Emxhakeni

IMPILO inzima kuwo wonke umuntu waseNingizimu. Lukhombisa loku ucwaningo olusha oluveza ukuthi abantu abahola uR50 000 ngenyanga badinga u-103% womholo wabo ukukhokhela izikweletu. Okusho ukuthi umholo wabo awanele ukuthi bakhokhe izikweletu zabo.

KUSUKELA namhlanje kuze kubemhlaka-30 kuqala isonto lokufundisa abantu ngokuphatha imali ngobuhlakani iMoney Smart Week South Africa.

UMXAZULULI wezindaba ezithinta izikhungo zezimali ukhathazekile ngezinkampani zomshwalense ezingabanxephezeli abantu uma belahlekelwe amaselula ngenxa yemigomo nemibandela engachazwa ngendlela efanele.

UMXAZULULI weziNdaba zemPesheni uMnu uLeboganga Magashoa uzincisha umoya izikhwama zempesheni ezingawenzisisi umsebenzi njengoba efuna abaphathi besikhwama sempesheni ebesigweve noR325 000 yomufi bachaze.

UMLAWULI wemboni yezimali iFinancial Sector Conduct Authority (iFSCA) uhlawulise izinkampani eziphula umthetho wokusebenza ngemali uR2,89 billion.

ININGIZIMU Afrika ayiswele okungatshalwa emnothweni ukuze ukhule futhi kuvuleke amathuba emisebenzi kodwa eshoda ngakho yizinhlelo esezilungele ukuthi abatshalimali bafake imali kuzona.

KUZOSA ngokunye kwizelamani ezizitshela ukuthi izingane zakubo ezifa zingashadile zizowashiyela umndeni amafa azo njengoba umasihlalisane enikwe ingxenye kaR8,3 million embangweni wempesheni yomufi.

EMVA kweminyaka kusebenza irandi ukukhokhela izimpahla uma kuhwebelana amazwe ase-Afrika eseningizimu sekuzosebenza nekwanza lase-Angola.

BANGAPHEZU kwango-70% abantu baseNingizimu Afrika abanokhwantalala ngenxa yokukhuphuka kwezindleko zokuphila ezingahambisani nemali abayitholayo.

KUYE kubenokungatholani phakathi kwama-Gen Z, abantu abazalwe phakathi kwango-1997 kuya ngo-2012 nabantu abadala. Bavame ukubizwa ngama-2000 futhi banolimi lwabo oluhlukile abalusebenzisayo, yindlela yokuziphatha nesiko labo.

INGCINDEZI yezindleko zokuphila iqhubeka nokuklinya abathengi baseNingizimu Afrika, njengoba amanani aphezulu kaphethroli nogesi, ukunyuka kwesikweletu sikamasipala nezindleko zomshwalense sekudla ingxenye enkulu yemiholo yemizi eminingi.

SIYANDA isibalo sabantu asebezihlupha ngezindaba ezithinta impesheni eNingizimu Afrika, okufaka nabahola imali encane. Nokho abaningi kusaba yinto abayicabangayo, hhayi abayisukumelayo.

MINYAKA yonke ukuqala kukaJulayi kusho isikhathi sokubika ngentela kwabakhokhintela eNingizimu Afrika. I-South African Revenue Service (iSars) isimemezele ukuthi sesifikile isikhathi sokubika ngentela nokubuyelwa yimali phecelezi i-filing season.

NJENGOBA kudlange ukungabibikho kwemisebenzi, iNingizimu Afrika ibhekene nokubhebhetheka komkhuba wamaqola asebenzisa abantu abaswele nentsha. Loku sekwenze kwanda “kwama-akhawunti eminyuzi”, ubuqola bokuthi izigilamkhuba zishushumbise imali zizifihlile.

I-SOUTH African Revenue Service (iSars) igubha usuku lwamabhizinisi amancane i-Small, Medium and Micro Enterprises (i-SMME) Day ngohlelo lokuwalekelela ezweni lonke ngenxa yokwazi iqhaza lawo ekukhuliseni umnotho nokuqoqa intela.

