Ukuphelelwa Umsebenzi—Ayini Amakhambi?

“Kuzoba nzima. Amabhizinisi amaningi ayawa, kodwa awakavumi okwamanje.”—Isikhulu saseU.S. sezimali zezwe.

ABANINGI sebebe nakho kakade okuhlangenwe nakho kokuba ngokoqobo kwaleso sibikezelo esibuhlungu, esenziwa ngasekupheleni kuka-1990. Kwezinye izinkampani, izisebenzi “ezisele” zazizibuza ukuthi kazi zazingeke yini zilandele ekudilizweni.

Yini obungayenza ukuba ubungalahlekelwa umsebenzi wakho namuhla? Kuyinkambo yokuhlakanipha ukuba ngokulungele. Njengoba isihloko esingaphambili sibonisile, ukulahlekelwa umsebenzi kunegalelo elingokwezimali nelingokomzwelo. Khona-ke, kuhileleke okwengeziwe kunokukhokha izikweleti nje. Lokhu okulandelayo kuyiziqondiso eziye zasiza abanye ukuba bazigcine besesimweni esikahle ngokwezimali nangokomzwelo lapho bebhekene nokuphelelwa umsebenzi.

1. Ungethuki

Lapho uDominick ephelelwa umsebenzi wakhe, kwadingeka abuyisele indlu yakhe ebhange futhi athuthe umkhaya wakhe bayohlala nonina. Iseluleko sakhe siwukwehlisa umoya, kungakhathaliseki ukuthi isimo singabonakala sisibi kangakanani. Uthi, “Kungakhathaliseki ukuthi uyasebenza noma cha, ngeke ufe. Kwadingeka ngifunde ngobuqotho ukuthi sasingeke sife sonke.” Kunokuba ukhathaze ingqondo ngezenzakalo ezimbi kakhulu ozicabangelayo, ngomoya ozolile sebenzela ukuthola amakhambi asebenzayo.

2. Cabanga Kahle

UJim noDonna babamba amatoho amane bebobabili. Nokho, bahola ngaphansi kwemali eyayiholwa uJim eyedwa emsebenzini wakhe wesikhathi esigcwele wangaphambili. Naphezu kwalokhu, baye bakwamukela njengokuhlangenwe nakho okuzofundisa izingane zabo ezinhlanu. UDonna wathi: “Ngaphandle kwezinkinga babeyoma kahle ngokwezinto ezibonakalayo. Kodwa bebeyobe baphuthelwe izinkinga ezikufundisa indlela yokuphila.”

3. Vulela Ingqondo Yakho Izinhlobo Ezintsha Zomsebenzi

Ngisho nezisebenzi ezisebenza imisebenzi ephambili zingakhetha ukushintsha imisebenzi eziyifundele futhi ziqale umsebenzi omusha. “Abantu ababheki kokunye abangakwenza kuze kube yilapho bephoqelelwa ukuba benze kanjalo,” kwasho uLaura, owaxoshwa emsebenzini wasehhovisi. Wathi, “Eminyakeni yo-1990, abantu kudingeka bafunde ukuvumelana nezimo ngokwengeziwe.” Ukuzama ukuthola uhlobo olulodwa lomsebenzi owujwayele​—⁠noma iholo elifanayo⁠—​kungamane nje kwenze buthakathaka amathuba akho okuthola umsebenzi. Lokho ngokwengxenye kungachaza ukuthi kungani ngokuvamile izisebenzi ezenza imisebenzi ephambili kuzithatha isikhathi eside ukuthola umsebenzi kunaleso okusithatha izisebenzi ezenza imisebenzi yokufukuza. Ngakho vulela ingqondo yakho emathubeni ezinhlobo ezintsha zomsebenzi. Abaningi baye baphumelela ekwenzeleni abanye izinkonzo ezithile, ezinjengokuhlanza indlu.

4. Phila Ngokwemali Onayo Wena​—⁠Hhayi Omunye

Ithuluzi elinamandla ekwenzeni izimemezelo zokukhangisa liwukwenza kube khona “isidingo” ebesingekho ngaphambili. Ngokuvamile wenziwa ukuba ube nomuzwa wokuthi wonke umuntu (ngaphandle kwakho) uyazi futhi wenza ngokuvumelana nalesosidingo. ‘Lesi isitayela wonke umuntu asigqokayo [ngaphandle kwakho].’ ‘Ibhayisikobho engundabuzekwayo [ngakho kungani wena ungakayiboni?].’ ‘Imoto eshayelwa yibo bonke abantu [uzoyithenga nini?].’

