Kutheni Ufanele Wonge Kunokuba Usoloko Uthenga?

ABANTU abaninzi bathi, “ukonga imali kuyakruqula. Eyona nto imnandi kukuthenga iimpahla, izinto ze-elektroniki nezinye.”

Enoba uye wathwaxwa kukuwa kwezoqoqosho zehlabathi okanye akunjalo, uya kuzuza lukhulu xa ufunda iindlela zokonga imali kunye nezokuthenga ngobulumko. Khawuve eli cebiso eliphuma kumthombo onokuthenjwa neliye lanceda izigidi zabantu zakwazi ukuyisebenzisa kakuhle imali yazo, ukutyhubela iinkulungwane.

Amazwi Obulumko Amathathu Amandulo

Komnye wemizekeliso yakhe uYesu waseNazarethe wanika abantu icebiso elibalulekileyo ngendlela yokusebenzisa imali. Kulo mzekeliso, inkosi ethile yathi kwikhoboka layo: “Ubumelwe ke ngoko ukuyifaka ebhankini imali yam, ndize ndithi, ndakufika, ndiyifumane inenzala.” (Mateyu 25:27, IBhayibhile YesiXhosa Yowe-1996) Oko kwathethwa nguYesu kusabalulekile nanamhlanje. Makhe sibone isizathu soko.

Kule minyaka idluleyo, kwamanye amazwe inzala owawuyifumana ebhankini emva kweminyaka elishumi uvalele imali yayisiba ninzi kunalo mali ubuyivalele. Nangona namhlanje zingekho ninzi iibhanki ezikunika inzala eninzi ngolo hlobo yaye inzala oyifumanayo xa utyale imali ingasoloko ilingana naleyo ubuyilindele, kububulumko ukonga imali ukuze ukwazi ukuyisebenzisa ngamaxesha kaxakeka.

NeBhayibhile iyavuma, isithi: “Ubulumko buyakhusela njengokuba nemali ikhusela.” (INtshumayeli 7:12) Kodwa ke imali ayikwazi ukukukhusela xa ungakhange uyonge. IBhayibhile ithi: “Ngamnye wenu . . . makabekele bucala okuthile kuvimba ngokwengeniso ayizuzileyo.”—1 Korinte 16:2.

Indlela Yokonga Imali

Okokuqala, ngaphambi kokuba uthenge into ebiza imali eninzi, zibuze enoba uyidinga ngokwenene kusini na.

Okwesibini, xa kukho into oyifunayo, khangela izinto ezintsha ezinamaxabiso athotyiweyo okanye ezisekwimeko entle nangona zikhe zasetyenziswa. UEspen noJanne, abazali abahlala eNorway babefuna ukuthengela unyana wabo uDaniel inqwelo eyenzelwe ukuqhuba abantwana. Bafumana eyayikhe yasetyenziswa ngesiqingatha sexabiso layo. UEspen uthi: “Xa uDaniel sele ekhulile ndiqinisekile ukuba siza kukwazi ukuyithengisa ngexabiso elincumisayo.” Kodwa ulumkisa ngelithi: “Ukukhangela izinto zexabiso elifikelelekayo kuthatha ixesha elininzi.” Ngoko usenokuzibhaqa sele uchitha ixesha elibalulekileyo kuba ukhangela izinto ezinamaxabiso aphantsi.a

Okwesithathu, mus’ ukungxama; cinga ngaphambi kokuba uthenge. Xa uqinisekile ukuba ufanele uyithenge into ethile, usenokuyikhangela kwivenkile enamaxabiso aphantsi. Kwakhona unokonga imali xa ungathengi kuphela izinto zegama. Kwakhona, kunokuba uthengele abantwana izinto zefashoni kwiivenkile ezinamaxabiso aphezulu, unokubanxibisa impahla eyayikade inxitywa ngabantwana abadala kunabo.

Umdlezana unokunxibisa umntwana wakhe ilweyile elihlanjwayo. Kwincwadi yakhe ethi Budgeting—Personal Spending and Money Management a Key to Weathering the Storm, uDenise Chambers uthi: “Amalweyile alahlwayo anokunxitywa ngumntwana iminyaka emibini axabisa iR13 500 nangaphezulu. Kanti wona ahlanjwayo . . . axabisa iR2 000 ukuya kwi-R3 500.” Wongezelela athi: “Amalweyile ahlanjwayo ezi mini kulula ukuwasebenzisa yaye awayingcolisi kangako indalo!”

Okwesine, kudla ngokungabizi mali ingako ukuthenga izinto uze upheke kunokuba niye kwivenkile yokutyela. Ukuba abantwana bakho bahamba isikolo unokubafundisa ukuzenzela umphako kunokuba ubanike imali yokuthenga ukutya okubizayo. Kunokuba uthenge iziselo ezibiza imali eninzi, sela amanzi la kanonkala. Anempilo yaye akabizi mali ingako.

