Indlela Yokuhlala Ungenamatyala

KULA maxesha atshintshayo, ukulawula ubuncwane bentsapho kunokuba lucelomngeni. Unokuhlangabezana njani nolu celomngeni ngokuphumelelayo?

Isicombululo asikokwenza ingeniso engakumbi. Ingcali zemali zithi isicombululo sinento yokwenza nokucinga ngendawo evela kuyo loo mali nalapho iya khona kwakunye nokulungela ukwenza izigqibo ezisengqiqweni. Ukuze wenze oku, kufuneka ube noqingqo-mali.

Ukoyisa Ukungakuthandi Ukwenza Uqingqo-mali

Noko ke, uqingqo-mali, “lubangela iingcinga ezininzi ezingathandekiyo,” utsho njalo umcebisi ngemali uGrace Weinstein. Ngoko, abantu abaninzi abalwenzi. Kwakhona bambi banxulumanisa ukwenza uqingqo-mali nokufumana ingeniso encinane okanye ukungafundi. Kodwa kwanezifundiswa ezifumana iimali ezinkulu zinazo iingxaki zemali. Umcebisi ngemali uthi: “Omnye wabantu bokuqala endabacebisayo wayefumana ii-$187 000 [ii-R813 000] ngonyaka . . . Ityala labo lamakhadi okuthenga ngetyala lilodwa lalingaphantsi nje kwee-$95 000 [ii-R413 000].”

UMichael okhankanywe ekuqaleni, wayemathidala ukufuna icebiso ngendlela yokusebenzisa imali ngenxa yesinye isizathu. Uvuma esithi: “Ndandisoyika ukuba abanye baza kundijonga njengongenangqondo nosisidenge.” Kodwa akukho sizathu sokoyika ngolo hlobo. Ukulawula imali nokwenza imali kufuna ubuchule obahlukeneyo, ibe inkoliso yabantu ayikuqeqeshelwanga ukulawula imali. Omnye unontlalontle uthi: “Siphumelela kwisikolo samabanga aphakamileyo sisazi gqitha ngonxantathu onamacala amabini alinganayo kunokwazi ngendlela yokonga imali.”

Noko ke, kulula ukufunda uqingqo-mali. Luquka ukwenza uludwe lwengeniso noludwe lweendleko—uze wandule ke ugcine iindleko zingaphantsi kwengeniso. Enyanisweni, ukwenza uqingqo-mali kunokuba yinto eyolisayo, ibe ukuphila ngokuvisisana nalo kunokukwanelisa.

Ukuqalisa

Makhe siqale ngokwenza uludwe lwengeniso. Kwinkoliso yethu, oku kufanele kube lula kuba ngokuqhelekileyo kubandakanya izinto ezimbalwa kuphela—umvuzo, inzala yemali esebhankini, njalo njalo.

Kodwa musa ukuyibala ingeniso ongaqinisekanga ngayo, njengentlawulo yexesha elongezelelekileyo emsebenzini, imali eyongezelelekileyo, okanye izipho. Abacebisi ngemali balumkisa ngelithi ukwenza izigqibo ngemithombo yemali ongaqinisekanga ngayo kunokukufaka ematyaleni. Ukuba imali enjalo uyayifumana, usenokukhetha ukuyisebenzisela ukubethwa ngumoya wena nentsapho yakho, ukunceda abanye abasweleyo, okanye ukufaka isandla kwenye into ebalulekileyo.

Noko ke, ukwenza uludwe lweendleko, kusenokuba nzinyana. URobert noRhonda, abakhankanywe kumanqaku angaphambili, babengayazi ukuba iphelela phi imali ababeyisebenzela nzima. URobert uchaza indlela abayicombulula ngayo le ngxaki esithi: “Nyanga nganye ngamnye kuthi wayethabatha iphepha, aze abhale imali nganye ayisebenzisileyo. Sasibhala phantsi nemali esithenge ngayo ikomityi yekofu. Yaye ekupheleni kosuku ngalunye, ezi ndleko sasizibhala kwincwadi endandiyithengile yoqingqo-mali.”

Ukukukhuthalela ukubhala zonke iindleko zakho kuya kukunceda ufumane nayiphi na ‘imali engaziwayo’ ebonakala iphum’ ezandleni. Noko ke, ukuba uyayazi indlela oyisebenzisa ngayo imali usenokugqiba kwelokuba uyeke ukugcina iinkcukacha zezinto ozithengileyo suku ngalunye uze uqhubeke usenza uludwe lweendleko zenyanga.

