KUJWAYELEKILE ukuthi uma umuntu efuna ukuthatha isikweletu acelwe ukuthi aveze ipayslip ukuze kubonakale ukuthi uhola malini.
I-payslip yilona phepha eliqinisekisa ukuthi:
•Unomsebenzi wesikhathi eside noma owenkontileka yesikhathi esithize;
•Uhola imali engakanani nyanga zonke uma intela isithathiwe;
•Yimiphi imihlomulo oyitholayo emsebenzini wakho engakusiza uthole kalula isikweletu osifunayo. Umhlomulo wecar allowance usiza kothenga imoto bese kuthi ihousing allowance isiza othenga indlu.
•Ikhona yini imali ethathwa emholweni womsebenzi ngenxa yomyalelo wenkantolo otshela umqashi ukuthi ayibambe nyanga zonke – garnishee.
Yonke imininingwane ekwi-payslip yenza kube lula ukuthi ibhange lihlaziye isicelo sakho sokuthola isikweletu. Kodwa, kwenzeka njani uma unganeyo ipayslip kodwa kukhona imali oyitholayo nyanga zonke?
Ngenxa yokwenyuka kwesibalo sabantu abazisebenzayo, baningi abafuna ukuthenga izimoto ngesikweletu kodwa ngenxa yokuthi abaqashiwe ngokugcwele emsebenzini bagcina bengazi ukuthi benze njani.
Abanolwazi ngezezimoto bathi umuntu uyakwazi ukucela isikweletu semoto ebhange ngisho engenabo ubufakazi bokuthi uyasebenza, njengepayslip.
“Ngisho ungenayo incwadi eqinisekisa ukuthi uhola malini ngenyanga, amabhange ayakwazi ukukunika imali,” kusho ungoti.
“Umuntu onencwadi eqinisekisa ukuthi uhola malini ngenyanga udinga isitatimende sezinyanga ezintathu sasebhange uma efuna isikweletu semoto kodwa ongenayo udinga isitatimende sasebhange sezinyanga eziyisithupha.”
Ubephendula ngemuva kokuthi kunowesilisa obuze ukuthi engayithola kanjani imoto engenayo incwadi eqinisekisa iholo. Uthe icredit score yakhe ingaphezu kuka-600.
“Icredit score yakhe isho ukuthi ukhokha kahle izikweletu kodwa kubalulekile ukuthi esitatimendeni sakhe sezinyanga eziyisithupha kumele kuvele ukungena kwemali ngenyanga.”
Uthe akubalulekile ukuthi imali engenayo iyefana kodwa kumele isondelane.
“Lokhu kwenza ukuthi ibhange libone ukuthi mamncane amathuba okuthi angahluleka ukukhokhela imali yemoto zinyanga zonke.”