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  • Isizathu Sokuba Abantu Abaninzi Besematyaleni

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  • Isizathu Sokuba Abantu Abaninzi Besematyaleni
  • Vukani!—1997
  • Amanqaku Afanayo
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    Vukani!—1997
  • Amakhadi Okuthenga Ngetyala—Ngaba Aya Kukunceda Okanye Aya Kukwenza Ikhoboka?
    Vukani!—1997
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    Vukani!—1991
Khangela Okunye
Vukani!—1997
g97 1/8 iphe. 20-21

Isizathu Sokuba Abantu Abaninzi Besematyaleni

UMICHAEL noReena emva kokuba begqibe unyaka betshatile babuyela kwindawo ababeyichithele kuyo iholide yabo xa babesandul’ ukutshata ukuze babhiyozele eso sihlandlo. Kodwa kanye ekuqaleni konyaka wesibini betshatile, bajamelana nemeko yokwenene engemyoli. Kungakhathaliseki ukuba babezama kangakanani ukonga, babengakwazi ukuwahlawula onke amatyala abo.

Khawucinge ngesinye isibini. URobert wayenemali-mboleko nje engephi yokufunda ekwakufanele ayihlawule xa watshata noRhonda, ibe naye wayehlawula kuphela nje inqwelo-mafutha. URobert uthi: “Sobabini sasisebenza ixesha elizeleyo, ibe sobabini sasisenza ingeniso ezii-$2950 [ii-R12 830] ngenyanga. Kodwa sasingayiboni into esiyenzayo.” URhonda uthi: “Asizange sithenge zinto zininzi okanye sibe nento ethile engayiwayo. Andiyazi ukuba imali yethu yayiphelela phi.”

URobert noRhonda babengengawo amanqenerha. Kwakungenjalo nangoMichael noReena. Yayiyintoni ingxaki yabo? Yayingamatyala ababewenze ngamakhadi okuthenga ngetyala. Kunyaka nje wabo wokuqala betshatile, uMichael noReena babenetyala lee-$14 000 (ii-R60 900) kumakhadi abo okuthenga ngetyala. Emva kweminyaka emibini betshatile, uRobert noRhonda babenetyala elizii-$6000 (ii-R26 100) kumakhadi abo.

UAnthony, indoda esele iqinile nenentsapho, naye wajamelana nexesha elinzima ngokwezoqoqosho ebomini bakhe. Noko ke, iingxaki zakhe zazingabangelwa ngamakhadi okuthenga ngetyala. Ngowe-1993 inkampani awayesebenza kuyo yanciphisa abasebenzi, ibe uAnthony waphulukana nesikhundla sakhe sokuba ngumphathi esasimhlawula ii-$48 000 (ii-R209 000) ngonyaka. Emva koko, kwaba ngumthwalo onzima gqitha kuye ukondla intsapho yakhe enabantu abane. Ngokufanayo, uJanet, ongumzali oyedwa ohlala kwisiXeko saseNew York, kwakunzima kuye ukuhlawula iindleko zakhe ngengeniso yakhe yonyaka emalunga nee-$11-000 (ii-R47 800).

Ngoxa liyinyaniso elokuba inkoliso yeengxaki zemali zinokuncitshiswa ngokuyiphatha ngokufanelekileyo, isibakala sesokuba siphila kwixesha laxa abaninzi belahlekiswa ‘ngamampunge eengqondo zabo.’ (Efese 4:17) Kwincwadi yakhe ethi The Lifetime Book of Money Management, uGrace W. Weinstein uthi: “Uninzi lwemigaqo yeendlela zokuphatha imali ziye zatshintsha, ziguqulwa ngokupheleleyo yimeko etshintshatshintshayo yezoqoqosho, yindlela entsha abantu abakujonga ngayo ukusebenzisa imali nokuyonga, nokutshintsha kwendlela yokuphila.” Kweli hlabathi lingalungelelananga siphila kulo, abantu abangakumbi nangakumbi bakufumanisa kunzima ngakumbi ukuphatha imali yobuqu neyentsapho.

Okuvuyisayo kukuba, uMichael noReena, uRobert noRhonda, kunye noAnthony noJanet baye bakwazi ukuyilawula ngokuphumelelayo imeko yabo yemali. Ngaphambi kokuqwalasela okwabancedayo, makhe sihlolisise indlela elula yokuhlawula eye yongeza kwiingxaki zemali kwabaninzi—ewe, amakhadi okuthenga ngetyala.

    Iimpapasho ZesiXhosa (1986-2025)
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