Indlela Onokuzikhusela Ngayo Kurhwaphilizo

MHLAWUMBI wakha weva ngesaci esithi, “Akunakumqhatha umntu onyanisekileyo.” Njengezaci ezininzi, nesi asichananga. Mihla le abantu abanyanisekileyo baba ngamaxhoba orhwaphilizo; ukunyaniseka nje kukodwa akubakhuseli. Emhlabeni kukho oongqondo-ngqondo abathi behleli nje babe bequlunqa amaqhinga okwahlukanisa abantu nemali yabo. Kwiminyaka engaphezu kwekhulu eyadlulayo, omnye umbhali wathi: “Kukho iindlela zorhwaphilizo ezichuliweyo kangangokuba ngumntu osisiyatha osindayo kuzo.”

Kudala ikho inkohliso, kususela kumyezo wase-Eden. (Genesis 3:1-5) Amaqhinga amadala ayaphelelwa kuze kuphekw’ amatsha lonk’ ixesha. Ngoko unokuzikhusela njani? Akuyomfuneko ukuba ufunde ngazo zonke iindlela abaqhathwa ngazo abantu zizaphuli-mthetho. Zimbalwa izinto eziya kuhlala zikunceda ungabi lixhoba.

Khusela Iinkcukacha Zakho

Ukuba umntu ube incwadi yetsheki okanye iicredit cards zakho, unokuthenga ngazo. Ukuba ube inkcazelo yeakhawunti yakho yasebhankini, unokuthenga izinto ngegama lakho. Ukuba ufumana inkcazelo eyaneleyo ngawe usenokuzama ukuzenza wena. Xa sele sikwenzile oku, isaphuli-mthetho sinokuyikhupha imali yakho ebhankini, sithenge izinto ngecredit card yakho size siboleke imali egameni lakho.a Unokuzibona sele ubanjwa ngolwaphulo-mthetho ongalwenzanga!

Ukuze uzikhusele kolu rhwaphilizo, kufuneka ukhusele onke amaxwebhu akho, kuquka iingxelo zakho zasebhankini, iincwadi zetsheki, iphepha-mvume lokuqhuba namanye amakhadi aneenkcukacha zakho okanye isasizi. Musa ukunikisa ngenkcazelo yakho okanye eyemali yakho kwabanye ngaphandle kokuba kukho izizathu ezivakalayo zokuba bayazi. Oku kubaluleke ngokukodwa xa kufikelelwa kwiinombolo zecredit card neenkcukacha zeakhawunti yebhanki. Ekuphela kwexesha onokunikisa ngenombolo yecredit card yakho kuxa uthenga ngayo.

Kukho oonqalintloko abathanda ukuvumbulula enkunkumeni bekhangela iinkcukacha zabantu. Kunokusuka nje ulahle amaphepha aneenkcukacha zakho, kuya kuba bubulumko ukuwatshisa okanye uwakrazule. Oku kuquka iitsheki ezihlatyiweyo, iingxelo zebhanki, iinkampani zoshishino, iicredit cards ezindala, iphepha-mvume lokuqhuba nencwadana yokundwendwela. Iya kuba bubulumko nokutshabalalisa izicelo zecredit card ozifumana eposini ungazicelanga, kuba zinenkcazelo yakho enokusetyenziswa kakubi ngomnye umntu.

Sebenzisa Ingqiqo

Eyona ndlela iphambili ekuqhathweni kwabantu kukubathembisa inzala eninzi xa betyala imali yabo. Urhwaphilizo oluxhaphakileyo lokutyeba ngondlela-mnyama ngokukhawuleza ngumasinyusane. Nakuba zininzi iindlela ezisetyenziswayo zolu hlobo, eyona iqhelekileyo kukuba abatyali-mali beze nabanye abatyali-mali, nto leyo bahlawulwa ngayo.b Kuthunyelwa iileta kwiqela labantu abatsha kucelwa ukuba ngamnye athumele imali kwabo bakuluhlu oluphezulu. Kuthenjiswa ukuba nawe uya kufumana amawaka eerandi xa igama lakho lifika kuluhlu oluphezulu.

