Ngaba Ulawulwa Yimali Okanye Uyayilawula?

NGABA unesifo sokuthand’ imali? Kuthiwa abantu abaninzi emhlabeni banesi sifo. Siyintoni?

UGqr. Roger Henderson, umphengululi ngezifo zengqondo eUnited Kingdom, uze nebinzana elitsha elithi “isifo sokuthand’ imali,” ukuze achaze imeko yasemzimbeni neyasengqondweni yabantu abaxinezeleke kakhulu ngenxa yemali. Iimpawu zesi sifo ziquka ukuphelelwa ngumoya, ukuphathwa yintloko, ubucaphucaphu, irhashalala, ukungabi namdla wokutya, ukudubuleka ngumsindo, ukuxhalaba nokuba neengcamango ezingakhiyo. Lo kaHenderson uthi: “Ukuzixhalabisa kakhulu ngemali kubangela uxinezeleko.”

Ngoko ke akumangalisi ukuba kwiinyanga ezidluleyo kuye kwakho abantu abaninzi abaye bagula ngenxa yeengxaki zemali. Kumazwe amaninzi oku kuye kwabangela ukuba abantu abaninzi baphelelwe yimisebenzi, baphulukane namakhaya nemali yabo. Iibhanki ezinkulu ziye zatshona, kwanawona mazwe achumileyo kuye kwafuneka ukuba enze iinzame ukuze imeko yawo yezoqoqosho ingabi maxongo. Kumazwe asakhasayo, ukuntinga kwamaxabiso kuye kwabaxhalabisa abaninzi.

Nakumazwe achumileyo babakho abantu abaneengxaki zemali. Nakuba imeko yezoqoqosho ibikhe yantle kwiminyaka edlulileyo, bebebaninzi abantu abaneengxaki zemali. Ngokomzekelo, iphephandaba laseMzantsi Afrika, iThe Witness, lathi bayanda abantu eAfrika “abanesifo sokuthanda ukuthenga kakhulu, abathanda ukuthengisa ngenxa yokunyoluka nabathanda izinto eziphathekayo.” Eli phephandaba lachaza iimpawu zesi “sifo,” yaye phakathi kwazo kukho “uxinezeleko, ukuba namatyala, inkcitho, ukusebenza ngokugqithiseleyo, ukuziva uswele, umona nokudandatheka.” Kuthiwa yimali eye yabangela abantu bangaphili ubomi obonwabisayo eAfrika.

Ngaphambi kokuba imeko yezoqoqosho idodobale, iIndiya ibikade ililizwe elichumileyo. I-India Today International yathi ngonyaka wama-2007 abantu baye “bathenga kakhulu.” Sekunjalo, abasemagunyeni babesoyikisela ukuba oku kuza kukhokelela kuxinezeleko nakugonyamelo.

Kwangelo xesha, abantu abaselula baseUnited States, babethanda ukuchitha imali eninzi kubunewunewu. Kodwa ke, ukuchitha kwabo imali engako kwakungabenzi bonwabe. Abaphengululi bathi ukuba nemali eninzi kuye kwabangela ukuba abantu balapho bakhotyokiswe butywala, badandatheke baze bazibulale. Olunye uhlolisiso lwabonisa ukuba phezu kwako nje ukuba nezinto nemali, “ngumntu omnye kwabathathu eMerika” onokuthi “wonwabile ngokwenene.”

Kwelinye Icala

Kwelinye icala, enoba izinto zihamba kakuhle okanye imeko imaxongo, abantu abaninzi—abazizityebi nabangamahlwempu—abazixhalabisi ngokugqithiseleyo ngemali nokuqokelela izinto eziphathekayo. Kutheni kunjalo?

Kwenye ingxelo enomxholo othi The Meaning of Money, abaphengululi baye babona ukuba abanye abantu “bayaphenjelelwa yimali yaye balawulwa yiyo. Oku kunokubangela uxinezeleko nezigulo zengqondo.” Aba baphengululi bathi, ngokwahlukileyo: “Abo benza uqingqo-mali kakuhle bayakwazi ukuyilawula imali yabo baze babe nesimo sengqondo esifanelekileyo ngeziqu zabo. Bayakwazi ukuyilawula imali, abalawulwa yiyo . . . Ngoko sithi, abo benza uqingqo-mali kakuhle basenokungabi nalo uxinezeleko kangako.”

Uyijonga njani imali? Ukungazinzi kwezoqoqosho kukuchaphazela njani? Ngaba ulawulwa yimali okanye uyayilawula? Mhlawumbi akukabi nazo iimpawu zesifo sokuthand’ imali. Sekunjalo, enoba usisityebi okanye ulihlwempu, sonke siyachaphazeleka ziingxaki zemali. Makhe siqwalasele indlela onokuyisebenzisa ngayo imali yakho ukuze ube seluxolweni uze wonwabe.

[Ibhokisi/Umfanekiso okwiphepha 4]

Kusenokwenzeka ukuba ulawulwa yimali ukuba . . .

◻ Uyakuphepha ukuthetha ngemali kuba ikuxhalabisa

◻ Nihlala nixabana ngemali kwintsapho yenu

◻ Uthenga ungacebanga

◻ Uhlala uxhalabele amatyala

◻ Akuqinisekanga ngemali oyamkelayo

◻ Akuqinisekanga ngemali oyichithayo

◻ Akuqinisekanga ngamatyala onawo

◻ Unamatyala amaninzi kunalawo ubuwalindele

◻ Usoloko uwahlawula emva kwexesha amatyala

◻ Uhlawula kuphela eyona mali incinane xa uthenge ngetyala

◻ Uhlawula amatyala ngemali oyibekele ezinye izinto

◻ Ufuna ukusebenza kwiindawo ezimbini ukuze ukwazi ukuhlawula amatyala

◻ Uboleka imali ukuze uhlawule imali oyibolekileyo

◻ Usebenzisa imali oyigcinileyo ukuze uhlawule amatyala

◻ Imali yakho iphela inyanga ingekapheli

◻ Uziva unyanzelekile ukuba ufumane imali eninzi

◻ Unengxaki emzimbeni nasengqondweni kuba uxhalabele kakhulu imali

[Inkcazelo]

Source: Money Sickness Syndrome, by Dr. Roger Henderson