Ukwenza Uludwe Lweendleko Zenyanga

Usenokufuna ukwenza isicangca esifana nesenziwe kwiphepha elilandelayo. Phantsi komhlathi othi “Ezona Ndleko,” bhala imali oyisebenzisayo ngoku kwinto nganye. Nciphisa inani lamacandelo aziintloko, usebenzisa imixholo enjengethi “ukutya,” “indlu,” nothi “impahla.” Noko ke, musa ukuwacima amacandelo amancinane aziintloko. URobert noRhonda, inxalenye eninzi yemali babeyisebenzisela ukuya kudla kwivenkile yokudlela, ngoko ukwahlula “ukudla kwivenkile yokudlela” “ekuthengeni ukutya kwasekhaya” kwangqineka kuluncedo. Ukuba uyakunandipha ukubonakalisa umoya wokubuk’ iindwendwe kwabanye, oku kunokuba licandelo elincinane ngaphantsi “kokutya.” Injongo yoku kukwenza esi sicangca sibonise indlela ophila ngayo nezinto ozithandayo.

Xa usenza esi sicangca, musa ukuzilibala iindleko ozenza ngekota, kabini ngonyaka, ngonyaka, nezinye ozenza ngamaxesha athile, njengokuhlawula i-inshorensi neerhafu. Noko ke, xa uzifaka kwisicangca senyanga, kuya kufuneka uyahlule le mali ngenani elichanileyo leenyanga.

Eyona nto ibalulekileyo kuludwe lweendleko “kukugcina imali.” Ngoxa abaninzi basenokungacingi ngokugcina imali njengendleko, uya kuba wenza ngobulumko ukubekela inxalenye yengeniso yakho yenyanga iimeko zongxamiseko okanye injongo ekhethekileyo. UGrace Weinstein ugxininisa ukubaluleka kokuquka ukugcina imali kuludwe lwakho lweendleko: “Ukuba akukwazi ukugcina ubuncinane isi-5 ekhulwini sengeniso oyifumana emva kokuba kutsalwe irhafu (ibe le mali bubuncinane nje), kuya kufuneka uthabathe amanyathelo angqongqo ngakumbi. Nciphisa ukuthenga ngetyala, yicwangcise ngokutsha indlela yakho yokuphila yaye cinga ngeemfuno zakho ezisisiseko.” Ewe, khumbula ukufaka imali oza kuyisa elugcinweni kuqingqo-mali lwakho lwenyanga.

Ukuze ube nento eya kukunceda ngexesha laxa usenokuphelelwa ngumsebenzi, kucetyiswa ukuba uzame ngoku ukugcina imali eza kufumaneka lula ubuncinane elingana nomvuzo wakho weenyanga ezintandathu. Umcebisi ngemali uthi: “Ukuba ufumana uchatha kwingeniso yakho, gcina isiqingatha sayo.” Ngaba ucinga ukuba kunzima ukugcina imali?

Khawucinge ngoLaxmi Bai, olihlwempu gqitha njengabaninzi abakumaphandle aseIndiya. Waqalisa ukugcina intwana yerayisi kwimbiza yodongwe ethabatha kuleyo wayeyiphekela intsapho yakhe imihla ngemihla. Ngamaxesha athile, wayedla ngokuyithengisa le rayisi aze agcine loo mali ebhankini. Oku wakwenza kuba wayefuna ukuboleka imali ebhankini ukuze ancede unyana wakhe aqalise ishishini lokulungisa iibhayisikile. I-India Today inikela ingxelo yokuba imali encinane ngolo hlobo egcinwayo ibuguqule ubomi babaninzi. Oku kwenze abathile bakwazi ukuzimela ngokwezoqoqosho.

Noko ke, ukulungelelanisa uqingqo-mali kungaphezu kokwenza uludwe lwengeniso neendleko. Kubandakanya ukugcina iindleko zingaphantsi kwengeniso, okusenokufuna ukuba unciphise indlela oyisebenzisa ngayo imali.

Ngaba Iyimfuneko?

Phawula umxholo othi “Ngaba Iyimfuneko?” kule fomu kwiphepha 27. Kubalulekile ukuwuqwalasela lo mhlathi, ingakumbi ukuba ufumanisa ukuba isimbuku kumhlathi othi “Imali Eqingqiweyo” singaphezulu kunengeniso yakho. Noko ke, ukugqiba enoba into ethile iyimfuneko yaye ingakanani imali onokuyibekela yona kunokuba lucelomngeni. Oku kunjalo ingakumbi kula maxesha atshintshayo axa sinyanzelwa ngezinto ezintsha ezibhengezwa rhoqo njengeziyimfuneko. Ukucinga ngendleko nganye njengeyimfuneko ngokwenene, njengento eyimfuneko ongaqinisekanga ngayo, okanye, into ongathanda ukuyifumana kuba ufuna ukuphila tofotofo kuya kukunceda.

