Kunomehluko phakathi kwesikweletu esihle nesibi – umeluleki
YINTATHELI YOMBELE
UKUNYUKA kwamanani kagesi, akaphethroli nama-rates kuphoqa abantu baseNingizimu Afrika ukuthi baqaphele indlela abasebenzisa imali ngayo.
Usihlalo weNational Debt Counselling Association uNks uRene Moonsamy uthi abakubonile wukuthi abantu baseNingizimu Afrika uma benengcindezi yezimali bacaphuna imali yabo yempesheni ngokohlelo i-Two pot Retirement System noma benze izikweletu. Abanye bacela usizo lukameluleki wezikweletu ukwehlisa imali abayikhokhayo.
Uthe kubalulekile ukuthi abantu baqonde ukuthi kunesikweletu esihle nesikweletu esibi ngoba njengoba u-Ephreli kuyinyanga yokufundisa abantu ngezimali bathole izicelo eziningi zokululekwa ngezikweletu.
“Sibona abantu beboleka imali kakhulu ngenxa yokukhuphuka kwamanani ezinto ezihlukene. Kubalulekile ukuthi bazi umehluko phakathi kwesikweletu esihle nesibi. Sibone kubalulekile ukuthi sikuchaze kule nyanga loku ngoba abantu kufanele bahlome ngolwazi olufanele lwezimali,” kusho yena.
FUNDA NALAPHA: Ungadidwa wuthando lomuntu ungaboni izikweletu
UNks uMoonsamy uthi isikweletu esihle esikhokhekayo, esingamsindi umuntu futhi esimlekelela ukuthi akwazi ukuzithola esesimweni esihle sezimali. Wenze isibonelo ngokuthenga imoto ukuze umuntu aye emsebenzi noma angenise imali, ukuqhuba izifundo nokukhokhela ukulungisa umuzi.
UNks uMoonsamy, usihlalo weNational Debt Counselling Association
Uthi inzalo ekhokhiswa umuntu ngalezi zikweletu kufanele ihambisane nesimo sakhe sezimali, kubonakale ukuthi uzokwazi ukukhokha isikweletu kodwa akwazi nokuphila.
Okubaluleke kakhulu ngaso wukuthi kufanele sibenomphumela omuhle emlandweni wakhe wezikweletu, singamfaki ohlwini lwabathengi ababonakala bengathembekile.
Ubalule ukuthi i-National Credit Act iphoqa abantu ababolekisa ngemali ukuthi benze isiqiniseko sokuthi abathengi bazokwazi ukukhokhela isikweletu ngaphambi kokubakweletela. Kufanele futhi abathengi bakhulume iqiniso ngesimo sabo sezimali uma befuna isikweletu.
“Inkinga iqala uma abakweletisayo bengabahlolisisi abafuna isikweletu ngoba phela uma abantu bengaphansi kwengcindezi baqamba amanga ngemali engenayo nezinto okufanele bazenze ngayo. Loku kwenza isikweletu singakhokheki. Isikweletu esibi sinezindleko eziphezulu, asimsizi umuntu empilweni futhi asiyiphuculi,” kusho uNks uMoonsamy,
Wenze isibonelo sesikweletu esibi ngama-credit card okuthenga izinto ezibizayo ezingamsizi nokuboleka imali ukukhokhela izikweletu ezindaba.
“Kafushane, isikweletu esihle siyakusiza ukuthenga izimpahla nokuphucula isimo sakho sezimali isikhathi eside kodwa isikweletu esibi esibizayo, esisetshenziselwa izinto zesikhashana, esikwakhela igama elibi lokukweleta,” kusho yena.
Uthe akukubi ukusebenzisa isikweletu kodwa kufanele uzibuze ukuthi ngabe sizokusiza noma ngeke sikusize?
“Siyazi ukuthi abantu bangaphansi kwengcindezi ngenxa yokubiza kwezinto futhi bazithola beboleka kakhulu kunakuqala kodwa kubalulekile ukuthi baqonde umehluko wesikweletu esihle nesibi. Kubalulekile ukuthi bacele usizo uma izinto zingahambi kahle ngoba ukuthula kungabakhela igama elibi,” kucebisa uNks uMoonsamy.