Oomasinyusane basoloko bebhanga kuba akunakwenzeka ukuqhubeka ufumana amalungu amatsha. Khawuqwalasele ezi zibalo. Ukuba abantu abahlanu baqalisa umasinyusane aze ngamnye afumane abanye abantu abahlanu, loo masinyusane uba nabantu abatsha abangama-25. Ukuba ngamnye wabo naye uza nabakhe aba-5, oko kuya kuthetha abantu abali-125 abangakumbi. Xa oku kufikelela kwinqanaba lesithoba, kuya kube sele kukho abantu abamalunga nezigidi ezibini nabo abaya kuza nabantu abangaphezu kwezigidi ezisithoba! Abaseki baloo masinyusane bazi kakuhle ukuba xa kufikelelwa kwinqanaba elithile akuyi kufumaneka bantu bangakumbi. Xa beqonda ukuba kufikelela apho, bathabatha imali baphel’ emehlweni. Kunokwenzeka ulahlekelwe yimali yakho, yaye abo bangeniswe nguwe baza kufuna imali yabo kuwe. Khumbula, ukuze ufumane imali kumasinyusane, kumele kubekho olahlekelwa yimali yakhe.

Ngaba kukho umntu okuthembisa imali eza lula okanye inzala eninzi xa unokutyala imali ethile? Nasi isilumkiso: Ukuba inzala oyithenjiswayo ininzi gqitha ukuba ifumaneke, sukube iyinkohliso leyo. Musa ukungxama ukholelwe izibhengezo namaphepha, ucinge ukuba, “Oku kwahlukile.” Hlala uyiqonda into yokuba abantu abashishini ngenjongo yokunceda abanye ngemali okanye ukwabelana nabo ngeendlela zokuba zizityebi. Ukuba kukho othi unolwazi olukhethekileyo oluya kukunceda ufumane imali eninzi, zibuze oku: ‘Kutheni engazincedi nje yena abe sisityebi? Kutheni echitha ixesha lakhe kum?’

Wenza ntoni xa kusithiwa uphumelele ukhuphiswano okanye ibhaso elithile? Musa ukuvuya—kunokwenzeka ukuba lurhwaphilizo olo, olona lwenzakalisa abantu abaninzi. Ngokomzekelo, elinye ibhinqa laseNgilani lafumana ileta evela eKhanada isithi liphumelele ibhaso kodwa kufuneka lithumele ii-R165 ukuze lilifumane. Emva kokuba lithumele loo mali, lafumana umnxeba ovela eKhanada ulixelela ukuba liphumelele ibhaso lesithathu elixabisa ii-R1,6 zezigidi kukhuphiswano kodwa lifanele lihlawule umlinganiselo othile waloo mali ukuze lithunyelwe. Lathumela i-R16 000 yaye alizange lifumane nesenti. Ukuba kufuneka uhlawulele “isipho sesisa” okanye ibhaso, bubuqhetseba obo. Zibuze oku, ‘Kwenzeka njani ukuba ndiphumelele ibhaso kukhuphiswano endingakhange ndilungenele?’

Yenza Ushishino Nabantu Abadume Kakuhle Kuphela

Ngaba ucinga ukuba ungakwazi ukubabona abantu abanganyanisekanga? Lumka! Abarhwaphilizi kuthiwa ziincutshe zokukhohlisa, okanye oodyakalashe kuba bayakwazi ukuzenza bathenjwe ngabantu. Banobuchule bokwenza amaxhoba abo abathembe. Abathengisi, abanyanisekileyo nabanganyanisekanga bayazi ukuba ngaphambi kokuba abantu bathenge kuwe bamele baqale bakuthembe. Kakade, oku akuthethi kuthi umele ungathembi kwamntu, kodwa kufuneka usebenzise ingqiqo ukusa kumkhamo othile ukuze uzikhusele ekuqhathweni. Kunokuzama ukuqonda ukuthembeka komntu ngeendlela zakho, khangela ezi zinto zimbini zidla ngokwenzeka kurhwaphilizo oluninzi: Kuqala, ngaba imali ethenjiswayo ininzi ngokukrokrisayo yaye okwesibini, ngaba umntu okuthengiselayo uyakugxagxamisa ukuba uvume?