Khangela kwindleko nganye oyifakileyo kuludwe, uze emva kokuba uye wayihlolisisa ngokusengqiqweni, ubhale u-“E” kumhlathi othi “Ngaba Iyimfuneko?” ukuba le nto ifuneka ngokwenene; ubhale u-“?” ukuba iyinto eyimfuneko ongaqinisekanga ngayo; uze ubhale u-“I” ukuba ufuna ukuyithenga kuba ufuna ukuphila tofotofo. Khumbula ukuba, isimbuku esibhalwe kumhlathi othi “Imali Eqingqiweyo” asinakuba ngaphezu kwengeniso yakho yenyanga!

Izinto ekuphawulwe kuzo “?” neziphawulwe “I” ngokucacileyo uya kuqala ngazo ukuzikhupha kolo ludwe. Akuyomfuneko ukuba ezi ndleko zikhutshwe ngokupheleleyo. Injongo yoku kukuhlolisisa into nganye ukuze ubone enoba ukunandipha loo nto kuyahambisana neendleko zayo. URobert noRhonda babona kuludwe lwabo ukuba babechitha ii-$500 (ii-R2175) ngenyanga ekutyeni kwiivenkile zokutyela. Bawela kuloo mkhwa ngenxa yokuba bobabini babengakwazi ukupheka. Kodwa uRhonda wathabatha amanyathelo okufunda ibe uthi: “Ngoku ndiyakunandipha ukupheka, yaye ngokufuthi sitya ekhaya.” URobert wongezelela ngelithi: “Ngoku sitya kwiivenkile zokudlela ngezihlandlo ezikhethekileyo kuphela okanye xa kuyimfuneko.”

Ukutshintsha kweemeko zakho kusenokubangela ukuba zitshintshe ngokupheleleyo izinto eziyimfuneko kuwe. Njengoko kukhankanywe kwinqaku lokuqala, ingeniso ka-Anthony yehla kakhulu. Yesuka kwii-$48 000 (ii-R209 000) ngonyaka yaya kutsho ngaphantsi kwee-$20 000 (ii-R87-000) yaza yema apho kangangeminyaka emibini. Ukuba oku kunokwenzeka kuwe, kusenokufuneka uqalise uqingqo-mali oluza kukuhlangula kule meko, unciphisa zonke izinto ezingeyomfuneko obusebenzisa imali kuzo.

UAnthony wenza kanye loo nto. Ngokuzimisela kwakhe ekunciphiseni imali ayisebenzisa ekutyeni, empahleni, kwezothutho nasekuzihlaziyeni, ebunzimeni wakwazi ukuqhubeka ewuhlawula umzi wakhe.a Uthi: “Njengentsapho kwafuneka sihlolisise ezona ntswelo neemfuno zethu ibe siye sangenelwa koko. Ngoku siyakwazi ukwanela yiloo ntwana sinayo.”

Nciphisa Amatyala

Amatyala angalawulwayo anokuyisingela phantsi imigudu yakho yokuphila ngoko unako. Ngoxa amatyala exesha elide okuhlawula izinto eziyimfuneko ezinjengendlu exabiso layo linyukayo esenokuba yingenelo, amatyala awenziwa ngamakhadi okuthenga ngetyala ukuhlawula izinto esizisebenzisa imihla ngemihla anokuba yintlekele ngokwenene. Ngoko “musa ukuhlawula iindleko ezongezelelekileyo kumatyala enziwa ngamakhadi” itsho njalo iNewsweek.

Iingcali ngemali zikhuthaza ukuba uwahlawule uwagqibe amatyala ekhadi kwanokuba oko kuya kuthetha ukuba uza kuthabatha kwimali yakho eselugcinweni. Akukho ngqiqweni ngokwenene ukuba namatyala anemali yenzala eninzi ngoxa uzama ukugcina imali enenzala encinane. Bekuqonda oku, uMichael noReena bawahlawula bawagqiba amatyala abo amakhadi okuthenga ngetyala ngeemali zabo eziselugcinweni, yaye bazimisela ukuba bangaphindi bangene kwimeko enjalo kwakhona.

