ukunciphisa okufunayo, ugxile kokuyizidingo). Isibonelo nje, wukupheka esikhundleni sokuthenga ukudla osekulungele ukudliwa; 
• Gwema noma yiluphi uhlobo lwezikweletu (i-credit card, amakhadi okuthenga ezitolo zokugqoka) noma yiluphi uhlobo lokuthenga manje ukhokhe kamuva ngoba kunenzalo.

Landelela indlela osebenzisa imali ngayo:

• Kubalulekile ukuqondisisa ukuthi imali yakho iya kuphi. Isenti nesenti libalulekile. Akufanele neze ungazi wenzeni ngemali yakho nsuku zonke;
• Phila ngokwamandla akho. Gwema ingcindezi eqhamuka kontanga bakho ezogcina ikwenza uthenge izinto ongazidingi;
• Ekupheleni kwenyanga buyekeza isitatimende sakho sasebhange ukuze ubone ukuthi ululandelile yini uhlelo lwakho lwenyanga.

Ukuphatha nokufunda ukuphatha imali kulula kunaloku okucabangayo. Shesha uqale ukuze ikusasa lakho lezimali liqhakaze.

Ungaweli ogibeni lokuphilela inamuhla. Kumele ucabangele ikusasa. Ufisa ukuzibona usukuphi ngokwezimali emnyakeni emihlanu kuya kwewu-10 ezayo? 

Khumbula ukuthi izinqumo ozenza manje zinomphumela kozokuzuza ngomuso.

Ungapheli amandla. Uma ubona ukuthi uyaxakeka, vakashela abeluleki bezezimali abangowongoti. 

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