Ukugwema izikweletu kudinga ubuchule bokuphatha imali yakho

“UNGABE usazikhathaza kakhulu ngokuthi u-2026 uwuqale kabi noma kahle kanjani, ngoba manje yisikhathi sokuthi uzitshele ukuthi lona wunyaka wokulungisa, ukuqala kabusha nokuqhubeka ulungise konke okungahambi kahle ngemali yakho.”

Lawo ngamazwi kaNkk Salem Nyati, wophiko olubhekele ukufundisa abathengi namakhasimende ngemali eMomentum Group, ecebisa futhi ekhuthaza abantu ngokumele bakwenze noma bakuqaphele ukuze bazinzise isimo sabo semali kulo nyaka.

Uthe nakuba abantu bengeke bekwazi ukulawula noma yini enye eyenzekayo emhlabeni, kodwa kusemandleni abo ukuqikelela ukuthi imali yabo bayisebenzisa kanjani, lokho okudinga ukuthi kube khona izinto abaziqaphelayo, abaziqikelelayo nabazigwemayo.

UNkk Nyati ukhiphe amasu akholwa wukuthi abantu kumele bawalandele ukuze bazinzise ezemali :

I-Start-Stop-Continue:

Leli yiso elisebenza ngokuthi uzihluphe ngokuzibuka nokubheka ukuthi yini okumele uqale ukuyenza obukade ungayenzi ngemali yakho, bese kuba wukuthi yini okumele ukuthi uyeke ukuyenza, kuze kufinyelele kulokho okumele uqhubeke nokuthi ukwenzisise ukuze ugcine imali yakho izinzile, futhi ugweme ukusokola okudalwa wukungabi namali.

“Nakuba lezi zinyathelo zihluka kumuntu nomuntu, kuncike ekutheni isimo sempilo yakho simi kanjani, kepha kungakusiza ukusebenzisa okungenani imizuzu ewu-30 ukubheka ukuthi lokhu kungakusebenzela kanjani,” kucebisa uNkk Nyati.

Icebo lika-START:

Lisebenza ngokuthi udwebe uhlelo oluqondile olubheka ukuthi imali yakho uyisebenzisa kanjani, ubuke ukuthi yikuphi lapho esebenza kakhulu khona, uzibuke nokuthi ngabe sikhona yini isidingo sokuthi kube njalo. Yilapho okusuke kumele ukuthi uklame imali yakho ngendlela efanele, uqikelele ukuthi kukho konke okwenzayo ngayo, kuba khona noma yingcosana nje oyibeka eceleni ukuthi ikulondoloze noma ikusize ngezikhathi ezinzima.

“Zijwayeze nokubheka ukuthi i-score sakho sezezikweletu simi kanjani, okungakusiza ukubheka ukuthi umi kanjani uma kuza kwezezikweletu, futhi usizakala ngokuthi kudwebeke iithombe sokuthi izinkampani nezinhlaka ezibolekisa ngemali zicabangani ngawe,” usho kanje.

Icebo lika-STOP:

Lokhu kuwukuthi uyeke ukuboleka imali ofuna ukuyisebenzisela ukuphila impilo owazi kahle kamhlophe ukuthi awunawo amandla ayo. Inqwaba yezikweletu ezishaya ngenzalo enkulu, amakhadi okuthenga ngesikweletu nokuthembela kakhulu komashonisa ababolekisa ngemali ngokungagunyaziwe - kungenza ukuthi impilo yakho ime ndawonye isikhathi eside. 

“Kukho konke ocabanga ukusebenzisa imali yakho kukho, zibuze ukuthi ungakwazi yini ukukuthenga kabili kungezweli kuwena? Uma kuwukuthi ngeke ukwazi ukuthenga leyo nto noma leyo mpahla kabili kungabi nankinga, kusho ukuthi awunawo amandla anele okuthi uyithenge leyo nto, ngakho kungakusiza ukuthi ungaze uzixake ngayo. Okunye futhi okusizayo wukuthi ungathandeli izandla isikhathi eside ungahleli ukuthi imali yakho uyisebenzisa kanjani, ngakho zama ngakho konke okusemandleni akho ukugwema ukuthenga izinto ongazidingi nezingenza ukuthi uhlale ungenamali,” kucebisa uNkk Nyati.

Icebo lika-CONTINUE:

Lokhu kusho ukuthi kumele uqhubeke uzihluphe ngolwazi ngemali ukuze ukwazi ukuphatha imali yakho ngendlela efanele, futhi kungabi nasikhathi namzuzu lapho uyeka khona ukuzihlupha ngezindlela zokuphatha imali yakho ngobunono. 

“Ungayeki futhi ukuba namaphupho amakhulu ngemali yakho, ngoba lokho kungaba yisinyathelo esihle esingakusiza ukhuthale ukuthi wenze izinto ezizohambisana nemigomo yokuhle ofisa ukukufeza nokukwenza ngemali yakho,” kusho uNkk Nyati.