INCWADI yefa kufanele isebenze njengesu lempilo yakho futhi ibe yingxenye yohlelo lwakho lwezezimali. Ifa lakho akufanele libhekwe njengencwadi ecatshangelwe kamuva noma njengencwadi eyinkimbinkimbi, kodwa kunalokho njengengxenye yohlelo lwefa olubheka zonke izici zokuphila kwakho.
U-Aneesa Razack, owumphathi omkhulu wase-FNB Fiduciary uthi, "Incwadi yefa iwuhlelo olunemininingwane yokuthi uzoyishiya kanjani impahla yakho enqwabelene, enkulu noma encane, kobathandayo uma usudlulile emhlabeni.
“Njengoba impilo iqhubeka, izidingo zabantu ziyashintsha, kudingeka siqinisekise ukuthi izifiso zabo zimelelwa kahle encwadini yefa, kungakhathalekile ukuthi izinguquko ezinkulu njengokuthenga indlu noma ukushada noma ukwenza noma yiluphi uhlobo lokutshalwa kwemali. Udinga ukukucabangela lokhu lapho wenza futhi ubuyekeza incwadi yakho yefa."
USenzo Nsibande, ongumphathi omkhulu wase-FNB Integrated Advice uyanezela, “njengenkampani edidiyelwe ngezinsiza zezezimali, sikhuthaza amakhasimende ethu ukuthi athintane nabeluleki babo bezezimali noma izikhungo zezimali, mayelana nendlela yokuhlela incwadi yefa ngokuvumelana nezifiso zabo nezimo ezihlukile.
“Amakhasimende kumele awasebenzise amathuba abafana nesonto lokwenza incwadi yefa mahhala ukuze afunde kabanzi ngokubaluleka kokuba nencwadi yefa. Okubaluleke kakhulu, ukuthatha isinyathelo sokuqala sokuyenza incwadi yefa."
I-FNB iveza izinto ezimbalwa okumele uzicabange uma kukhulunywa ngokucutshungulwa kohlelo lwefa nokubhala incwadi yefa:
– Ukuhlala nothandana naye: Nakuba ukwabelana ngazo zonke izinto ezithinta imali kukuhle kwezothando futhi kunenzuzo kwezezimali, kubalulekile ukuthi izithandani ziqaphele ukuhlelwa kwalo uma umuntu ngamunye enza incwadi yakhe yamafa.
“Uma wabelana ngezibopho zakho zezimali nomlingani wakho, njengekhaya noma imoto eniyithenge ndawonye, kufanele nibe nengxoxo evulekile mayelana nemikhawulo yezezimali noma izingozi eziyoba khona uma omunye wenu edlula emhlabeni.
– Abashadile - Abashadile abaningi basebenzisa ama-akhawunti asemabhange ahlangene. Kubalulekile ukuqaphela ukuthi uma umnikazi we-akhawunti eyinhloko yale akhawunti yasebhange ehlanganyelwe edlula emhlabeni, ibhange kudingeka ngokomthetho ukuthi liyimise i-akhawunti kuze kube ifa lomuntu oshonile selicutshungulwe ngokugcwele.
Lokhu cishe kuzobeka ubunzima bezezimali noma ingcindezi kumuntu ophilayo. Lokhu kuyasebenza nakulabo abafake izicelo zokubolekwa izindlu noma izimoto.
– Kwabadivosile - Yenza izinguquko ezifanelekile, ezidingekayo nezihambisana nesimo sakho samanje. Owawushade naye ngeke aziphumele emafeni akho ngenxa yokuthi senidivosile.
– Abathembele kuwe - Uma unezingane ezincane, nquma ukuthi ubani ozozinakekela uma wena nomlingani wakho nidlula emhlabeni. Uma ukhethe umnakekeli futhi wakufaka encwadini yakho yefa, kufanele futhi ucabangele ubuhlobo bakho nomnakekeli okhethiwe.
Bheka ukuthi lapho ozishiya khona izingane kuphephile futhi kuyindawo enhle yokukhulela. Okubaluleke kakhulu okufanele ukukhumbule lapha ukuqinisekisa ukuthi noma yini oyishiyela izingane zakho, isezandleni ezinhle.