Ityala! Ukuzidadisa Kulo—Ukuzikhupha Kulo

ULOIS noRick phantse babenexesha elingangonyaka betshatile. Njengezibini ezininzi eziselula, bafuna ukuba babe nento yonke ngaxeshanye​—⁠ibe kwakulula ukuba benjenjalo! Imali ababeyihlawulela umabonwakude yayizii-R138 ngenyanga, ibe ukongezelela kuyo intlawulo yevideo kwayenza intlawulo leyo yafikelela kwii-R203. Elalithanda ukuba likhudlwana yayilelefanishala entsha​—⁠babehlawula ii-R746 ngenyanga. Kambe ke, oko akuquki iikhethini nekhaphethi, nto ezo ezenza ukuba imali ehlawulwayo ithi kratya ngee-R121. Kodwa inkampani yemali-mboleko yayinentsebenziswano.

Kwaba lula ukufumana ezi zinto kuba iivenkile ababethenga kuzo zazilamkela iqweqwe lokuthenga ngetyala (credit card). Ngaloo ndlela babehlawula nje lula ngaphandle kokuya evenkileni, ibe abazange benze mali-mboleko. Izinto zaziya kuba lula kakhulu ukuba uRick wayeyihlawulele wayigqiba inqwelo-mafutha yakhe yodidi ngaphambi komtshato njengoko wayecebe njalo, kodwa ngelishwa akazange akwazi ukwenjenjalo.

URick uthi xa echaza oku: “Kaloku ndandisithi ndiza konwaba ngokwenene emtshatweni, kodwa ngoku ndixhalabe ngenene ngenxa yamatyala esinawo kangangokuba ulonwabo alukho kwaphela.” ULois wavumelana noku waza walek’ umsundulo esithi: “Kwakulula gqitha ukuzidadisa ematyaleni. Ngaba siya kuze siphume nanini na kula matyala?”

Lo mbuzo ocace nakubani na ubonisa ingxaki ezijongene nayo iintsapho ezizizigidi kumazwe amaninzi ehlabathi. Banqabile ngenene abantu abakwaziyo ukuhlala bengenasimokamoka setyala ebomini babo, maxa wambi elingaphezu kwamandla abo, ityala elikhulu ngokwenene.

Ukuzidadisa Etyaleni

Umntu uzidadisa njani etyaleni? Ngokulula nje! Kuphilwa ngalo. Oorhulumente, amaqumrhu ezorhwebo akumazwe amaninzi, amashishini amancinane, iintsapho nabantu ngabanye bonke baye balivuma ityala njengento nje eqhelekileyo.

Ikratshi lidla ngokubangela ityala. Ityala libangela ucinezeleko lwengqondo. Ucinezeleko lwengqondo lukhokelela kwezinye iingxaki. Ngoko umntu uphila njani kwihlabathi elityekele ematyaleni aze, yena kwangaxeshanye, ahlale engenatyala?

Mhlawumbi isifundo sokuqala esimele sifundwe kukunyamezela isihendo sezinto ezithengiswayo ezibonakala zinokuthengeka ngokulula. Ubani akanakungena kumaziko amaninzi emali ngaphandle kokuxinaniselwa ngamaphepha athetha ngokubolekisa ngemali. Amaqweqwe okuthenga ngetyala afumaneka lula. Kususela kubantu abasebenzisa iindlela ezininzi zokunyoluka zeemali-mboleko ukuya kumaziko emali ahloniphekileyo, kukho abantu abazizigidi abaphumelelayo nabanobuchule abakwishishini lokuthengisa ngemali. Kubo, imali yimpahla yorhwebo​—⁠njengokutya⁠—​yaye ke umsebenzi wabo kukukuthengisela yona. Funda UKWALA.

Ukusingatha Amatyala Kakuhle

Kukho iindlela ezininzi zokuchaza umlinganiselo owamkelekayo wetyala xa kuthelekiswa nomvuzo owamkelwayo. Kodwa ezi zahlukene kakhulu ngokokude ezininzi zingabi nantsingiselo. Ngokomzekelo, amanye amagosa ezoqoqosho avakalelwa kukuba intsapho ngokulula nje isenokusebenzisa ama-30 ekhulwini emali xa iyonke engumvuzo wayo ekuhlawuleleni indawo yokuhlala. Le yimali-mboleko yokuhlawula indlu okanye yokuqesha okuthile. Noko ke, le nkqubo isenokuba yengenakufikeleleka kwabo bangamahlwempu kakhulu. Ngoko iinkqubo eziqhelekileyo zidla ngokuba zezingacacanga. Iyonke ingxaki yokusingatha ityala inokuqwalaselwa ngokufanelekileyo xa kukhangelwa kwiimeko zomntu ngamnye.

