Hloma ngomeluleki wezezimali ukugwema ukuphundlwa yisehlukaniso
UNKK Cebile Zibi, inhloko yophiko lwezokumaketha nezokuxhumana eMomentum Advice, eGoli
Image: SIMANGALISO NTSHANGASE
NJENGOBA kuqhubeka kwanda izigameko eziholela ekutheni abantu abasuke beganene baze banqume ukuthi bahlukanise, lesi simo sivame ukuthi sibe ngesithikameza kakhulu ikakhulu kwezezimali kulabo abasuke bebhekene naso.
Nakuba kuvame ukugxilwa kakhulu emaswini ezomthetho nokunye okweyamene nalokho, kepha umonakalo omkhulu wezezimali odaleka lapho udalwa wukuthatha izinqumo ezithile uxhamazela, nokwehluleka ukuklama kahle impahla okuhlukaniselwana yona.
Inhloko yophiko lwezokumaketha nokuhwebelana esikhungweni sezezimali esizimele iMomentum Group, uNkk Cebile Zibi, ithe imfihlo yokuqinisekisa ukuthi ukwehlukanisa nomuntu oshade naye akukugqilazi emqondweni, wukuthi uthole usizo lokwelulekwa ngezezimali.
Uthe ukuhlukanisa ngezinye zezinqumo ezenzeka empilweni ezishaya kuzwele emoyeni nasemalini, yingakho kudingeka ukuthi kube nezinto oqaphelisisayo ukuthi uzengamela kanjani ukuze kungabi kuningi kakhulu okukuhlupha emoyeni ngaleso sikhathi.
"Kumqoka ukuthola ithimba lezomthetho elinamandla futhi eliwaziyo umsebenzi, kepha futhi kuyadingeka ukuthi ube nomuntu ozokweluleka ngokwezimali futhi ozokusiza ukuthi uvikele izinto zakho ozisebenzela kanzima, akusize ukuhlomela ikusasa, bese futhi wenza izinqumo eziphusile ngaphambi kokuhlukanisa kusaqhubeka lolo hlelo nalapho seluphelile," kucebisa uNkk Zibi.
Eqhuba, uthe abantu abaningi abasuke beshadile babambelela esivumelwaneni esenziwe andukuba bashade kangangokuthi yisona abama ngaso enkantolo, bakhohlwe wukuthi nalapho kusuke kudingeka umeluleki wezezimali ukuze uqonde kangcono ezinye izinto.
Uthe kumele niqonde ngokuphelele ukuthi umuntu nomuntu uza nani emshadweni kubalwa impahla abanayo, izikweletu nabakufisela ingomuso. Uthe uma nikhetha uhlobo lomshado enizolushada, okungaba ngohlanganisa noma uhlukanise amafa, kumele ukuthi nikwenze nibe nibheka ukuthi yini enihlela ukuyenza nokuyifeza eminyakeni ezayo, hhayi ngoba nibuswa wukwesaba.
"Okunye okubalulekile okumele nikwenze wukuthi umuntu azenzele uhlelo lwemishwalense, impesheni, nemali ayitshalile okuqondile ukuhlomela noma yini eyenzekayo uma kwenzeka nihlukana. Abantu abaningi abashadile bavame ukuxoxa ngezothando, bese bekhohlwa wukuqaphela lezi zinto ezimqoka, ngakho umeluleki wezezimali usiza lapho ngoba yena ukhipha amasu ngokungachemi nohlangothi oluthile, kepha ngeqiniso nangobuqotho," kusho uNkk Zibi.
"Isikhathi sokwehlukanisa nomuntu omthandayo sisuke sinzima kangangokuthi yilapho abantu bevame ukuthatha izinqumo bengacabangisisanga, yingakho kusiza ukuthola umuntu ozokusiza ukuthi wehlise umoya ngaphambi kokwenza into ongazisola ngayo ngomuso," usho kanje.
Umeluleki wezezimali angasebenzisana nethimba lakho labameli ukufeza lokhu:
- Ukubheka futhi ahlole uhlobo lwempahla onayo nokunye okunjalo ukuze kubonakale ukuthi kumele ukuthi lolu hlelo ulusingathe kanjani.
- Ukukusiza ukuthi indlela enihlukanisa ngayo impahla yenu ingakucindezeli kube kungafanele.
- Ukubheka ukuthi ikusasa lakho lizoma kanjani nokuthi indlela enihlukanisa ngayo izoba namthelela muni kubhekwe phambili.
Nakhu umeluleki wezezimali angakusiza ngakho uma sewuhlukanisile:
- Ukuhlela kabusha ukuthi imali nomnotho wakho ukusebenzisa kanjani kubhekwe phambili.
- Akuhlelele kabusha imali oyitshalile kanjalo naleyo ebekelwe umhlalaphansi.
- Ukubuyekeza incwadi yefa lakho nabantu okumele bangene noma baphume kuyona.
- Akwenzele ezinye izinhlelo zokusiza ukuthi izingane zivikeleke futhi zibe nekusasa eliqhakazile.
"Ummeli ukusiza ukuthi uphume emshadweni ongasafuni ukuba kuwona, bese umeluleki wezezimali ekusiza ukuthi ungasali ungenamali emva kwaleso simo," kucacisa uNkk Zibi.