Iziqhamo zokwenyani zokunyuka kwexabiso lepetula

Sonke sele sisazi ukuba kwenzeka njani- kwaziswa isaziso sokunyuka kwexabiso lepetrol, emva koko ngoLwesibini wokuqala enyangeni kubekho imintyangampo yemoto ezifolele ukwetha ipetrol kwizitishi sokwetha.

Ngalo mzuzu ndibhala eli nqaku, ilitha ka-93 kunye neka 95 yepetrol ixabisa phakathi kwe-R15.96 kunye neR16.13 ukugcwalisa itanki lemoto yakho.

Nangona kunjalo ngaphandle kokubhatala kakhulu kwipetrol, yeyiphi enye indlela elikuchaphazela ngayo olu nyuko lwepetrol?

Eli lixa usajonge indlela eliza kukuchaphazela ngayo olu nyuko lwepetrol kwindlela ocwangcisa ngayo imali yakho, umelwe kukuba uqwalasele nendlela eliza kukuchaphazela ngayo indlela obuphila ngayo ubomi bakho.

Xa unika ingqwalasela indlela ekuchaphazela ngayo ukunyuka kwexabiso lepetrol kubalulekile ukucinga ngokunyuka wamanye amaxabiso (inflation)

Iingcali zezezimali zidla ngokubhekisela kwiziphumo zokunyuka kwexabiso lentengo iya kuba nexabiso lentengo. Kuthetha ukuthini oku kubantu bonke baseMzantsi Afrika?

Ixabiso lemali lenyuka ngokubanzi kwintengo yempahla kunye neenkonzo kunye nokuwa ngokufanayo kumandla okuthenga kwemali yakho.

Oku kwenzekayo xa imali yakho ingakwazi ukuthenga inani elifanayo lempahla kunye neenkonzo kunexesha elidlulileyo.

Into ebalulekileyo ekufuneka uyiqaphele kukuba ukunyuka kwexabiso lokutya kuphezulu kakhulu kunenani elibekiweyo lokunyuka kwamaxabiso.

Uya kufuneka ubeke isabelo esikhulu sebhajethi yakho ekudleni, ekuthuthweni nakwezinye izinto, nangona ukwanda kwemivuzo yakho kungaxhunyaniswa nezinga elibiweyo lokunyuka kwamaxabiso.

Ngako oko, ukunyuka kwemivuzo yakho kufuneka kudlule ukunyuka kwamaxabiso jikelele ukwenzela ukwandisa umgangatho wakho wokuphila kwaye uhambisane neendleko zokuphila.

Unokucinga ngale nto njengempilo yokunyuka kwamaxabiso, oko kukunyuka kwinqanaba lakho lokuphila ngokuhamba kwexesha.

Into eqala ngokunyuka ngeR1.30 ilitha inganwenwela ekunyukeni kwamanye amaxabiso.

* Abafumana umvuzo ongezantsi baya kuziva ukuba uphethiloli ukwandisa kakhulu, njengoko bechitha imali eninzi yengeniso yabo kwizithuthi zikawonkewonke. Phantse abasebenzi base-4 kwabangu-10 eMzantsi Afrika, bathembela kwizithuthi zikawonkewonke ukuze bafike emsebenzini. Usenokungacingi ukuba oku kukuchaphazela ngqo, kodwa ababoneleli benkonzo abasebenzisa iitekisi kunye neebhasi, umzekelo umqeshwa wakho wasekhaya, mhlawumbi ufuna ukunyuswa kwemivuzo ukunciphisa uxinizelelo lwezemali.

* Enyanisweni kukuba uxinizelelo oluphakamileyo kwicandelo lezolimo luphuphumela luqhubekeke kwiimarike zabathengi kwaye luphakamise amaxabiso okutya, okugxininisa ngakumbi kwiintsapho ezisokolayo. Abathengi baya kubandezeleka njengokuba umphumo wokunyuka kwexabiso kuhanjiswa kubo kwixabiso lezithuthi zikawonke-wonke kunye nakwezinye iindleko.

* Ukwanda kwe-VAT ukusuka kwi-14% ukuya ku-15% ngo-2018 kunye nokunyuka kwangoko kwintengo yepetroli kufaka uxinizelelo olukhulu kwiipokethi zabathengi. Ngenxa yoko, ukuchitha imali kuyanciphisa kwaye amancinci kuya kumazinga aphakathi alindeleke ukuba abe nempembelelo kakhulu. Oku kuncitshiswa kwenkcitho kuya kuba nefuthe ekunikeni inzuzo yeenkampani ekuqhubeni amathuba okunciphisa abasebenzi ngokubhekiselele.

* Uya kuba nengeniso engaphantsi kwengqiqo. Leyo yimali eseleyo yokufumana imali engenayo emva kokuba uchithe ngenxa yeemfuneko ezifana nerenti, ubophelelo kunye neentlawulo zeemoto, ukunakekelwa kwezempilo, ezothutho kunye nezambatho.

Ungakunceda njani umthwalo wentengo yepetroli?

Inokuba yinyaniso yokukhangela ukuba ukhangele imimiselo yakho yokuchitha imali, kwaye indawo enokuqala ukuqala kukunciphisa ‘ukuzonwabisa kwakho onetyala.’ Unokufumanisa ukuba uchitha imali kwizinto ongazidingayo. Ngaba ngokwenene udinga amashishini angaphezulu kwama-300 weTV? Ngokomzekelo, iDSTV yePremium yokubhaliselwa yonyaka ibiza iR9 708. Le nto ilingana nokuhlawulwa kwemboleko yenyanga nganye kwindlu ebiza iR1 yezigidi.

Iindleko zakho zingabelana ngamacandelo amathathu ngokubhekiselele kwisitatimende sakho sebhanki:

* Iindleko ezilungisiweyo: ezifana neenkonzo zonyango, iintlawulo zemoto kunye neentlawulo;

* Iindleko eziguquguqukayo: ezi iindleko ezidibene nomgangatho wokuphila kwakho; ziyahluka kumntu ngamnye kodwa yinto oya kuyiqwalasela intswelo. Ukubambisa, ukuzonwabisa, i-airtime kunye ne-DSTV;

* Okokugqibela, into esiyibiza ngokuthi ‘zizonwabiso ezikufaka phantsi koxinzelelo’: ezi zinto azikho kwisabelomali sakho okanye ugqiba ukuchitha imali ngaphezu kokuba uhlahloye imali kwiindleko zakho eziguquguqukayo.

Ejongene nombono ochanekileyo webhajethi yakho, unokubona ukuba yiziphi izinto ezikuyo ‘ezinonophelo zetyala, iindleko eziguquguqukayo nezizinzileyo. Emva koko, unokuphonononga ukuba yiziphi izinto ongazifuni ngokwenene okanye iindleko ongazinqanda ngaphandle kokuchaphazela umgangatho wobomi.