Cwangcisa imali yakho, ungadyarhazi

Lixesha leziyunguma, ixesha apho abantu baye basebenzise imali ngokugqithiseleyo.

Eli ikwa lixesha apho uluntu luzibona luthenga nezinto ezingenamsebenzi, luqhutywa yimali yebhonasi, abo bathe banethamsanqa lokuyifumana.

Konke oku kudyarhaza kuye kushiye unxunguphalo kwiintsapho ezininzi, ingakumbi xa kuqala nje unyaka.

Umcebisi kwezezimali uThabo Mandila weMandila Financial Services, ozinze eBerea eMonti uthi okubalulekileyo kukuba umntu acwangcise kwangethuba okanye aziqhelanise nabacebisi bezimali ukwenzela ukuba angaziboni egaxeleka ematyaleni xa kuqala unyaka.

“Amaxesha amaninzi uluntu luphela lusebenzela ukuhlawula amatyala unyaka aphele vuthu ngenxa yemali-mboleko ayenze kwinkcitho yexesha leziyunguma.

“Uninzi luphela lungayazi into oluyisebenzelayo, kungabiko nenkqubela kwikhaya lakhe okanye kubomi bakhe ngenxa yamatyala,” utsho uMandila.

UMandila uthi, abantu mabasebenzise imali yabo ngobunono kuba ekugqibeleni yeyabo. Ulumkise abo basebenzayo ukuba bohlukane nehlazo lokuthi libuyela emisebenzini libe seliboleka imali ekuhlaleni.

Ukwathe uluntu maliziqhelanise nokwenza isicwangciso semali sale nyanga kusaqala unyaka ukuzenzela ubomi lula.

Lo kaMandila ukwakhalimele abo baye baqhatheke ziibhanki bathabathe imali-mboleko kuba ibhanki leyo isithi ungakwazi ukufumana imali eninzi logama yena umntu ebeyokufuna encinane.

Uthi abaninzi bayagaxeleka kwiingxaki ezinjalo, “thatha le ubuzokuyifuna kuba iyakubalityala lanaphakade elo.”

Amacebiso kaMandila kulawulo-mali aquka ukuba:

* Yiba nomcebisi wezimali akucebise ukuba imali ungayichitha njani.

* Ezi zinto zilula ezifana nobisi, isonka, nokunye zifuna ukubekelwa imali yazo ecaleni.

* Thatha imali yebhonasi ngobunono, mayingabingathi urholele unyaka wonke.

* Yenza ikhadi lesibini uphungule imali, ze ulishiye kwindawo ezakusithela elinye ukulungiselela inyanga yoMqungu.

* Thenga impahla yesikolo ngeli xesha lokuphela konyaka kuba ziye zibize kakhulu xa kuqala unyaka.

abongile.ginya@inl.co.za