Isikweleti! Ukungena—Nokuphuma Kuso

ULOIS noRick sebeqede cishe unyaka beshadile. Njengemibhangqwana eminingi esemisha, babefuna yonke into ngesikhathi esisodwa—futhi kwakulula! Inkokhelo yeTV yayingu-R138 kuphela ngenyanga, futhi uma kwenezelwa iVCR inkokhelo yaphakama yafinyelelela ku-R203 kuphela. Ifenisha entsha yayiyinkinga kancane—inkokhelo yayiwu-R746 ngenyanga. Yebo, lokho akuzange kuhlanganise amakhethini nokhaphethi, okwayenyusa inkokhelo yaba u-R121. Kodwa inkampane ebolekisa ngezimali yayilokhu iwusizo.

Izinto zazitholakala kalula ngenxa yokuthi isitolo salemukela ikhadi labo lokuthenga (credit card). Ngaleyondlela ukukhokhela izikweleti zanyanga zonke kwakuzenzakalela, futhi akuzange kudingeke ukuba benze isicelo semali ebolekiswayo. Kwakuyoba lula ukuba imoto enejubane kaRick yaqedwa ukukhokhelwa ngaphambi kokuba bashade njengoba ayehlelile, kodwa akazange ngempela akwazi ukukufinyelela lokho.

URick ukubeka ngalendlela: “Ngangicabanga ukuthi umshado uyoba yinto ejabulisa ngokumangalisayo, kodwa ngikhathazeka kakhulu ngezikweleti zethu kangangokuba ayisekho nhlobo injabulo.” ULois wavumelana nalokho futhi wenezela: “Kwakulula kakhulu ukungena esikweletini. Ingabe kuyoke kwenzeke ukuba siphume esikweletini?”

Lokukhononda okudabukisayo kuzwakalisa isimo esibucayi esibhekene nezigidi zemikhaya emazweni amaningi emhlabeni. Bambalwa ngempela abantu abakwaziyo ukuphila ngaphandle kokuthwala umthwalo omkhulu, futhi ngezinye izikhathi ongathwaleki, wesikweleti.

Ukungena Esikweletini

Umuntu ungena kanjani esikweletini? Kalula! Kuyindlela yokuphila. Ohulumeni, izinhlangano ezinkulu zamazwe amaningi, amabhizinisi amancane, imikhaya, nabantu ngabanye bonke baye bamukela isikweleti njengento evamile.

Ngokuvamile ukuziphakamisa okwakha isikweleti. Isikweleti sakha ukucindezeleka. Ukucindezeleka kuholela kwezinye izinkinga. Ngakho umuntu ukwazi kanjani ukuphila ezweni elijwayelene nesikweleti, futhi ngesikhathi esifanayo, angabi naso isikweleti?

Mhlawumbe isifundo sokuqala okumelwe sifundwe siwukuba umane umelane nezentengiselwano. Umuntu ngeke angene emnyango wezinhlangano eziningi zezezimali ngaphandle kokuba ahehwe amabhodi akhangisa ngezimali ezibolekisayo. Amakhadi okuthenga atholakala kalula. Ngale kombukwane osukela emaqilini abolekisa ngezimali kuya ezinhlanganweni ezihloniphekayo zamabhange, kunezigidi zabantu abaphumelelayo, abanamawala abasebhizinisi lokudayisa ngemali. Kubo, imali iyinto edayiswayo—njengokudla—futhi umsebenzi wabo uwukuyidayisela wena. Funda ukuthi CHA.

Ukusingatha Isikweleti

Kunezindlela eziningi ezikhona zokuchaza isilinganiso esamukelekayo sesikweleti uma siqhathaniswa nemali engenayo. Kodwa zihlukene kakhulu kangangokuba eziningi zazo azinanjongo. Ngokwesibonelo, ezinye izazi zezomnotho zinomuzwa wokuthi umkhaya ngaphandle kwenkinga ungabekela eceleni amaphesenti angama-30 ayo yonke imali engenayo ukuze ukhokhele indawo yokuhlala. Lena imali yokukhokhela isibambiso noma intela yendlu. Nokho, lendlela ingase ingasebenzi ngabantu abampofu kakhulu. Ngakho izindlela ezisetshenziswayo ngokuvamile aziqondakali. Inkinga yokunciphisa isikweleti icatshangelwa kangcono ngokwezinga lomuntu siqu.

