Abantu Abaselula Bayabuza . . .

Ngaba Ndifanele Ndibe Nekhadi Lokuthenga Ngetyala?

“Ndafumana isicelo sam sokuqala sekhadi lokuthenga ngetyala ngeposi xa ndandineminyaka eli-16 ubudala. . . . Ndithe ndakuba neminyaka eli-18 ubudala, ndaba sele ndinetyala elimalunga nama-$60 000 [ii-R364 000].”—UKristin.

EKUQALENI, uKristin wayegqibe kwelokuba asebenzise ikhadi lakhe lokuthenga ngetyala kwiimeko zongxamiseko kuphela—yaye wayeza kuthenga loo nto wayeyifuna ngelo xesha kodwa engenakuyihlawula ngoko nangoko. Kodwa waphulukana nokuzeyisa. UKristin uyavuma ukuba: “Ndaqalisa ukuthenga nje phambi konyawo ibe ndandibutha nje yonke into endandinokuyiodola kwiindawo ezithengisa iimpahla. Eneneni ndandithenga izinto endandingazifuni.” Ngoku uKristin uwajonga ngenye indlela amakhadi okuthenga ngetyala. Uthi: “Ndandingazi ukuba eli khadana leplastiki linokundikhuthuza kangaka.”—Iphephancwadi iTeen.

Le nto ayiqali kwenzeka ngoKristin. Baninzi abantu abaselula abaseza kutyhobeka ngenxa yale plastiki, ilikhadi lokuthenga ngetyala. Kwezinye iimeko, kukho iinkampani ezibafuna apho bebekho abantu abaselula. Kusenokwenzeka ukuba ziyazi ukuba kubantu abaninzi abathanda ukusebenzisa imali, amakhadi okuthenga ngetyala anokuba “sisiyobisi semali,” ngokutsho kukaJane Bryant Quinn ongumcebisi ngemali. Uthi: “Okukhona besisebenzisa, kokukhona kuya kusiba nzima ukusiyeka.”

Kuyavunywa ukuba, ukuba nekhadi lokuthenga ngetyala kunokuba neengenelo—ngokomzekelo, xa kuvela imeko yongxamiseko okanye kungebobulumko ukuphatha imali. Eso sesinye sezizathu zokuba amakhadi okuthenga ngetyala athandwe gqitha eUnited States, nakwamanye amazwe. Noko ke, ukuba alisetyenziswa ngendlela esengqiqweni, ikhadi lokuthenga ngetyala linokumeyelisela emhadini lowo ulisebenzisayo. Ngenxa yoko, ingxelo eyapapashwa kwiGlobe and Mail yaseToronto yathetha ngokwanda okuphindwe kathathu “kwenani labo baneminyaka engama-20-23 ubudala abantyumpantyumpeka ematyaleni nabaye kwiZiko Lokucebisa Ngendlela Yokuphepha Amatyala laseToronto befuna uncedo.” Le ngxelo yathi abanye babenamatyala afikelela kwii-$25 000 (ii-R99 000), ibe lawo abangelwa likhadi lokuthenga ngetyala ayephala phambili.

Ngaba ufanele ube nekhadi lokuthenga ngetyala? Eso sisigqibo esimele senziwe ngabazali bakho. Ukuba bacinga ukuba ukhe ulinde kancinane, yiba nomonde. Ukuba uzingqina unobulumko bokusebenzisa imali, mhlawumbi kuya kuthi kungekudala abazali bakho bakunike iimbopheleleko ezingakumbi ezingokwemali. (Thelekisa uLuka 16:10.) Okwangoku, ufanele wazi ukuba ukusebenzisa ikhadi lokuthenga ngetyala—kanye njengokuqhuba inqwelo-mafutha—kuneengenelo neengozi.

Ukubala Iindleko

Ukusebenzisa ikhadi lokuthenga ngetyala kuyafana nje nokuboleka imali. Kanye njengokuboleka, ufanele uhlawule loo mali uyibolekiweyo. (IMizekeliso 22:7) Kodwa uzihlawula njani izinto ozithenge ngekhadi lokuthenga ngetyala?