Kusenokuba kokufanelekileyo ukuvula amanye amatyala, kodwa oku kufuna ingqiqo nokuwasingatha ngenyameko. Ngokomzekelo, abantu abaninzi abanakuyithenga indlu ngaphandle kokuvula ityala. Kuyinto engenakwenzeka ukucinga ukuba intsapho imele ihlale kwiindawo eziqeshisayo de ibe izilondolozele imali eyaneleyo yokuzithengela indlu ize iyihlawule ngokupheleleyo. Mhlawumbi oko akunakuze kwenzeke. Kunoko, intsapho isenokuvakalelawa kukuba imali eyihlawulela indawo yokuhlala eqeshisayo inokusetyenziswa njengemali-mboleko yokuthenga indlu. Nakubeni eli cebo liya kuthabatha iminyaka emininzi, ifikelela kwisigqibo sokuba kubonakala kuluncedo kakhulu ukwenjenjalo.

Xa siqonda ukuba ixabiso lendlu kunokwenzeka linyuke ekuhambeni kwexesha, emva kokuba oku kunokusetyenziswa njengesibambiso sokuthenga indlu kusenokuba lixabiso elixhomileyo kunokuhlawula ngenyanga okuqeshisayo, intsapho isenokuma kakuhle ezimalini ekubeni isenokuzuza ingeniso kuyo, nto leyo eya kuba lixabiso lendlu ngaphandle kweemali ezinokutsalwa ekuhlawulweni kwayo. Ityala elisengqiqweni elenziwe njengesibambiso sokuthenga indlu nelinokuhlawulwa ngokulula, lisenokuba lityala ekufanelekileyo ukulivula. Kusenokuba kunjalo nangezinye izinto ezinkulu ezinokuba yimfuneko ukuba intsapho izithenge.

Amanye amatyala anokuvulwa asenokuba ngangafanelekanga konke konke. Ukukwazi ukusingatha amatyala kuquka amandla okukwazi ukuwaphepha. Mhlawumbi umgaqo ongowona ubalulekileyo ngulo: Musa ukukuthenga oko ungakuswelanga yaye ungenakukufikelela. Kuphephe ukusuka nje uthenge izinto. Kwanokuba into ilixabiso elisisiqingatha, ayisosisulu kuwe ukuba ingaphezu kwamandla akho. Musa ukuboleka imali ukuze uthenge izinto zobunewunewu. Musa ukuthabatha uhambo lweholide ngaphandle kokuba unokuhlawula ngaphambi kokuba uhambe. Nokuba yintoni na oyithengayo ifanele ihlawulelwe kwangoko okanye kungekudala emva koko. Amaqweqwe okuthenga ngetyala aluncedo ekuphepheni ukuphatha imali kodwa ayindleko kakhulu ukuba asetyenziswa njengendlela yokuboleka imali.

Ukuzikhupha Etyaleni

Bambi abantu basenokuvakalelwa kukuba eli cebiso elingokusingatha amatyala kakuhle lifike emva kwesithonga kubo. ‘Sele ndibolile ngamatyala ezinto endimele ndizihlawulele nazizinto endizibophelele ngazo. Ndiphume njani ke?’ Inyaniso ikukuba akuze ushiywe lixesha lokuqalisa ukwenza nantoni na.

Inyathelo lokuqala lifanele libe kukuzenzela ubuhlobo neyona bhanki idume kakuhle. Ukuba umele uboleke imali kuyo, kulapho uya kuhlawula khona eyona nzala ephantsi. Ukuba le bhanki yakho ayivumi ukukuboleka imali, ngokunokwenzeka iyakunceda. Khumbula ukuba, yona ilishishini lokubolekisa ngemali ibe iya kukuboleka ukuba oko kubonakala kusengqiqweni.

Okwesibini, umele uqalise ukuhlawula amatyala ngendlela ethile ecwangcisiweyo. Ephepheni, bhala imali olindele ukuba uza kuyifumana kwiinyanga ezingama-24 ezizayo. Yiba nesimo sengqondo sokuzimisela. Bala nesenti ocinga ukuba uza kuyifumana. Yandula ke udwelise yonk’ into emele ihlawulelwe. Quka nezinto ezithile obungenakucinga nokucinga ngazo okwangoku. Dwelisa amatyala ngolandelelwano lokubaluleka kwawo. Emva koko yahlulahlule imali yakho ngendlela efanelekileyo ukuze kwityala ngalinye ubuncinane kubekho okuthile okuhlawulwayo. Beka umhla olusukelo lokulihlawulela liphele ityala ngalinye.