Esinye isikweleti singase samukeleke, kodwa lokhu kudinga ukuhlakanipha nokusingatha izinto ngokucophelela. Ngokwesibonelo, abantu abaningi abanakukwazi ukuthenga indlu ngaphandle kokuba bazithwese isikweleti. Kungokungenangqondo ukucabanga ukuthi umkhaya kufanele uhlale ezindaweni ezikhokhelwa intela kuze kube yilapho sewonge imali eyanele ukuba ungaphuma futhi uyothenga indlu ngokheshe. Cishe lokho ngeke kwenzeke. Kunalokho, umkhaya ungase ube nomuzwa wokuthi imali oyikhokhela intela ingaqongelelelwa ukukhokha isikweleti sendlu. Ngisho nakuba lelicebo liyothatha iminyaka eminingi, baphetha ngokuthi liyasebenza kakhulu.

Lapho siqaphela ukuthi inani lendlu ngokunokwenzeka liyokhuphuka ngokuhamba kwesikhathi, kungokungangabazeki ukuthi nakuba inkokhelo yesikweleti sendlu ingase ibe phezulu kunentela yazinyanga zonke, umkhaya ungase ube sesimweni esingcono ngenxa yokuthi wakha inzuzo eyinzalo, okungukuthi inani lendlu sekukhishwe izindleko zayo. Khona-ke, isikweleti sendlu esisesilinganisweni esinengqondo, nenkokhelo efinyelelekayo, ingase ibe isikweleti esamukelekayo. Lokhu kungaba yiqiniso nangezinye izinto ezinkulu, nezidingekayo emkhayeni.

Ezinye izinhlobo zesikweleti zingase zingamukeleki neze. Ukukwazi ukusingatha izikweleti kuhlanganisa ikhono lokuzenqaba. Mhlawumbe umthetho ongcono kakhulu uwukuthi: Ungakuthengi ongakudingi nongeke ukwazi ukukufinyelela. Gwema ukuthenga ngenxa yokuthatheka. Ngisho nakuba into isendalini, ayiwona umtitilizo kuwe uma ungeke uyifinyelele. Ungaboleki ukuze uthenge izinto nje zokunethezeka. Ungaluthathi uhambo lokuyovakasha ngaphandle kokuba ungakwazi ukulukhokhela ngaphambi kokuba nihambe. Noma yini oyithengayo kumelwe ikhokhelwe ngokushesha noma ngokushesha ngemva kwalokho. Amakhadi okuthenga awusizo ukuze ugweme ukuhamba nemali ewukheshe kodwa ayizindleko ezinkulu lapho esetshenziswa njengendlela yokuboleka imali.

Ukuphuma Esikweletini

Abanye abantu bangase babe nomuzwa wokuthi iseluleko ngokusingatha isikweleti sesephuze kakhulu kubo. ‘Kakade senginentilibathwa yezikweleti nokuzihilela. Ngiphume kanjani?’ Iqiniso liwukuthi akwephuzile kakhulu ukuba ungaqalisa.

Isinyathelo sokuqala kufanele kube esokwakha ubuhlobo obuwusizo nebhange elinedumela elihle. Uma kudingeka uboleke, cishe yilapha lapho uyothola khona isilinganiso esingcono kakhulu senzalo. Uma ibhange lakho lenqaba ukukunikeza imali ebolekisayo, ngokunokwenzeka likwenzela umusa. Khumbula, lisebhizinisini lokubolekisa ngemali futhi liyokuboleka uma kubonakala kunengqondo.

Okwesibili, kufanele uqale ukukhokha izikweleti ngendlela ehlelekile. Ephepheni, hlela imali yakho siqu olindele ukuba ingene ezinyangeni ezingama-24 ezizayo. Bheka izinto ngendlela engokoqobo. Hlanganisa yonke imali engenayo olindele ukuba nayo. Khona-ke bhala yonke into okumelwe ikhokhelwe. Hlanganisa nemadlana ethile yezinto ongakacabangi ngazo okwamanje. Bhala izikweleti ngokohlelo lokubaluleka kwazo. Khona-ke yahlukanisa imali yakho kahle ukuze isikweleti ngasinye okungenani sikhokhelwe ngemadlana ethile. Zibekele umgomo wokuqeda isikweleti ngasinye ngosuku oluthile.