I-Internet izaliswe zizithembiso ezinenzala eninzi ngokukrokrisayo. Nakuba i-internet iluncedo, yenza izaphuli-mthetho zikwazi ukurhwaphiliza imali yabantu ngokukhawuleza, yaye zingaziwa. Ngaba uneakhawunti ye-E-mail? Ukuba unayo, unokuzibona sele uthunyelelwa izibhengezo ezingapheliyo—iiE-mail zentengiso ongakhange uzicele. Nakuba ezi zibhengezo zikuchazela ngentlaninge yezinto ezithengiswayo neenkonzo, ezininzi iba zezobuqhetseba. Ukuba uyaziphendula uthumele imali uthenga okanye ufuna ukwenzelwa into ethile, kusenokwenzeka ungafumani kwanto. Ukuba ikho othe wayifumana, nakanjani iya kube ingalifanele ixabiso laloo mali uyihlawuleyo. Icebiso kukuba, Ungaze uthenge kwanto kubantu bezo zibhengezo.

Kunjalo nangabantu abakutsalel’ umnxeba bekuthengisela izinto. Nangona iminxeba emininzi yabantu abathengisayo ivela koosomashishini abafanelekileyo, abantu abasebenzisa umnxeba ukuqhatha abanye bemka nemali yabantu efikelela kumawaka ezigidi zeerandi minyaka le. Ayikho indlela onokwazi ngayo ukuba into ethengiswayo ifanelekile kusini na ngokuthetha nje nomntu emnxebeni. Iqhophololo linokuzenza ummeli webhanki okanye umntu okhusela iicredit cards. Ufanele ukrokre xa kukho umntu okutsalela umnxeba esithi usebenza ebhankini okanye kwinkampani oneakhawunti kuyo kodwa aphinde abuze kuwe iinkcukacha ebekufanele ukuba unazo. Ukuba oko kuyenzeka, usenokucela iinombolo zefowuni yaloo mntu. Mtsalele umnxeba emva kokuba uqinisekisile ukuba ezo nombolo zezebhanki yakho okanye isebe layo.

Ubulumko kukuba unganikisi ngenombolo yecredit card yakho okanye naziphina iinkcukacha zakho kumntu ongamaziyo okutsalela umnxeba. Ukuba kukho umntu okutsalela umnxeba ekuthengisel’ into ongayifuniyo, unokuthetha naye kakuhle uthi, “Uxolo, andithethi ngemicimbi yoshishino emnxebeni nabantu endingabaziyo.” Emva koko beka phantsi umnxeba. Akukho sizathu sokuqhubeka uncokola ngento ongayifuniyo nomntu ongamaziyo ekunokwenzeka ukuba uzama ukukuqhatha.

Yenza ushishino nabantu abadume kakuhle kuphela. Zininzi iinkampani ezifanelekileyo onokusebenzisana nazo kushishino ngomnxeba okanye ngeInternet ngendlela ekhuselekileyo. Ukuba kuyenzeka, funa iinkcukacha zalo mntu ukuthengiselayo, ezenkampani nezaloo ndawo yotyalo-mali kwenye inkampani ezimeleyo. Buza iinkcukacha zolo tyalo-mali, yaye zifundisise ngenyameko ukuqinisekisa ukuba zifanelekile. Ungavumi ugxagxanyiswe okanye ucinezelwe ukuba wenze izigqibo ngokukhawuleza.