Izol’ oku iintsapho bezidla ngokuba nezitiya zazo. Nawe unokukulima ngokwakho okunye ukutya. Abantu abaninzi kuquka nabo barentayo okanye abanomhlaba omncinane baba nayo indawo abanokulima kuyo. Uya kumangaliswa kukwazi indlela okukuninzi ngayo ukutya onokukulima kwisitiya nje esincinane.

Kwakhona: Ukuba kufuneka ube neselfowuni, unokuyisebenzisa kuphela xa kuyimfuneko uze ufake imali elinganiselweyo yokufowuna. Ukuba unomatshini wokomisa impahla, ngaba ukhe wacinga ngokuwusebenzisa kuphela xa kuyimfuneko? Unokuyoneka phandle enye impahla yaye ngamanye amaxesha unokude uyoneke yonke phandle. Kwakhona unokungazisebenzisi kangako izinto zokufudumeza okanye zokupholisa indlu. Ngaphambi kokuba usebenzise enye yazo zibuze, ‘Ngaba ngokwenene imozulu imbi ngolo hlobo?’ Usenokubuza kwabanye ezinye zezinto abazenzayo ukuze bonge umbane.

Kwakhona, kuluncedo ukuvula iakhawunti yokonga imali. UHilton, olitsha-ntliziyo elisebenza eMzantsi Afrika uthi: “Musa ukufaka yonke imali yakho kwiakhawunti enye. Ngamanye amaxesha, iibhanki nezinye iindawo zotyalo-mali ziyatshona. Loo nto ikhe yenzeka.” Ngoko faka imali yakho kwibhanki enesiqinisekiso sokuba urhulumente uza kuyihlawula xa itshona.

Indlela Yokuphuma Ematyaleni

Okokuqala, xa uhlawula amatyala akho, zama ukuhlawula imali engaphezu kwale ufanele uyihlawule ngenyanga.

Okwesibini, qala ngokuhlawula ityala elinenzala eninzi.

Okwesithathu, musa ukuyisafaza imali. Kubaluleke kakhulu ukulumka kule inkalo.

Ngaba ukhe wahendwa zizibhengezo zentengiso ezikwenza ufune ukuthenga? UDanny indod’ enentsapho yaseSweden uthi le nto ikhe yenzeka kuye. Wayeneshishini eliqhuba kakuhle kodwa kwanyanzeleka ukuba alithengise ukuze ahlawule ityala awayelenze ngecredit-card. Wafund’ isifundo yaye ngoku uyisebenzisa kakuhle imali yakhe. Ucebisa ngelithi: “Kulumkele ukunyoluka. Yaneliseka uze uphile ngemali onayo.”

Amatyala Ayimfuneko

Bambalwa abantu abanemali yokuthenga indlu. Ngenxa yoko, abaninzi bayiboleka ebhankini imali yokwenjenjalo. Imali abayihlawula ibhanki rhoqo ngenyanga ukuze bahlawule ityala labo inokufaniswa nerenti. Kodwa ke indlu iba yeyabo xa belihlawule lonke ityala labo.

Kwakhona, abantu abaninzi bakufumanisa kuluncedo ukuboleka imali ukuze bathenge imoto engasebenzisi ipetroli eninzi. Xa belihlawula baligqibe ngokukhawuleza kangangoko kunokwenzeka ityala labo, imoto yabo ifana nemali abayivalele ebhankini.b Abanye bakufumanisa kububulumko ukuthenga imoto ekhe yasetyenziswa xa isahambe iikhilomitha ezingekho ninzi kangako. Abanye bonga imali ngokusebenzisa izithuthi zikawonkewonke okanye bahambe ngebhayisekile.

Enoba wena ukhetha yiphi, thenga ngobulumko uze ucingisise ngaphambi kokuba wenze izigqibo. Usenokuzibhaqa sele unomkhwa wokusafaza ngemali yaye oko kunokukufaka kwiingxaki ezininzi. Ngoko zifundise ukulumka xa uza kusebenzisa imali kuba ukwenjenjalo kunokukwenza usoloko wonwabile.

Ngaphezu koko, ukuze ukwazi ukonga imali kufuneka ufunde ukuyisebenzisa kakuhle. Kuza kuthethwa ngaloo nto kwinqaku elilandelayo.

[Imibhalo esemazantsi]

[Imifanekiso ekwiphepha 5]

IINDLELA ZOKONGA IMALI

Khangela izinto ezinamaxabiso athotyiweyo

Thenga impahla kwiivenkile ezinamaxabiso aphantsi okanye ezithengisa impahla ekhe yanxitywa

Bafundise ukupheka abantwana bakho

[Umfanekiso okwiphepha 6]

Lima imifuno ukuze unciphise iindleko zokuthenga ukutya. Yonga imali ngokuyoneka phandle impahla