Ngokuphathelele eli cebo, qwalasela iindawo onokucutha kuzo iindleko. Ukucutha iindleko zetyala kusoloko kufuna ukuzincama ngandlel’ ithile. Ngaba iindleko zokutya zinokuncitshiswa kancinane ngokuthenga izinto ezisisisulu? Ziziphi izinto ezingabizi kakhulu ezinokuthabathel’ indawo ekulungiseleleni isidlo? Ngaba ukuchithela iiholide kwiindawo ezithile kunokubekelwa bucala? Ngaba iindleko zakho zokuphila unokuzicutha ngandlel’ ithile? Ngaba unokuzinandipha manqaphanqapha izinto zobunewunewu? Maxa wambi kufuneka nje sibe ngqongqo kwiziqu zethu. Ezinye izinto eziziindleko unokuzisusa kuludwe lwakho lwezinto “eziyimfuneko” uzise phantsi koludwe oluthi “ezobunewunewu.”

Usakuba unocwangciso olubhalwe ephepheni, luxubushe negosa lemboleko-mali lasebhankini. Liya kuchukumiseka kukubona ukuba akuphuci. Lisenokukwazi nokukubonisa indlela onokuphucula ngayo oko ukucebileyo. Lisenokude licebise ngenkqubo yasebhankini yemali-mboleko yokuzinzisa amatyala. Ukuba kunjalo, qiniseka ukuba uyayiqwalasela inzala nobude bexesha eliza kuhlawulelwa ngalo ityala lenkqubo yemali-mboleko yokuzinzisa ityala. Ngokuqhelekileyo idla ngokuhlawulelwa ngemali encinane kwithuba elide lexesha. Kodwa musa ukuhendelwa ekusebenziseni le nkqubo ekubolekeni imali engakumbi.

Thetha Ngoko Uza Kukwenza!

Nayiphi na inkqubo yokuzicuthela amatyala ifuna uthethathethwano ukuba iza kuphumelela. Tyelela okanye tsalela umnxeba nabani na omtyala imali. Ukuba ucinga ukuba kuya kuba kokulungileyo ukubabonisa oko ukucebileyo, babonise. Ubuncinane thetha nabo. Khumbula ukuba, bafuna ukwazi oko ukwenzayo ngale meko. Qhubeka ubazisa ngoko ukwenzayo. Inye nje kuphela into engenakunyamezelwa ngumntu okuboleke okuthile kukusuka uzidlele amacwaka. Ukwenjenjalo kutolikwa ngokukhawuleza njengokungakhathali okanye ukungafuni ukuhlawula. Abantu abaninzi abatyalwa imali baye baqalisa ukumangala emthethweni ukuze bayifumane imali yabo ngenxa nje yokuba kungekho mntu uzikhathaza ngokuchaza oko kwenzekayo.

Ngaba ufanele uqwalasele umbandela wokuba utshonile? Kwamanye amazwe, bonke abantu bafumana iingenelo ezithile ngokwenjenjalo ngelungiselelo lomthetho ophathelele oko, kodwa oko akufanele kuthatyathwe lula. Ukuvula ityala kukuzibophelela kokuthile. Kubandakanyeke imfanelo yokuziphatha. Ukutshona komntu kunomphumo ophawulekayo obangela iingxaki kwabanye. Kuya kuhlala kusisiphako esingasukiyo kwigama lakho.

Akukho nto iphosakeleyo kwingcamango ephelelwe lixesha ethi “hlawula njengoko usebenzisa.” Eneneni, ukuba kunokwenzeka, ikhondo lobulumko kukungazifaki etyaleni kwasekuqaleni. Ityala linokuba ngumgxobhozo wentlabathi onokukuzikisa utshone ungaveli nangonwele. URick noLois bazivumela ukuba batshone ngaloo ndlela. Kumele benze iinguqulelo ezithile, kodwa kancinane kancinane banokucangcatha bezikhupha kumatyala abazidadisa kuwo.

Ukuba ubungcwabeke kwintlabathi yokoqobo, ubuya kusebenzisa nantoni na eshukumayo onayo ukuze uqalise ukumba nokuzikhupha apho. Isenokunwabuluza loo nto, kodwa okuthethayo kukuba iyasebenza! Khumbula ukuba, kungakhathaliseki ukuba kuza kuthabatha ixesha elide kangakanani na okanye kunzima kangakanani na, ukuzikhupha etyaleni akulolize.

[Umfanekiso okwiphepha 26]

Ukuzika etyaleni eliziindleko zemali kufana nokuzika kumgxobhozo wentlabathi