Zibhaleni Phantsi Iinkcukacha

Asilulo lonke urhwaphilizo oluqalwa ngeenjongo. Kushishino olunyanisekileyo izinto zinokuguquka zingahambi kakuhle. Xa kusenzeka oko, abalawuli balo banokoyika baze babhenele emaqhingeni befuna ukubuyisa imali yabo. Ngokuqinisekileyo ukhe weva ngabaphathi bamashishini abaye baxoke ngengeniso nenzuzo efunyanwa lishishini xa elo shishini libhanga baze bemke naloo mali iseleyo.

Ukuze uphephe ukukhohliswa nokungaqondani, umele ufune iinkcukacha ezibhaliweyo ngaphambi kokuba wenze naluphi na utyalo-mali. Nasiphi na isivumelwano osityobelayo simele sibe nazo zonke iinkcukacha zolo tyalo-mali nezithembiso ezenziweyo. Yiqonde nento yokuba, kungakhathaliseki ukuba utyalo-mali lubonakala lunokuthenjwa kangakanani na, akakho umntu onokuqinisekisa ukuba izinto ziza kuhamba ngendlela. (INtshumayeli 9:11) Enyanisweni, akukho tyalo-mali lungenazo iingxaki. Ngoko, kwisivumelwano kufanele kubhalwe phantsi oko kuya kwenziwa nembopheleleko zomntu ngamnye xa elo shishini lisilela.

Xa uyiqonda uze uyisebenzise le migaqo ibalulekileyo sithethe ngayo, aya kuba mbalwa amathuba okuba uqhathwe. Umzekeliso wamandulo weBhayibhile usinika icebiso elifanelekileyo. Uthi: “Nabani na ongenamava ukholwa ngamazwi onke, kodwa onobuqili uyawaqwalasela amanyathelo akhe.” (IMizekeliso 14:15) Iqhophololo likhetha amaxhoba angenamava, abo bakholelwa konke oko likuthethayo. Okubuhlungu kukuba, baninzi abantu abangenzi nto ukuze baphephe ukutyelwa imali.

[Imibhalo esemazantsi]

[Amagama acatshulweyo akwiphepha 7]

Ukuba inzala oyithenjiswayo ininzi ngokukrokrisayo, sukube iyinkohliso leyo

[Ibhokisi/Umfanekiso okwiphepha 6]

Icebiso Kumaxhoba Orhwaphilizo

Ngokuqhelekileyo amaxhoba orhwaphilizo aba neentloni, azive enetyala, adane yaye azicaphukele. Musa ukuzibek’ ityala. Wena ulixhoba nje; umntu onetyala ngulowo ukukhohlisileyo. Ukuba wenze impazamo, yamkele loo nto uze uqhubeke nobomi. Sukucinga ukuba usisidenge. Khumbula ukuba amaqhophololo akhohlisa nabona bantu bakrelekrele—iintloko zaMazwe, abaphathi beebhanki, amalungu esigqeba, abaphathi bemali, amagqwetha nabanye.

Amaxhoba orhwaphilizo akalahlekelwa yimali okanye izinto zawo nje kuphela kodwa aphelelwa nakukuzithemba. Xa ukhohliswe “ngumhlobo,” ungcatshwa ngumntu omthembayo. Kubuhlungu gqitha ukukhohliswa. Ziphe ixesha lokulila. Kudla ngokuba luncedo ukuthetha ngako oku nomntu onokuzityand’ igila kuye. Nomthandazo unokukuthuthuzela gqitha. (Filipi 4:6-8) Noko ke, yiqonde into yokuba ekuhambeni kwexesha umele uyiphose ngasemva yonke loo nto. Kutheni uzihlalisa entlungwini ixesha elide? Zibekele usukelo lwezinto ezakhayo, uze usebenzele ukulufikelela.

Lumkela ukuqhathwa ngabantu abathi baza kwenza icebo lokubuyisela imali yakho. Oonqalintloko batsalela ixhoba umnxeba bethembisa ukubuyisela imali yalo. Injongo yabo kukuphinda baligqebhe olunye uduma.

