Ukuluthwa yinjabulo yamaholidi kungakuqhatha nezikweleti ngoJanuwari

ISIKHATHI samaholidi kaKhisimusi noNcibijane yilapho abantu abaningi, ikakhulu abasebenzayo abasuke bejabule kakhulu njengoba ezinkampanini eziningi kuba nemihlomulo yemali yokujabulisa abasebenzi ebizwa ngamabhonasi phecelezi i-13th cheque.

Ngenxa yokubona ukuthi iningi lalabo bantu abasuke behlomule ngale mali liyaye lingakuhleleli kahle ukuthi lizoyisebenzisa kanjani, abeluleki bezezimali sebekhiphe izexwayiso namasu ezindlela abangazisebenzisa ukuze leyo mali ibasebenzele, futhi ingapheli bengenzanga lutho  oluhle ngayo.

Isikhulu esiphezulu sophiko lokutshala imali ebhange iFirst National Bank (FNB), uMnuz Himal Barbhoo, sikhiphe amathiphu esibona ukuthi angasiza abantu ukuze  bangamoshi imali ngala maholidi.

Nakhu okunye acebise abantu ukuthi bakwenze noma bakugweme uma sebebhonasile:

1. Yiba nohlelo lokusebenzisa imali, unamathele kulona: Lokho ungakwenza ngokuthi wenze uhla lwakho konke okuzodinga imali ozodinga ukukwenza ngalesi sikhathi, bese ugxila kulokho obona ukuthi kumqoka kakhulu kunokunye, ungenzi noma yini ngoba unemali.
2. Thenga uma kunesidingo: Ngalesi sikhathi kuba nemititilizo yamanani aphansi emikhiqizweni ehlukene, okungenza ukuthi uheheke ukuthenga ngisho kungenasidingo, bese uyazisola ungasenamali, ekubeni izobe ingekho into ebambekayo oyenzile ngemali.
3. Gwema ugibe lwezikweleti: Lokho ungakwenza ngokuthi ugweme ukuhlale usebenzisa ikhadi lakho lokuthenga ngesikweleti ngamabomu, ngoba uzosala nesikweleti esikhulu, ekubeni kungekho okubambekayo ozobe ukwenzile ngemali yakho.
4. Hlelela uJanuwari ngoba awukude njengoba ucabanga: Uma uzobhubhudla yonke imali ngalama holidi uzoba nenkinga enkulu ngoJanuwari sekumele ukuthi ukhokhele izindleko zemfundo yezingane, umfaniswano wesikole, imali yokugibela nokunye okweyamene nalokho.
5. Ungakhohlwa wukubeka imali yezimo ezibucayi neziphuthumayo: Impilo ihlale izoba nezinto nezimo ezenzekayo ezivele zidinge imali ngokushesha ukuze zilunge njengokufa kwemoto, ukugula nokunye okunjalo. Ngakho kuhle ukuthi kukho konke okwenza ngemali yakho, kube khona imali oyibekela izimo ezinjalo.

Isikhulu sophiko lwezezimali eConsult by Momentum, uNkk Boitumelo Ndimande, sicebise abantu ngokuthi ngaphambi kokuthi basebenzise amabhonasi abo, kudingeka baqonde ukuthi uDisemba yisikhathi esifishane kabi sonyaka, nokungamele bavumele ukuthi sibaluthe kalula.

“Ngakho kungakusiza ukuthi ube nohlelo oluqondile lwezinto odinga ukuzithenga nokusebenzisa imali yakho kuzona, bese uhoxisa lokho okungenasidingo nokuzobe kungaphuthumi ngalesi sikhathi, ukuze kube lula ukubona ukuthi imali yakho iphelele kuphi futhi kanjani,” kucebisa uNksz Ndimande.

Naye ukhiphe amathiphu angasiza abantu ngalesi sikhathi:

1. Hlela imali yakho ngononina: Indlela engasiza wukuthi kuthi lapho uthola le mali, uvele uqale ngokuyihlukanisa nokuyicaza ukuthi uzoyisebenzisa kanjani ngale nyanga, bese futhi ubeka eceleni ezokusiza ezidingweni zangoJanuwari ukusiza ukugwema ukuqala unyaka ngokwenza inqwaba yezikweleti ebezingagwemeka.
2. Bheka izindllela zokuyonga nokuyibeka: Lokho ungakwenza ngokuthi uvele uyibeke uma ubona ukuthi akunasidingo esingako sokuthi uyisebenzise, ungajahi ukuthi usebenzise yonke imali yakho ngoba ubona sengathi iningi kakhulu ngaleso sikhathi.
3. Sebenzisana nomeluleki wezezimali: Umeluleki wezezimali uzokusiza ngokukweluleka nokukubonisa ukuthi imali yakho kumele uyisebenzise kanjani, nokuthi enze ubone ezinye izindlela ongazisebenzisa ukuze imali yakho ikusebenzele.