URobert noRhonda, bengenayo imali enjalo, basebenzisa uqingqo-mali olwalunokubenza nje balale betyile. URobert uthi: “Ndenza igrafu kwibhodi emhlophe ebonisa indlela ityala lethu eliya kuhla ngayo inyanga nenyanga ndaza ndayixhoma le bhodi kwigumbi lethu lokulala apho sasinokuyibona ntsasa nganye. Oku kwakusikhuthaza imihla ngemihla.” Ekupheleni konyaka, hayi indlela ababevuya ngayo ukukhululeka kwityala labo lekhadi elizii-$6000 (ii-R26 100)!

Kwamanye amazwe kwanokuhlawula indlu akugqalwa njengotyalo-mali njengokuba kwakha kwanjalo ngaphambili. Ibe ukuthenga indlu kusenokuphela kukubiza imali eninzi ngenxa yemali yenzala. Yintoni onokuyenza ukuze unciphise ityala lendlu? INewsweek incomela oku: “Kubhetele ukuhlawula imali engakumbi kunaleyo ifunwa yibhanki okanye uthenge indlu engabizi mali ingako. Ukuba sele unendlu, kuphephe ukufuna ukufumana engaphezulu kuleyo.”

Unokuyinciphisa gqitha intlawulo yetyala lenqwelo-mafutha ngokuhlawula imali engaphezulu kwaleyo ifunwayo. Kodwa kuya kufuneka uyigcine kusengaphambili imali yokwenza oku ngokuthi uyifake kuqingqo-mali lwentsapho. Yaye kuthekani ngokukhetha inqwelo-mafutha esemgangathweni ebisele isetyenzisiwe ngaphambili?b Ixabiso layo eliphantsi lisenokuthetha ukuba zisenokuhla iintlawulo ezongezelelekileyo. Usenokude ukwazi ukuyithenga ngaphandle kokuba kufuneke ungene ematyaleni.

Ngaba Uza Kuphumelela?

Enoba uyaphumelela ekwenzeni uqingqo-mali lwakho lusebenze ubukhulu becala kuxhomekeke ekubeni lusengqiqweni kangakanani. Esinye isibini esiye saphumelela ukusebenzisa uqingqo-mali sithi: “Le nkqubo ayisayi kusebenza ukuba imali ebekelwe izinto zentsapho incinane kangangokuba inganeli ide iphele inyanga.”

Enye inkalo ebaluleke gqitha ekwenzeni uqingqo-mali luphumelele kukuncokolisana okuhle phakathi kwamalungu entsapho. Abo bachatshazelwayo luqingqo-mali bafanele banikwe ithuba lokuba bavelise iimbono neemvakalelo zabo ngaphandle kokugculelwa. Ukuba amalungu entsapho abandakanyekileyo ayaziqonda iintswelo neemfuno zomnye umntu aze aqonde oko imeko yemali yentsapho ikuko ngokwenene, kusenokubakho intsebenziswano engakumbi kunye nethuba lokuba uqingqo-mali lwentsapho luphumelele.

Kula maxesha amanqam, njengoko imeko yehlabathi iqhubeka itshintsha, nemeko yemali yentsapho iya isiba nzima. (2 Timoti 3:1; 1 Korinte 7:31) Kufuneka sisebenzise “ubulumko obusebenzisekayo” ekuhlangabezaneni nocelomngeni lobomi banamhlanje. (IMizekeliso 2:7, NW) Ukwenza uqingqo-mali kusenokuba yeyona nto inokukunceda wenze oko.

[Imibhalo esemazantsi]

[Amagama acatshulweyo akwiphepha 28]

Hlolisisa into nganye ukuze ubone enoba ukunandipha loo nto kuyahambisana neendleko zayo

[Amagama acatshulweyo akwiphepha 29]

Yilumkele imali eyinzala yamakhadi okuthenga ngetyala!

[Isicangca esikwiphepha 27]

IINDLEKO ZENYANGA NESICANGCA SOKUZIHLOLISISA Inyanga

Ukutya:

Ukutya

Ukutya kwiivenkile zokutyela

Ukubuk’ iindwendwe

Indlu:

Imali yokuthenga indlu okanye irente

Iimpahla zendlu

Iimpahla

Isithuthi

Izipho

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Imali eya elugcinweni

Iirhafu

I-Inshorensi

Izinto Ezahlukahlukeneyo

ISIMBUKU (thelekisa nengeniso)

INGENISO YENYANGA

Imivuzo

Indlu eqeshwayo (ukuba ikho)

Inzala yemali eselugcinweni

ISIMBUKU (thelekisa neendleko)

[Umfanekiso okwiphepha 26]

Ukuncokolisana okuhle kwentsapho kubalulekile ukuze uqingqo-mali luphumelele