Umeluleki wesifazane namasu okubeka imali kusaqala unyaka
UMELULEKI wezezimali uNkk Cebile Zibi, namasu okonga nokubeka imali kwabazizwa bexinekile kwezezimali ngoJanuwari
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“NAKUBA uJanuwari waziwa ngokuthi yinyanga ende nedonsayo ukwedlula zonke izinyanga zonyaka, kepha futhi kulele kulowo nalowo muntu ukuqinisekisa ukuthi le nyanga iba yisiqalo sohambo lokuhlela indlela umuntu azosebenzisa imali yakhe ngayo ukuze acabe indlela yekusasa.”
Usho njalo umeluleki wezezimali obuye abe yinhloko yophiko lwezokumaketha nokuhwebelana iMomentum Advice, uNkk Cebile Zibi, ngenkathi ecebisa abantu ngokumele bakwenze noma bakugweme ukuqinisekisa ukuthi baqala unyaka ngonyawo oluhle uma kukhulunywa ngemali yabo.
UNkk Zibi uthe lesi yisikhathi esihle impela sokuqala uhlelo lwakho lokulondoloza imali, ngokuthi usebenzise ingcindezi obhekene nayo ngalesi sikhathi ukuthatha izinqumo ezinqala nezmqoka futhi ezizokwenza ukuthi imali yakho ilondolozeke unyaka wonke.
“Ngaphambi kokuthi uze uzibekele inqwaba yemigomo okungenzeka igcine ikwehlula, qala ngokuqonda isigaba sempilo okusona manje, bese wenza uhla lwezidingo ezimqoka nongeke ukwazi ukuzibalekela njengemali yezindleko zokufunda kwezingane zakho, imali yokugibela ukuya esikoleni nasemsebenzini, eyokudla nokunye okumqoka.
“Lokho kukusiza ngokuthi kucace futhi kube sobala kuwena ukuthi yini okumele uqale ngokuyikhokhela ngokushesha ingakapheli le nyanga, bese kuthi imali esala lapho usungayisebenzisa kokunye okungaphuthumi. Okunye okumqoka wukuqikelela ukuthi kuba khona noma okuncane okubekayo, ungabe usushaya uvala yonke imali,” kucebisa uNkk Zibi.
Eqhuba, uthe okunye okusiza kakhulu ngalesi sikhathi wukuqhathanisa amanani ezinto ofuna ukuzithenga, bese uthenga lokho okungamanani onamandla okuwakhokha ngoba kusuke kumele uqinisekise ukuthi wonga lelo nalelo senti lemali yakho ongakwazi ukuyonga ngalesi sikhathi.
“Zijwayeze ukupheka ekhaya, udle ukudla kwesipuni - ukuze kugwemeke ukumosha imali ngokudla okusheshayo okuthenga ezitolo noma ezindaweni zokudlela. Okunye futhi okungakusiza wukubuyekeza zonke izinto ozikhokhela zinyanga zonke, bese uhoxisa lokho obona kungenasidingo kangako okwamanje uze usimame ngokuphelele,” kusho uNkk Zibi.
Uthe okunye abantu okumele bakukhuthalele wukuhlale bexhumana nabeluleki bezezimali, kube wumkhuba wabo abawenzayo nje kungonakele lutho, ukusiza ukuthi bathole amasu nezindlela ezingabasiza ukubeka nokonga imali yabo.
“Ukwelulekwa ukuthi imali yakho uyisebenzisa kanjani kusiza ngokuthi uvuleke amehlo ngezinto okungenzeka ukuthi ubungazinakile ezishaya zivale imali yakho, bese kukusiza futhi ngokuthi ube nohlelo oluqondile lokuthi imali yakho uyilondoloza kanjani,” usho kanje.