ABANTU abaningi baseNingizimu Afrika babhekene nesimo sokuthi uma kungabanomshophi owodwa kungabheda isimo sabo sezimali. Kungabawukudilizwa emsebenzini, ukugula noma ukukhubazeka, isimo sezimali emakhaya abantu ezweni lonke siyaqhubeka nokubabucayi ngenxa yokunyuka kwezindleko zokuphila nesimo somnotho esicikizelayo.

UCWANINGO olusha olwenziwe yinkampani esiza abantu abanezikweletu iDebtBusters luthole ukuthi ukunyula imali yomhlalaphansi ebhodweni nokwehla kwemalimboleko kubasizile abantu kodwa ukukhuphuka kwezindleko ngenxa yezinkinga ezenzeka emhlabeni kubafake ezikweletini.

NJENGOBA abantu baseNingizimu Afrika bethwele ijoka lokukhuphuka kwezindleko zokukhuphuka namanani ezidingo, iFNB isize nezinhlelo ezizobasiza ukuphatha kahle imali yandisa nezinhlelo zokukhokhela izimpahla ngobuchwepheshe zamahhala. 

ISIKHWAMA sempesheni yezisebenzi zomasipala siyalelwe ukuthi sikhokhe imali yesisebenzi esifuna ukuyinyula ebhodweni lempesheni.

SEZIQALILE ukukhokha izikhwama zempesheni ezingasheshisi ukuphendula abantu njengoba umXazululi weziNdaba zeMpesheni uMnu uLebogang Mogashoa eyalele isikhwama ukuthi sikhokhe imali isihamba nenzalo.

ISIKWELETU siyingxenye yempilo yabantu ngoba abaningi ngeke bakwazi ukuthenga imizi, izimoto nokukhokhela imfundo yezikhungo eziphakeme ngaphandle kwaso.

UKUNYUKA kwamanani kagesi, akaphethroli nama-rates kuphoqa abantu baseNingizimu Afrika ukuthi baqaphele indlela abasebenzisa imali ngayo.

INKAMPANI esebenzisa ubuchwepheshe ukuthola izimoto ezintshontshiwe iCartrack izohlawula uR5 million ngokungavikeli abathengi.

ABANTU abaningi baseNingizimu Afrika bazitshela ukuthi uma ufaka isicelo sesikweletu noma ususikhokhela usuke ungenamalungelo, bazitshela ukuthi izinkampani ezibolekisa ngemali yizona kuphela ezivikelwa wumthetho. 

IMPI  eseMiddle East izonyusa amandla emali bese kunyuka izindleko zokuthutha kubantu abanezimoto zabo nakwabahola kakhulu kodwa abazoshayeka kakhulu abahola kancane. 

SEZIQALILE ukuhlawulela isikhathi ezisimosayo izinkampani zezikhwama zempesheni eziphuza ukukhokhela abantu imali emva kokuthi iHhovisi lomXazululi weziNkinga zemPesheni seliyalele ezimbili ukuba zikhokhele abantu imali yabo.

AKUNAMBITHISISEKI ukuqala umshado ngokuxoxa ngezinhlelo zemali uma izithandani zisanda kushada kodwa njengoba siphuma enyangeni yothando izindaba zemali zibalulekile kwizithandani.

ISINQUMO esisanda kukhishwa yiNkantolo yomThethosisekelo esigcwalisa ukuthi eNingizimu Afrika yonke imishado yesintu ihlanganisa amafa sisho ukuthi kubalulekile ukuhlelela amafa omuntu. Isho ukuthi kubaluleke kakhulu ukuqonda imiphumela yomthetho kubantu abahlela ukushada.

ABANTU akufanele babuke ukuthulwa kweSabelomali ezweni lonke njengento eyisimemezelo sosuku olulodwa. Kunaloko kufanele basibheke njengento engabasiza ukwenza izinqumo ezithinta imali nsuku zonke. 