Ukunxenxa okufanayo kungathinta indlela esibheka futhi sisebenzise ngayo imali. Umngane uthatha uhambo olubiza imali eningi. Ngokushesha nawe usudinga ukuya eholidini. Omunye umngane uthenga imoto entsha. Ngokushesha imoto yakho isibonakala indala, ingafaneleki. Ukuba nomhawu ngalokho wonke umuntu akwenzayo kuyomane nje kukwenze usebenzise imali ongenayo, uthenge izinto ongazidingi ngempela. Gwema ukuqhathanisa okunjalo kokuzithena amandla.

UJim, oyisisebenzi esadilizwa okukhulunywe ngaye ekuqaleni, waphawula: “Abantu bayakhungatheka ngokomzwelo lapho bengakwazi ukuphila ngendlela yokuphila abacabanga ukuthi bayayifuna. Kudingeka nje ukhathazeke ngokudla nangendawo yokuhlala. Okunye akudingeki ngempela.” Njengoba iBhayibheli litusa kweyoku-⁠1 Thimothewu 6:​8, ‘yaneliswa ukudla nezambatho.’

5. Qaphela Isikweleti

Ikhadi lokuthenga (credit card) lingaba inzuzo, kodwa futhi lingaba isikweleti sakho esikhulu. Abanye basebenzisa ikhadi lokuthenga njengento ebasekelayo. Balisebenzisela ukuwushalazelela ngokuphelele umbuzo othi ‘ingabe ngingakwazi ukuyithenga?’ Ikhadi liba yisiqeda zinhlungu esikwenza ukuba uthenge ngaphandle kokucabanga noma ukuzwa imiphumela yokulahlekelwa imali.

Eminyakeni yamuva ukusanganiswa ikhadi lokuthenga kuye kwasakazekela emazweni amaningi. Iyini imiphumela? Umdayisi wamacomputer waseKorea owathenga imoto entsha ngekhadi lokuthenga ukufingqa ngalendlela: “Lapho sekuyisikhathi sokukhokha isikweleti sami, njalo ngizizwa kabuhlungu. Kuba sengathi ngiyilahlile nje leyomali.” EJapane cishe ingxenye yabo bonke labo abadinga iseluleko ngokwezimali baseminyakeni yama-20. Amakhadi okuthenga ayizigidi ezingu-140 kulelozwe yiwona ikakhulukazi asolwayo ngezikweleti ezinkulu zentsha.

Ngakho qaphela ikhadi lokuthenga. Lisebenzise, kodwa ungalivumeli ukuba likusebenzise. Ungalivumeli ukuba likwenze ungasiboni isimo sakho sangempela sezimali. Lokhu kuyomane nje kunezele ekucindezelekeni onakho kokulahlekelwa umsebenzi.

6. Gcina Umkhaya Unobunye

Ekuhlolweni kwabantu abangu-86 000, abangaphezu kwesigamu sesithathu bathi imali yayiyinkinga enkulu emshadweni wabo. Okunye ukuhlola kwathola ukuthi imali yayibangela ukulwa okuningi. “Izimo zengqondo ezingefani ngemali zingenza ubuhlobo bungabi buhle,” kwasho uchwepheshe wezezimali uGrace Weinstein.

Ngisho nombhangqwana obonakala usondelene kakhulu ungase ube nemibono ehlukene kakhulu ngemali nangendlela okumelwe isetshenziswe ngayo. Omunye angase abe iqonqela, omunye abe oyisaphaza ngobugovu imali.

Uma kungaxoxwa ngazo, izindaba zemali ngokushesha zingakhulela ekubeni izimpi zomkhaya. IBhayibheli kuzAga 15:​22 lithi: “Lapho kungekho khona ukululekana, amasu ayachitheka.” Futhi lapho nixoxa ngezindaba zemali, zama ukuqonda nokwamukela imibono yomngane wakho.

7. Londoloza Ukuzethemba Kwakho

UGrace Weinstein waphawula: “Ngendoda noma owesifazane ongasaholi-mali, kunenkinga engokomzwelo yokwehla kwesikhundla kanye nokuncipha kokwethenjelwa, kokubili okuphumela ekulahlekelweni ukuzethemba.”