Ngokuqhelekileyo, uthunyelelwa ingxelo eprintiweyo ngasekupheleni kwenyanga nganye, ebonisa izinto ezithengwe ngekhadi netyala lakho. Kwakhona le ngxelo ibonisa imali ofanele uyihlawule zisuka nje. Ngokuqhelekileyo le mali iba ncinane. Loo nto ikwenza ucinge ukuba, ‘Noko ayikhwazi kangako. Ukuba ndinokuhlawula nje umnconwana wemali efunekayo nyanga nganye, ekuhambeni kwexesha ndakulihlawula ndiligqibe ityala lam.’ Noko ke ingxaki isekubeni, emva kwethuba elithile, kuya kongezelelwa imali yenzala phezu kwetyala elo. Yaye imali yenzala yekhadi lokuthenga ngetyala ixhome kakhulu.a

Khawucinge nje ngoJoseph, owayenetyala elimalunga nee-R6 000 kwenye ingxelo yenyanga. Kambe ke, umnconwana ekwakufuneka ewuhlawule uJoseph wawuzii-R121. Kodwa xa wayehlolisisa ingxelo leyo, uJoseph wafumanisa ukuba ngaphandle kwetyala laloo nyanga kwakukho imali yenzala emalunga nee-R103! Loo nto yayithetha ukuba, nokuba uJoseph wayewuhlawule loo mnconwana wee-R121, wayelinciphise nje ngee-R18 ityala lakhe lee-R6 000!

Kuthabatha ixesha elingakanani ukuhlawula izinto ezithengwe ngekhadi lokuthenga ngetyala ukuba uhlawula nje umnconwana wemali efunekayo? Icaphula omnye umzekelo, incwadana eyapapashwa yiFederal Trade Commission and American Express ithi: “Ukuba unetyala elingekahlawulwa elizii-$2 000 [ii-R12 000], nemali yenzala eli-18.5% nomnconwana wemali oyihlawulayo ngenyanga, kunokuthabatha ngaphezu kweminyaka eli-11 ngaphambi kokuba uligqibe eli tyala ibe uya kube uhlawule ii-$1 934 [ii-R11 720] ezithe kratya, nto leyo eyiphinda kabini imali owawuthenge ngayo.”

Sele ubonile ukuba, ukuba akulumkanga, unokuzeyelisela kowona unzulu umhadi ngekhadi lokuthenga ngetyala. UKristin uthi: “Eneneni ndandihlawula ngokuphindwe kabini kwinto nganye endiyithengayo. Ndathi ndisakuba nengxaki yokuhlawula, iinkampani endizityalayo zatsala imali yokuhlawula emva kwexesha. Ndandixakiwe ukuba ndiza kwenza njani.”

Ukulisebenzisa Ngobunono Ikhadi Lokuthenga Ngetyala

UKristin wayifunda kabuhlungu into yokuba ibinzana elithi “thenga ngoku, uhlawule kamva” linokuba nobungozi. Amatyala enyuka ngokukhawuleza, yaye ungaqondanga, ungazibhaqa sele uhlawulela imali yenzala kuphela nyanga nganye. Abantu abalisebenzisa ngokusengqiqweni ikhadi bakuphepha njani ukweyela emgibeni ngokwemali?

● Bagcina ingxelo yezinto abazithengayo baze bazihlolisise ngenyameko iingxelo zabo zenyanga ukuze baqiniseke ukuba bahlawulela izinto ababezithengile kuphela.

● Bawahlawula ngokukhawuleza amatyala abo, besazi ukuba, ukuba nembali entle yokuhlawula amatyala kunokubanceda kamva—mhlawumbi xa besenza isicelo somsebenzi okanye eseinshorensi okanye xa befuna inkxaso ekuthengeni inqwelo-mafutha okanye umzi.

● Xa kunokwenzeka bayihlawula yonke imali abayityalayo ukuze baphephe ukutsalelwa imali yenzala xa behlawula ngezavenge.

● Abanikezeli ngenombolo yekhadi labo lokuthenga ngetyala okanye umhla eliphelelwa ngawo emnxebeni ngaphandle kokuba bayamazi umntu abamnikayo okanye inkampani leyo bathengiselene nayo.

● Ababolekisi ngekhadi labo lokuthenga ngetyala kwanakumhlobo wabo. Ngapha koko, yimbali entle yomnini wekhadi eza kungcola xa ikhadi lisetyenziswa kakubi.