UBUNZIMA besimo sezimali, obuvame ukudalwa yizinhloso ezinhle kodwa ezingaqondakali egameni lothando, bungaphazamisa isimbo sabantu abathandanayo bobabili.

I-STANDARD Bank Personal and Private Banking iphuthumisa uxhaxha lwayo lwamagatsha ukuhambisana noshintsho endleleni amakhasimende asenza izinto ngayo nokuncipha kwezindawo ezisebenzisa imali ewukheshi njengoba kwanda amagatsha angeke esaphatha imali kulo nyaka.

I-FINANCIAL Sector Conduct Authority (iFSCA) ixwayisa umphakathi ukuthi uqaphele abantu abazenza lo mlawuli wemboni yezimali nesisebenzi sayo. 

ABANTU abaningi baseNingizimu Afrika bakuthola kunzima ukuthola izikweletu noma ukuboleka imali ngoba abakaze babenezikweletu, abanye abazitholi ngenxa yamaphutha abawenza asengcolise igama labo lokukweleta. 

NJENGOBA sekudlule ubumnandi bangoDisemba nabantu sebefuna ukuqala impilo kabusha, amaqola acuphe zinkalo zonke ukuthatha loko okuncane abanako.

PHEZU kokwehla komthwalo emahlombe abantu baseNingizimu Afrika njengoba iBhange lomBuso lehlise imalimboleko kodwa iningi lisacwile ezikweletini.

LELI sonto lisetshenziselwa ukuxwayisa abantu ngokukhwabanisa nezinye izinhlobo zokuqolwa kwabantu emhlabeni jikelele. 

KUPHELILE ukushaya indiva izinqumo zomcwaningimabhuku-jikelele njengoba eseqalile ukujezisa abantu abangawulandeli umthetho wokuphatha imali.

ASISEKHO isidingo sokuthi izivakashi eziza eNingizimu Afrika zishintshe imali njengoba amabhizinisi awu-16 000 asebenzisana neStandard Bank esezokwazi ukumukela imali yamazwe ahlukene. 

USOSESHINI wabaluleka ngezikweletu eNingizimu Afrika iNatioal Debt Counselling Association (iNDCA) ufuna kuchitshiyelwe umthetho wezikweletu i-National Credit Act, ukuze kungabikhona abeluleki abangagunyaziwe kule mboni.

UKUQINISEKISA ukuthi abantu basemakhaya abangeni ezindlekweni uma bethunyelelwe imali, iStandard Bank isiyenze ukuthi imali ethunyelwa ngohlelo lwayo lwe-instant money ikhipheke nakumaspaza. 

KUXWAYISWA abantu baseNingizimu Afrika ukuthi baqaphele “izindali” ze-Black Friday njengoba kuza lolu suku oluthathwa njengokuthi lusuke lunemititilizo eminingi. 

UKUSUKA emholweni wokuqala ufinyelele ekukwazini ukuthenga umuzi wokuqala kuwuphawu lokukhula. Nokho kubantu abaningi abasanda kuqala ukusebenza loku sekuthatha isikhathi eside kunakuqala.

SEKUPHELE unyaka uhulumeni waseNingizimu Afrika wavumela abantu ukuthi banyule imali ezikhwameni zabo zempesheni ukuze benze izinto ezibaxinile. 

BAWU-250 000 abantu baseNingizimu Afrika abalulekwa ngezikweletu kanti njalo ngonyaka bakhokha uR15 billion ngazo.

INKAMPANI enkulu yobuchwepheshe bemali iMuruku imemezele ukuthi isizosebenzisana neMoneyGram, inkampani yobuchwepheshe bemali emhlabeni. 

ABANTU besifazane bathuthuka kakhulu uma kukhulunywa ngokubanezimpahla. Izibalo ezisanda kushicilelwa zaseStandard Bank zikhombisa ukuthi bathenga kakhulu imizi nezimoto.