[Ibhokisi/Umfanekiso okwiphepha 8, 9]

Urhwaphilizo Lwezibhengezo Ze-Internet—Iintlobo Ezintandathu Eziqhelekileyo Zorhwaphilizo nge-email

1. Urhwaphilizo lukamasinyusane: Lusoloko lubonakala njengethuba lokuzuza imali eninzi ngaphandle kokusebenza nzima yaye ungazukuchitha mali ingakho. Kolunye uhlobo umntu uthenjiswa ikhompyutha okanye esinye isixhobo se-elektroniki xa enokuhlawula imali yokungenelela aze angenise abanye abantu. Enye indlela kukuthumela udederhu lweeleta kwiqela labantu. Ubukhulu becala ezi leta zidla ngokungabikho semthethweni. Inkoliso yabo batyala imali yabo kuzo iphulukana nemali yayo.

2. Urhwaphilizo lokusebenzela ekhaya: Koluny’ uhlobo, uthunyelelwa izinto ezifana nezacholo, izinto zokudlala, okanye izinto ezifuna ukudityaniswa. Uchitha imali yakho ekuthengeni ezo zinto nexesha uzidibanisa usenza loo nto ifunwayo, suke uxelelwe ukuba azinakuthengwa kuba azikho mgangathweni.

3. Ukuqhatha abantu ngokubathengisela izinto zokubanceda babe sempilweni nezokunciphisa umzimba: I-Internet izaliswe yintengiso yezinto ezifana neepilisi ezinceda abantu banciphise umzimba ngaphandle kokuzilolonga okanye babophe ibhanti, ezokunceda amadoda aneengxaki zesini nezithambiso ezithintela ukuwa kweenwele. Kwezi ntengiso udla ngokuchazelwa ngabathengi abaye bancedwa yiloo mveliso. Kudla ngokusetyenziswa amabinzana athi “uloyiso lwenzululwazi,” “unyango olungummangaliso,” “imfihlelo,” nelithi “isithako samandulo.” Inyaniso kukuba inkoliso yezi mveliso ayisebenzi.

4. Ukuqhatha ngezithembiso zamathuba otyalo-mali: Kolu uhlobo uthenjiswa ngenzala eninzi nangokukhuselwa kwemali yakho. Udla ngokuthenjiswa ukuba imali yakho iza kutyalwa kwibhanki ephesheya kolwandle. Abatyali-mali batsalwa ziziqinisekiso zokuba imali yabo isezandleni zabantu abawuqonda kakuhle umcimbi nabanolwazi olukhethekileyo.

5. Izithembiso zokunceda abantu baphinde bakwazi ukuthenga ngetyala: Kolu urhwaphilizo uthenjiswa ngokucima inkcazelo embi kwingxelo yakho yokuthenga ngetyala ukuze ukwazi ukuphinda ufumane icredit card, imali-mboleko yokuthenga imoto okanye ufumane umsebenzi. Zingakhathaliseki iziqinisekiso zabo, abanakukwazi ukwenza oko bakuthembisayo.

6. Izithembiso zamabhaso okuya ekhefini: Umntu ufumana iE-mail evuyisana naye ngokuphumelela ibhaso lokuya ekhefini xa enokuhlawula imalana nje encinane. Ezinye zithi unyulwe ngendlela ekhethekileyo. Khumbula ukuba eso sibhengezo sinye sisenokuba sithunyelwe nakwezinye izigidi zabantu yaye loo ndawo uyifumeneyo isenokungabi yeyomgangatho ophezulu njengoko ichazwa.

[Inkcazelo]

Umthombo: U.S. Federal Trade Commission

[Umfanekiso okwiphepha 7]

Oomasinyusane basoloko bebhanga

[Umfanekiso okwiphepha 9]

Nasiphi na isivumelwano osityobelayo simele sibe nazo zonke iinkcukacha zolo tyalo-mali nezithembiso ezenziweyo