● Bayakuphepha ukusebenzisa ikhadi labo lokuthenga ngetyala ukuze bafumane imali ngokukhawuleza, ngokungathi likhadi lebhanki. Khumbula ukuba xa utsala imali usoloko uhlawula imali eninzi kunaxa uthenga.

● Abazalisi baze bathumele zonke izicelo zekhadi lebhanki abazifumanayo. Kulutsha oluninzi, ikhadi elinye lanele.

● Balisebenzisa ngobulumko ikhadi lokuthenga ngetyala, beqonda ngokupheleleyo ukuba xa bethenga ngalo, basasebenzisa imali yokwenene, nangona bengasebenzisi imali engamaphepha okanye eziinkozo.

Ukunandipha Iingenelo

Enoba unekhadi lokuthenga ngetyala ngoku okanye ucinga ngokuzifumanela elinye kungekudala, zazi kakuhle iingenelo neengozi. Zibuze le mibuzo ilandelayo: Kutheni ndicinga ukuba ndifuna ikhadi lokuthenga ngetyala? Ngaba ndifuna nje ukufumana izinto eziphathekayo, ndifuna ukuba nezinto ezisefashonini, ndifuna ukuchukumisa abahlobo bam? Ngaba andinakufunda ukwanela zizinto ezisisiseko endinazo, oko umpostile ongumKristu uPawulos wakubiza ngokuba ‘sisixhaso nesambatho’? (1 Timoti 6:8) Ngaba amatyala abangelwa ngala makhadi aya kundithwalisa imithwalo enzima ngokwemali eya kubangela ukuba ndilibale ezona zinto zibalulekileyo ebomini?—Mateyu 6:33; Filipi 1:8-11.

Khawucamngce ngale mibuzo, uze uyixubushe nabazali bakho. Ukuba wenjenjalo, enoba unekhadi lokuthenga ngetyala okanye akunjalo, uya kukuphepha ukuba nentliziyo ebuhlungu okubangelwa yimali okuthwaxa abaninzi—IMizekeliso 22:3.

[Umbhalo osemazantsi]

[Ibhokisi ekwiphepha 30]

Ukubaluleka Kokufumana Imvume Yabazali

Ulutsha oluninzi luyaqala ukufumana ithuba lokuba namakhadi alo okuthenga ngetyala xa lufumana isicelo ngeposi. Enyanisweni, kangangexesha elithile, lumbi lufumana izicelo eziliqela. UJane Bryant Quinn uthi: “Kushiywana ngotyefezo ezi nkampani zifuna ukushiya la makhadi ezandleni zabaselula, kuba uhlolisiso lubonise ukuba sidla ngokugcina ikhadi esilifumene kuqala.”

Ngokuqhelekileyo umzali okanye omnye umntu okhulileyo osele enembali entle yokuthenga ngetyala umele atyikitye isicelo sekhadi lokuthenga ngetyala ukuze inkampani yekhadi elo iqiniseke ukuba izinto ezithathiweyo ziya kuhlawulwa. Okulusizi kukuba ulutsha oluninzi lubhenela emaqhingeni ukuze luphephe eli nqanaba. Omnye oselula wabhala igama likamakhulu wakhe njengoyena uzalise isicelo waza ke yena walihlakani nje engamxelelanga umakhulu wakhe. Khawucinge indlela umakhulu wakhe awothuka ngayo esakuva ukuba wayenetyala lamashumi amawaka eerandi!

Ukwenza utyobelo lwenkohliso lomzali okanye lomnye umntu okhulileyo kwisicelo sekhadi lokuthenga ngetyala kukunganyaniseki, yaye ukunganyaniseki akufunwa nguThixo. (IMizekeliso 11:1; Hebhere 13:18) Ngoko ukuba ufuna ikhadi lokuthenga ngetyala, thetha nabazali bakho. Ukufumana imvume kubo kuyeyona nto ilungileyo ekuhambeni kwexesha. Khumbula ukuba, abazali bakho banokuba banamava okuhlawula amatyala, yaye banokukunika icebiso elililo. Ngoko thetha nabo, yaye ungaze ubhenele kwiindlela zokunganyaniseki zokufumana ikhadi lokuthenga ngetyala.

[Umfanekiso okwiphepha 31]

Ukusetyenziswa ngokungekho ngqiqweni kwekhadi lokuthenga ngetyala kunokukhokelela kwintlekele ngokwemali