Ukungasebenzi—Ziziphi Izicombululo Ezikhoyo?

“Kuza kuba nzima. Amashishini amaninzi awanamali, kodwa okwangoku awafuni kukuvuma oko.”—Unondyebo waseUnited States.

ABANTU abaninzi sele bezibonele ubunyaniso obungathandekiyo baloo mazwi awayexelwe kwangaphambili ngasekupheleni kowe-1990. Kwiinkampani ezithile, abaqeshwa “abasaseleyo” bebezibuza enoba babeya kuba ngabalandelayo kusini na ukuphelelwa.

Yintoni oya kuyenza ukuba uphulukene nomsebenzi wakho namhlanje? Kulikhondo lobulumko ukuhlala ukulungele oko. Njengokuba inqaku elandulelayo libonisile, ukuphulukana nomsebenzi kuba nomphumo ngokwasezimalini nangokweemvakalelo. Ngoko ke, kubandakanyeke okungakumbi kunokuhlawula nje amatyala. Le ilandelayo yeminye yemigaqo esisikhokelo eye yabanceda abanye ukuba bahlale bezinzile ngokwasezimalini nangokwasengqondweni xa bephulukene nomsebenzi.

1. Musa Ukutatazela

Xa uDominick waphulukana nomsebenzi wakhe, wanyanzeleka ukuba aphume kwindlu yakhe njengoko ibhanki yayiyithabathela kuyo kwaza kwafuneka ukuba intsapho yakhe ayokuyihlalisa nonina. Ucebisa ukuhlala uzolile, bungakhathaliseki ubunzima ebonakala ibubo imeko okuyo. Wathi: “Usebenza okanye ungasebenzi, akuyi kufa yindlala. Ngokwenene kwafuneka ndifunde ukuba sasingayi kufa sonke.” Kunokuba uziqhekeze intloko ucinga ngezona zinto zimbi ezinokukwehlela, ngokuzolileyo sebenzela ekufumaneni izicombululo eziluncedo.

2. Cinga Kakuhle

UJim noDonna banemisebenzi emine yesingxungxo abayenzayo. Noko ke, bamkela umvuzo ongaphantsi kwalowo wawusamkelwa nguJim eyedwa kumsebenzi wakhe osisigxina awayewenza ngaphambili. Phezu kwako nje oku, bayamkela loo meko njengamava asisifundo kubantwana babo abahlanu. UDonna wathi: “Ukuba bezingekho ezi ngxaki bebeya kuphila ubomi obutofotofo. Kodwa bebengayi kuwazi la magingxigingxi akufundisa indlela yokuphila.”

3. Zimisele Ukwamkela Iintlobo Ezintsha Zomsebenzi

Kwanabantu abasebenza eziofisini banokukhetha ukuyiyeka imisebenzi abayifundeleyo baze baqalise umsebenzi omtsha. ULaura, owagxothwa kumsebenzi wakhe wokuphatha, wathi: “Abantu abazijongi iintlobo ezintsha zemisebenzi de babe banyanzelekile ukwenjenjalo.” Waphawula oku: “Kwiminyaka yee-1990, abantu bafanele bafunde ukuba bhetyebhetye ngakumbi.” Ukuzama ukufumana uhlobo lomsebenzi olufana nolo uluqhelileyo​—⁠okanye umvuzo ofanayo⁠—​kunokuwanciphisa amathuba akho okufumana umsebenzi. Phantse oku kuyasibonisa isizathu sokuba abantu abasebenza eziofisini besoloko bethabatha ithuba elide ukufumana umsebenzi kunokuba kunjalo ngabantu abasebenza ngezandla. Ngoko zimisele ukwamkela iintlobo zemisebenzi emitsha enokufumaneka. Abantu abaninzi baye banempumelelo ngokwenzela abanye uhlobo oluthile lomsebenzi, njengokucoca indlu.

4. Phila Ngokwamandla Akho​—⁠Kungekhona Awomnye Umntu

Isixhobo esinamandla nesisetyenziswayo ekubhengezeni izinto kukwakha “intswelo” owawungenayo ngaphambili. Ngokufuthi ushukunyiselwa ukuba uvakalelwe kukuba bonke abanye abantu (ngaphandle kwakho) bayakwazi oko ibe basebenzela kuloo ntswelo. ‘Olu luhlobo bonke abantu abanxiba ngalo [ngaphandle kwakho].’ ‘Lo ngumfanekiso bhanya-bhanya ongundaba-mlonyeni [ngoko kutheni wena ungawubonanga nje?].’ ‘Wonk’ ubani uhamba ngale nqwelo-mafutha [wena uza kuyithenga nini?].’