Ngokuphathelene nalelicebiso, cabangela izindawo onganciphisa kuzo izindleko. Ukunciphisa isikweleti kudinga ukuzidela okuthile ngaso sonke isikhathi. Ingabe isikweleti sokudla singancishishwa ngokuthenga ngobuningi? Yiziphi ezinye izindlela ezingabizi kakhulu ezingasetshenziswa ekulungiseleleni ukudla? Ingabe ukuthatha uhambo kungancishiswa? Ingabe lingehliswa izinga lakho lokuphila? Ingabe ezinye izinto zokunethezeka zingadelwa nangangokunokwenzeka? Ngezinye izikhathi kufanele nje singazincengi. Ezinye izindleko zingasuswa ohlwini lokuba “yizinto ezidingekile” luyiswe ohlwini “lwezinto zokunethezeka.”

Lapho usunelungiselelo elibhalwe phansi ephepheni, xoxa ngalo nesikhulu sezokubolekiswa kwezimali ebhange lakho. Siyohlabeka umxhwele lapho sibona ukuthi uzimisele ngempela. Singase sikwazi nokukubonisa indlela ongathuthukisa ngayo ilungiselelo lakho. Singase ngisho sisikisele imali ebolekisayo yokukhokha isikweleti. Uma kunjalo, qikelela ukuba ucabangele inani lenzalo kanye nobude besikhathi ozosikhokhela ngaso isikweleti semali oyibolekiwe. Ngokuvamile kuyosho ukukhokha kancane isikhathi eside. Kodwa ungalingekeli ekusebenziseni ilungelo lokusizwa ngesikweleti ukuba uboleke imali eyengeziwe.

Xoxa!

Noma yisiphi isimiso sokunciphisa isikweleti sidinga ukuxoxa uma sizophumelela. Vakasha noma ushayele ucingo umuntu ngamunye omkweleta imali. Uma ucabanga ukuthi kuyoba usizo, babonise ilungiselelo lakho lokukhokha. Okungenani khuluma nabo. Khumbula, bafuna ukwazi ukuthi wenzani. Bagcine benolwazi. Enye yezinto umuntu okubolekile angeke ayibekezelele iwukuthula ungasho lutho. Ukungasho lutho ngokushesha kuhunyushwa njengokunganaki noma ngisho nokwenqaba ukukhokha. Abantu abaningi abakweletwayo baye bamangala enkantolo ukuze bathole imali yabo ngenxa nje yokuthi akukho muntu owazikhathaza ukuba achaze okwakwenzeka.

Ingabe kumelwe ucabangele ukuwa ngokwezimali? Kwamanye amazwe, bonke abantu banikezwa inzuzo yamalungiselelo anjalo omthetho, kodwa akumelwe athathwe kalula. Isikweleti siwukuzibopha. Ukuzibopha ngokukanembeza kuhilelekile. Ukuwa ngokwezimali kunomphumela ophazamisayo odalela abanye izinkinga. Kuyohlala kuyibala elingapheli embhalweni wakho ogciniwe.

Akukho okubi ngomqondo oyisidala othi “khokha ngalesosikhathi.” Ngempela, uma nakanjani kunokwenzeka, inkambo ewukuhlakanipha iwukungavumi nhlobo ukungena esikweletini. Isikweleti singaba yindlela eyingozi yokukuphundla. URick noLois bavuma ukuba bagwinywe yiso. Kufanele benze izinguquko, kodwa kancane kancane bangaphuma ezikweletini zabo.

Uma ubugqitshwe inhlabathi edilikayo, ubuyosebenzisa noma yiliphi ithuluzi ukuze uzikhiphe. Kungase kuthathe isikhathi eside, kodwa kuyasebenza! Khumbula, kungakhathaliseki ukuthi kungase kuthathe isikhathi eside kangakanani noma kube nzima kangakanani ukukwenza, ukuphuma esikweletini kukufanele lokho.

[Isithombe ekhasini 23]

Ukucwila esikweletini esikhulu kunjengokubisha esihlabathini