Ungasheshi uphethe ngokuthi wadilizwa ngenxa yokuthi wawungabalulekile njengesisebenzi. URani oneminyaka engu-29 ubudala wadilizwa emasontweni amathathu nje ngemva kokukhushulelwa imali kakhulu lapho kwenziwa ukuhlolwa kwakhe kwaminyaka yonke. Nakuba ukuba isisebenzi esiqotho, nesithembekile kungenza ukuba umuntu angadilizwa, lokhu akunjalo ngazo zonke izikhathi. Ngakho umuntu akufanele athathe ukudilizwa njengokutshelwa ubuso nobuso ngokungabi yilutho kwakhe. Izisebenzi ezaziswayo, ezethenjwayo nazo zingathinteka.

8. Yenza Uhlelo Lokusetshenziswa Kwemali

Abaningi abawuthandi umqondo wokwenza uhlelo lokusetshenziswa kwemali. Banomuzwa wokuthi kuwukuzibopha, okuthile okuyobabekela imingcele yokuba bangathengi abakufunayo. Akunjalo. Uhlelo lokusetshenziswa kwemali luyithuluzi lokukusiza ukuba ufinyelele imigomo yakho, hhayi ukukubekela imingcele. Lumane nje luyisimiso sokukulawula, uhlelo olunemininingwane lokukutshela ukuthi imali yakho iyaphi nokuthi ungayenza kanjani ukuba iye lapho ofuna iye khona.

Ngokumangalisayo, abaningi abazi ngempela ukuthi imali yabo isetshenziselwa ukwenzani. Kunalokho, baba izisulu zokuthenga ngokuthatheka bese bedabuka: “Ishonephi yonke imali?” Isidingo sokugwema ukusebenzisa imali okunjalo sibalulekile ikakhulukazi lapho izikhathi zinzima ngokwezimali. Ngokuhlakanipha, iBhayibheli kuzAga 21:⁠5 lithi: “Hlela ngokucophelela futhi uyoba nenala; uma wenza ngamawala, ngeke ube nokwanele.”​—⁠Today’s English Version.

Ukuze ulandele leseluleko, gcina irekhodi elibhaliwe. Bhala phansi yonke into oyisebenzisa inyanga yonke, hlela izindleko zakho. Futhi, gcina irekhodi lokuthi yimalini engenayo. Uma uthola ukuthi iningi ephumayo kunengenayo, bheka izindleko zakho ukuze uthole umthombo wenkinga. Lapho sewazi ukuthi yini oyisebenzisayo nokuthi uyisebenzisela kuphi, ungase ukwazi ukulawula imali yakho.

Gcina uhlelo lwakho lokusebenzisa imali luvumelana nezimo. Ezinyangeni ezimbalwa zokuqala, ayotholakala amaphutha, futhi ezinye izindleko zingase zinganakwa. Yenza ushintsho nokulungisa kuze kube yilapho uhlelo lokusebenzisa imali selufanelana nezidingo zakho. Ngaleyondlela uhlelo oluhle lokusebenzisa imali luyoba inceku yakho, hhayi inkosi yakho.a

Iziqondiso ezingenhla zingamsiza umuntu ukuba asinde esikhathini sokungasebenzi. Kodwa ukuze asebenze, lamaphuzu kumelwe asizwe nawukulinganisela okuhle kokubaluleka kwangempela kwemali. Empeleni, imali ibaluleke kangakanani? Ingabe kufanele noma yini enye ize ngaphambi kwemali, ngisho nalapho umuntu elahlekelwe umsebenzi wakhe? Sizohlola lemibuzo esihlokweni esilandelayo.

[Umbhalo waphansi]

[Ibhokisi ekhasini 8]

Ukulungiselela Uhlelo Lokusebenzisa Imali:

1. Bala ukuthi malini engenayo.

2. Gcina irekhodi lenyanga yonke ukuze ubone ukuthi imali yakho isetshenziswa kuphi.

3. Lungiselela uhlelo lokusebenzisa imali ezinyathelweni ezimbili zokuqala. Nquma ukuthi malini okufanele ibekelwe uhlu ngalunye.

4. Yenza ukulungisa ohlelweni lwakho lokusebenzisa imali lapho kudingeka.

[Isithombe ekhasini 7]

Imibhangqwana kufanele ikhulumisane ukuze izindaba zemali zingaphenduki zibe izimpi zomkhaya