Izibongozo ezinjalo zinokuyichaphazela indlela esiyijonga nesiyisebenzisa ngayo imali. Umhlobo wakho uthabatha uhambo olubiza imali eninzi. Ngokukhawuleza nawe ufuna ukuthabatha ikhefu. Omnye umhlobo wakho uthenga inqwelo-mafutha entsha. Ngokukhawuleza inqwelo-mafutha yakho uyibona indala, ingekho mgangathweni. Ukumonela oko abanye bakwenzayo kuya kukwenza nje ukuba uchithe imali ongenayo, uthenga izinto ezingeyomfuneko ngokwenene kuwe. Kuphephe ukuzithelekisa okulolo hlobo nabanye okubangela ukuba uzibhangise.

UJim, owaphelelwa ngumsebenzi nokhankanywe ngaphambilana, wathi: “Abantu bayadandatheka xa bengakwazi ukuqhubeka nohlobo lokuphila abacinga ukuba bayalufuna. Ufanele uxhalabele kuphela ukutya nendawo yokuhlala. Enyanisweni konke okunye akuyomfuneko.” Njengokuba iBhayibhile incomela kweyoku-1 kuTimoti 6:⁠8, ‘masanele yinto edliwayo neyambathwayo.’

5. Kulumkele Ukuthenga Ngetyala

Iqweqwe lokuthenga ngetyala lisenokuba luncedo, kodwa lisenako ukuba yeyona nkathazo inkulu yakho. Abathile basebenzisa iqweqwe lokuthenga ngetyala njengento abaxhathisa ngayo. Balisebenzisa ukuwuphepha ngokupheleleyo umbuzo wokuba ‘ngaba ndingayifikelela?’ Eli qweqwe liba liyeza lokudambisa iintlungu elikuvumela ukuba uchithe imali ngaphandle kokucinga okanye ukuvakalelwa ngemiphumo yokuphulukana nemali.

Kwiminyaka yakutshanje phantse ukudumb’ intloko liqweqwe lokuthenga ngetyala kuye kwanda ngkupheleleyo kumazwe amaninzi. Ibe yintoni imiphumo? Umthengisi weekhompyutha waseKorea owathenga inqwelo-mafutha entsha ngeqweqwe lokuthenga ngetyala wakushwankathela oku ngale ndlela: “Xa kulixesha lokuhlawula ityala lam, ndisoloko ndingcungcutheka. Kuba ngathi loo mali ndiyiphose emanzini.” EJapan phantse isiqingatha sabo bonke abo bafuna isiluleko ngendlela yokusebenzisa imali bakwiminyaka yabo yama-20. Kwelo lizwe amaqweqwe okuthenga ngetyala azizigidi ezili-140 ngawabantu abaselula abanamatyala amakhulu.

Ngoko lisebenzise ngobulumko iqweqwe lokuthenga ngetyala. Lisebenzise, kodwa musa ukulivumela ukuba likusebenzise. Musa ukulivumela ukuba likwenze ungayiboni imeko yakho yokwenyaniso ngokwasezimalini. Oku kuya kuthi kuphela kongezelele kuxinezeleko olubangelwa kukuphulukana kwakho nomsebenzi.

6. Gcina Intsapho Yakho Imanyene

Kuhlolisiso olwenziwe kubantu abangama-86-​000, bangaphezu kwesinye kwisithathu abathi imali yayiyeyona ngxaki inkulu kumtshato wabo. Olunye uhlolisiso lwafumanisa ukuba imali yayibangela eyona milo mininzi. Umcebisi ngemali uGrace Weinstein wathi: “Izimo zengqondo ezahlukahlukeneyo ngemali zinokulwenza nzima ulwalamano.”

Kwanesibini esibonakala simanyene sinokuba neembono ezahlukahlukene kakhulu ngemali nendlela efanele isetyenziswe ngayo. Omnye usenokuba ligqolo elilondoloza imali, omnye usenokuyisafaza nje ewanqa yonk’ into.

Ukuba ayiconjululwa kakuhle, imicimbi yemali inokuyandisa ngokukhawuleza imilo yeentsapho. KwiMizekeliso 15:​22 iBhayibhile ithi: “Iingcinga ziyatshintsha ngokungabikho kokucweya [ukuncokolisana ecaleni, NW].” Ibe ngoxa nixubusha imicimbi engemali, zama ukuziqonda nokuzamkela iimbono zeqabane lakho.

