Ofanele ukwazi xa ungena umgalelo

UMakhwekhwetha kwiMiba yeMibutho (Stockvel Expert) uXolisa Mango Mgwatyu

UNYAKA uyaqala, abantu baza kungena imigalelo emitsha yokwenza imali yezidingo zokuphela konyaka, bambi baza kuqhuba nemigalelo yabo yesiqhelo ngelixa abanye beza kuzilondolozela imali kwimizi yogcinomali.

Kwakhona kukho nabo baza kuqala imigalelo kuba besandul’ ukungena emisebenzini.

Okubalulekileyo, xa ubani eqala umgalelo kukungena umgalelo nabantu abaziyo nabathembileyo kunjalonje ufundisise umgaqosiseko wombutho lowo, ezi zingcebiso zoMakhwekhwetha kwiMiba yeMibutho (Stockvel Expert) uXolisa Mango Mgwatyu.

Encokolela I’solezwe lesiXhosa, uMgwatyu uthi abantu kubalulekile bayilondoloze kangangoko imali, bayigcine kuvimba wasebhankini, nabangakwazi ukufikelela kuwo lula.

“Umzekelo, ulondolozo olusisigxina lwenyanga okanye lweminyaka (fixed deposit) okanye ke kuvimba wombutho othi kuvunyelwane ukuba imali iyakusetyenziswa emva kwexesha elithile nelo lithe lavunywa, lamiselwa ngamalungu awo.

“Imali mayilondolozwe ziibhanka ezivunyiweyo ukuba zenze lo msebenzi wokulondoloza imali,” kucebisa uMgwatyu.

UMgwatyu uthi imali isoloko idingeka, kodwa ingase xa ulondoloza imali uyazi ukuba uyidingela ntoni.

“Abanye bathenga izinto ebebezinqwenela kodwa ngaphandle kokwenza ityala, ukanti abanye balungiselela imitshato okanye imigidi.

Abanye ke bayakha izindlu njalo njalo.”

UMgwatyu, okwangumcebisi wamaqela emibutho ukwalumkisa ngelithi, angekhe ubani akwazi ukuzigcinela imali ngokwakhe xa “engumntu olibhetyebhetye.”

“Qiniseka ukuba uyahlengahlengisa zonke izinto eziyimiqobo neziza kufuna imali.

Hlawula rhoqo imali ngosuku olumiselweyo embuthweni ; okanye ukuba uyazilondolozela, wenze isivumelwano nebhanka ukuze itsalwe imali ngomhla omiselweyo.

“Musa ukungena umgalelo ngokubona iitshomi kwaye ungangeni umgalelo xa uzazi uza kushiyeka ungenamali yokuqhubekeka nezinto zakho zenyanga,” kucebisa uMgwatyu.

UMgwatyu uneminyaka engaphaya kweshumi enemigalelo kwaye uthi ufunde kakhulu ngolondolozo nokunceda abanye, kananjalo ukwenza into oyifunayo ngaphandle kokuzifaka ematyaleni.

Abantu bangena iindidi ngeendidi zemigalelo equka, ukuthengelana izindlu, ukulondoloza imali, imigalelo yokutya, eyokukhenketha njalo njalo.

UMgwatyu uqwele ngelithi iindibano kwimigalelo zibalulekile, kuqulunqwe izivumelwano zombutho lowo ukuze wonke umntu ibe kanti uyaluqonda uhlobo lwenkqubo yombutho lowo.

simphiwe.freddie@inl.co.za