UNomsa uneminyaka eyi50, uceba ukurhoxa kwisebe lezemfundo ukuphela konyaka. Ungumama wemveku ezimbini ezisafunda kwisikolo samabanga aphantsi. Iindleko zakhe ziquka imali yesikolo sabantwana, intlawulo yendlu kunye neyemoto, kunye nokubuyisa imalimboleko.
UNomsa ngumntu oququzelayo kakhulu kwaye uzimisele ukuyonwabela ngokupheleleyo imali yakhe xa ethe warhoxa emsebenzini. Uzimisele nokuthatha inxaxheba enkulu kwizinto zasekuhlaleni. Uceba ukuqala isikolo sabantwana abaselula ngenye imali yakhe. Imali yakhe yomhlala phantsi isisigidi seerandi (R1million).
Ukhetho 1: Imali yakhe yonke ibhatalwe kwibhanki yakhe
Kuza kutsalwa imali yerhafu xa ekhupha le mali nto leyo eza kuhlisa isixa semali ezakungena kwiakhawunti yakhe yebhanki. Umlawuli wengxowamali yomhlalaphantsi uza kuyicwangcisa imali yakhe esisigidi seerandi aze ayifake ngqo kwiakhawunti yakhe yebhanki. Uza kubhatala irhafu yeR207 000 aze yena afumane imali engangR793 000.
Indima yomcebisi wezezimali ukuze ibe yimpumelelo le nkqubo yokuthatha umhlalaphantsi kaNomsa:
* Yenza isicwangciso semali
Umanejala weengcebiso kwezobutyebi uza kumenzela isicwangciso esiza kumsebenzela kwizidingo kunye neenjongo zakhe. Indlela yokuqala yokuqinisekisa impumelelo kule nkqubo luxwebhu lwesicwangciso semali noludandalazisa izidingo zakhe zemali, neliya kuthi limncedise ukuthatha izigqibo zemali ngokweemeko zakho.
* Ukufuduswa kwemali yomhlalaphantsi iye kwingxowamali yokulondoloza
Enye yenzuzo zolu khetho kukuba irhafu ayibhatalwa xa imali ithe yasiwa kwingxowamali yokulondoloza evunyiweyo okanye esemthethweni. Emva koko angakhetha ukuthatha ikota enye (one third) ibe yimali ezinkozo. Eshiyekileyo imali imelwe kukuhlala kwingxowamali ade afikelele kwilixa lokuthatha umhlalaphantsi.
* Isicwangciso sokusebenzisa imali
Umanejala weengcebiso zobutyebi uza kumncedisa ukubala ukuba ingakanani imali efunekayo yokubhatala amatyala akhe onke aze ashiyekelwe yimali aza kuphila ngayo emva koko. Isicwangciso sokusebenzisa imali siyakumnika isalathiso sokuba yimalini emayibekwe ecaleni ukuzalisekisa izicwangciso kunye neenjongo zakhe.
* Ukwenza ukurhoxa kwakhe kungamtyabuli kwirhafu
Kubalulekile ukuqiniseka ukuba izigcwangciso zakhe zomhlalaphantsi zingangqamani nezidingo zemali kuphela kodwa nemeko yerhafu kuphela kodwa nemeko yerhafu kumelwe ijongwe nayo. Imanejala yeengcebiso zobutyebi ingaqinisekisa ukuba imothulela umthwalo kwirhafu emva kokudibanisa zonke iindleko zakhe zerhafu. Kunjalo nje xa sele kunikwe ingqwalasela izinto ezithile kungenzeka ukuba angayibhatali nokuyibhatala irhafu.
* Yenza isicwangciso sokugcina imali yemfundo yabantwana
Isipho semfundo siyeyona nto iphucukileyo angayinika abantwana bakhe ababini kwaye iyakubanika isiqalo esihle ebomini. Nanjengoko imfundo sele ibiza kakhulu, ukwenza uhlahlo lwabiwomali oluya kumenza akwazi ukubhatala imali yesikolo sabantwana. Njengayo nayiphi na indlela yokutyala imali, xa eqala kwamsinya ukubeka imali ecaleni lo nto iya kubangela ukuba imali yakhe isebenzele yena.
* Ukuphicotha izidingo zakhe ze-medical aid ukuze azokufumana eyona ilungele yena
Kubalulekile ukuba xa sikhetha imedical aid siqiniseke ukuba iza kuzilungela izidingo zakhe kunye nosapho lwakhe. Uhlalutyo olukhawulezayo oluza kubonisa izidingo zakhe kwezempilo nto leyo eyakuncedisa ukuba afumane imedical aid elungelene nezidingo zakhe. Njengoko kukho abaxhomekeke kuye ngako oko nabo kufuneka izidingo zabo zijongiwe xa ethatha imedical aid.
* Ukumisela ingxowa yemali yemini zikaxakeka
Eyona nto ibalulekileyo xa ukucwangciso lwemali kukuba nengxowamali yeemini zikaxakeka. Ingxowamali yeemini zikaxakeka yenzelwa ukuba xa kukho ukushokoxeka kwemali okungalindelekanga. Imali ekule ngxowamali ifumaneka kwangoko.
* Ukumisela incwadi yamafa
Ukuba angalandulela eli ngaphandle kokwenza incwadi yamafa lo nto ithetha ukuba akanakuba nolawulo lokuba ngubani oza kuzuza kwilifa lakhe ayakulishiya. Incwadi yamafa iyakuqinisekisa ukuba iminqweno kaNomusa iza kuphathwa ngononelelo kwaye angakwazi ukuchonga umntu oza kujongana neemfuno zabantwana bakhe abancinci ngokusemthethweni. Umanejala ongumcebisi wezobutyebi uza kunika usapho lwakhe ulawulo lwezentlalo ngokuphathelele ekulawulweni kwelifa lakhe.
*USonwabile Mdondolo ngumanejala weengcebiso kwezobutyebi eInkunzi Wealth Group kwiMpuma neNtshona Koloni.
Tsalela Inkunzi Wealth Group ku 087 160 018, okanye usithumelele umyalezo ku: invest@iwgsa.co.za
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