Yonga imali: iziqumama nazo ziqale kanjalo

UKUBA yisiqumama esinezigidi zamarandi ebhange kungabukeka kuyinto enzima ukuthi yenzeke kunoma wubani, kodwa ukonga  yinto engenzima kakhulu uma uzibophezela ukuqala ukonga imali yakho. Ukonga kungathela izithelo ezibonakalayo empilweni yakho ngomuso.

Lokho kushiwo yisazi sophiko lwezezimali zabathengi eMomentum Group, uNkk Salem Nyati ngenkathi ecebisa abantu ngokumele bakwenze ukonga nokubeka imali ikakhulu kule nyanga uJulayi, owaziwa futhi ngokuthi yi-Savings Month - yinyanga okugqugquzelwa abantu ngayo ukuthi bonge futhi basebenzise imali yabo ngokucophelela ukuhlelela izinsuku ezinzima.

UNkk Nyati ukhiphe amathiphu angaba wusizo ukwenza lokho:

1. Yenza ukuthi imali yakho ikwenzele enye imali

- Iziqumama azihlali nensavunsavu yemali ezingazi ukuthi zizoyenzani, kunalokho ziyifaka ohlelweni lokuyilondoloza ukusiza ukuthi izalane, yande ngokuqhubeka kwesikhathi. Nawe uma ungaqala manje wenze kanjalo ngemali yakho encane onayo, ungakwazi ukuzenzela inzuzo ngokuhamba kwesikhathi. Indlela elula yokwenza lokhu wukuya ebhange olisebenzisa ukufaka nokukhipha imali ukuqala lolu hlelo kulona.

1. Gwema izikweletu eziningi

- Abantu abaphokophelele ukuceba bagwema izikweletu eziningi ezingenasidingo okungaba ngamakhadi okuthenga ngesikweletu ezitolo, ama-credit card nezikweletu ezahlukene. Lokho bakwenza ngoba beqonda kuthi lokho kushaya kuzwele ephaketheni, futhi kwenza ukuthi ungakwazi ukongela ikusasa lakho. Ngakho gxila ekukhokheni lezo zikweletu onazo, uqede ngazo bese uqhubeka nokubeka imali yakho ngendlela ofuna nofisa ngayo.

1. Zihlomise ngolwazi lwezezimali

- Awudingi ukuthi uze ube neziqu zomkhakha wezezimali ukuze ukwazi ukwakha ingcebo oyifunayo, kodwa ukuqala manje ufunde, futhi uzihluphe ngolwazi lwezezimali kungakusiza ukufeza lokho. Funda ukuthi inzalo yemalimboleko isebenza kanjani, uhlele indlela ozosebenzisa imali ngayo ufunde ukuthi kwenziwa kanjani, uyitshala kanjani imali ngendella ephephile bese wakhela phezu kwalokho. Abantu abacebile bahlale befunda nsuku zonke.

1. Yiba nohlelo lokuthi imali yakho uzoyisebenzisa kanjani

- Ukuhlela ukuthi imali yakho uzoyisebenzisa kanjani kwenza ukuthi ukwazi ukulawula imali yakho, futhi kukusiza ukugwema izikweletu, kwenze ukuthi ube nemali eningi oyibekayo. Yazi ukuthi yimalini oyenzayo, yimalini oyisebenzisayo nokuthi yimalini oyibekayo. 

1. Qala kancane, kancane manje

- Awudingi ukuthi uze ube nezinkulungwane zemali ngaphambi kokuqala uyibeke noma uyonge. Into emqoka wukuthi uqale kancane, kancane ngalokho onakho, bese uqhubeka ngokwakhela kulokho.