7. Londoloza Ukuzixabisa Kwakho

UGrace Weinstein waphawula oku: “Indoda okanye ibhinqa elingasamkeli mvuzo kwakhona, liba nengxaki yokuvakalelwa kukuba lithotyiwe kwiwonga lalo yaye nokuzimela kwalo kuncitshisiwe, ngxaki ezo ezikhokelela ekubeni liphelelwe kukuzixabisa.”

Musa ukungxama ugqibe kwelokuba uye waphelelwa ngumsebenzi kuba ubungagqalwa njengomsébenzi osemgangathweni. URani oneminyaka engamashumi amabini anesithoba ubudala waphelelwa ngumsebenzi wakhe kwiiveki nje ezintathu emva kokuba esandul’ ukunyuselwa imali eyeyona ininzi kudidi awayekulo kumvuzo wakhe wonyaka. Ngoxa ukuba ngumsébenzi onyanisekileyo nonokuthenjwa kunokumgcina umntu angaphulukani nomsebenzi wakhe, oku akusoloko kunjalo. Ngoko ubani akafanele akuthabathe ukuphulukana kwakhe nomsebenzi njengokucukucezwa kwakhe njengongafanelekanga. Nabasebenzi abaxatyisiweyo nabathembekileyo banokuchaphazeleka.

8. Yenza Uqingqo-mali

Abantu abaninzi bayahlasimla xa kuthethwa ngoqingqo-mali. Bavakalelwa kukuba lukukuzibophelela, luyinto eza kubathintela ekuthengeni oko bakufunayo. Akunjalo. Uqingqo-mali lusisixhobo sokukunceda ukuba ufikelele usukelo lwakho, ingekuko ukukuthintela. Luyinkqubo nje yokulawula nokucwangcisa kakuhle ukuze ubone oko ukwenzayo ngemali yakho nendlela yokuyisebenzisela oko ukufunayo.

Ngokumangalisayo, abantu abaninzi abazi apho imali yabo iphelela khona. Kunoko, baba ngamaxhoba okusuka nje bathenge izinto bandule bakhalaze bathi: “Iphelele phi na yonke le mali?” Imfuneko yokuphepha inkcitho elolo hlobo ibaluleke ngokukhethekileyo xa amaxesha enzima ngokwasezimalini. Ngobulumko iBhayibhile yathi kwiMizekeliso 21:⁠5: “Cwangcisa ngenyameko yaye uya kuba nentabalala; ukuba uyangxama, akusayi kuze ube nezinto ezaneleyo.”​—⁠Today’s English Version.

Ukuze ukwazi ukulilandela eli cebiso, gcina ingxelo ebhaliweyo. Bhala phantsi yonke inkcitho yakho yenyanga iphela, zihlahlele iinkcitho zakho. Kwakhona, gcina ingxelo yemali engenileyo. Ukuba ufumanisa ukuba imali ephumayo ininzi kunengenayo, khangela kwiinkcitho zakho ukuze ufumane umthombo wengxaki. Wakuba nje uyazi inkcitho yakho nalapho uyichithela khona, unokukwazi ukuyilawula imali yakho.

Uqingqo-mali lwakho lugcine lubhetyebhetye. Kwiinyanga ezimbalwa zokuqala, uya kufumana iimpazamo ezithile yaye ezinye iinkcitho usenokuzilibala. Yenza iinguqulelo uze ulungise de uqingqo-mali lwakho lulingane neemfuno zakho. Ngaloo ndlela uqingqo-mali olulungileyo luya kukusebenzela kakuhle, lungakufaki ezingxakini.a

namsebenzi. Kodwa ukuze ezi ngongoma zisebenze, zifanele zivisisaniswe nentelekelelo efanelekileyo engokubaluleka kokwenyaniso kwemali. Ngokwenene, imali ibaluleke kangakanani? Ngaba ikho nayiphi na enye into enokuza kuqala kunemali, kwanaxa ubani ephulukene nomsebenzi wakhe? Le mibuzo siza kuyihlolisisa kwinqaku elilandelayo.

[Umbhalo osemazantsi]

[Ibhokisi ekwiphepha 8]

Ukwenza Uqingqo-mali:

1. Bala imali engenayo.

2. Gcina ingxelo yenyanga yonke ukuze ufumanise apho uyichitha khona imali yakho.

3. Lungiselela uqingqo-mali olusekelwe kumanyathelo amabini okuqala. Gqiba ngemali efanele isetyenziswe kwinto nganye.

4. Yenza iinguqulelo eziyimfuneko kuqingqo-mali lwakho.

[Umfanekiso okwiphepha 7]

Izibini ezitshatileyo zifanele zibonisane khon’ ukuze imicimbi yemali ingajiki ibe yimilo yentsapho