Kungani Kufanele Uyonge Imali Kunokuba Uyisaphaze?

ABANINGI bathi: “Kuyisicefe ukonga imali. Kumnandi ukuthenga izimpahla zokugqoka, izinto zobuchwepheshe nokunye.”

Kungakhathaliseki ukuthi ukuwa komnotho womhlaba kukuthintile noma cha, ungazuza ekucabangeni ngezindlela zokonga nezokusebenzisa imali ngokuhlakanipha. Phawula iseluleko somthombo onokwethenjelwa osusize izigidi zabantu emakhulwini eminyaka ukuba bakwazi ukubhekana nezinkinga zabo ezingokwezimali.

Izaga Ezintathu Zasendulo Ezihlakaniphile

Komunye wemifanekiso yakhe, uJesu waseNazaretha wakhuluma ngesimiso esibalulekile esiphathelene nemali. Kuso inkosi yasola isikhonzi sayo: “Bekufanele ngabe imali yami uyifake ebhange, kuthi lapho ngifika ngiyithole isinenzalo.” (Mathewu 25:27, New American Standard Bible) Lokhu uJesu akusho ngaleso sikhathi kubaluleke nakakhulu namuhla. Ake sibone ukuthi kungani.

Muva nje kwamanye amazwe, inzalo etholakala ngemali osekuyiminyaka eyishumi isebhange iyalidlula inani lemali eyafakwa. Nakuba namuhla engemaningi amabhange anika abantu inzalo engako, futhi inzalo yaleyo mali ebekiwe ingavamile ukuba nkulu ngendlela abanikazi abangase bafise ngayo, kuwukuhlakanipha ukulondoloza imali ethile eyobhekana nezimo eziphuthumayo.

IBhayibheli liyaligcizelela leli qiniso, lapho lithi: “Ukuhlakanipha kuyisivikelo njengoba nje nemali iyisivikelo.” (UmShumayeli 7:12) Kodwa imali ngeke ikuvikele uma ungazange uyibeke! IBhayibheli liyakhuthaza, ‘Yilowo nalowo kini makabeke eceleni okuthile, kuye ngokuchuma kwakhe.’—1 Korinte 16:2.

Indlela Yokonga

Okokuqala, ngaphambi kokuthenga into ebizayo, cabanga ngokuthi uyidinga ngempela yini.

Okwesibili, uma udinga ukuthenga okuthile, qale ubheke ukuthi akukho yini okusendalini noma awunakukuthola yini okuyisekeni elisesesimweni esihle. U-Espen noJanne, abangabazali eNorway, babedinga umbhede womfanyana wabo uDaniel. Bathenga isekeni elihle ngemali engaphansi ngengxenye kweyenani lombhede omusha. U-Espen uthi, “Uma uDaniel esekhulile engasaneli kuwo, ngiyaqiniseka ukuthi siyokwazi ukuwudayisa ngemali enhle.” Kodwa uyaxwayisa: “Ukufuna izinto ezishibhile kungathatha isikhathi.”a

Okwesithathu, ungavele usheshe uthenge, cabangisisa kahle. Uma usenomuzwa wokuthi uyayidinga ngempela leyo nto, ungase uqale ngokufuna okufana nayo okushibhile noma okuyisekeni. Ngokuvamile ungayonga futhi imali uma uzizwa ungabophekile ukuba uthenge izinto zamagama athandwayo. Ngaphezu kwalokho, kunokuthenga izimpahla zezingane ezisesitayeleni ezitolo ezibizayo, kunganjani izingane zakho zisebenzise izingubo ezizishiyelwe ezinye?

Ngokufanayo, umama oqalayo ukuba nomntwana angase acabangele ukusebenzisa amanabukeni awashwayo. Incwadi ethi Budgeting—Personal Spending and Money Management a Key to Weathering the Storm, kaDenise Chambers, ithi: “Ngeminyaka emibili nje ungachitha amaRandi angu-13 500 noma ngaphezulu uthenga amanabukeni alahlwayo. Kanti ungachitha amaRandi angaba ngu-2 000 kuya ku-3 500 . . . ngamanabukeni awashwayo phakathi naleyo minyaka emibili.” Wanezela: “Sekulula kakhulu ukusebenzisa amanabukeni esimanje awashwayo futhi uyozuzisa nemvelo!”

Okwesine, cabanga ukuthi ngokuvamile kushibhe kanjani ukuthenga izinongo nokupheka ukudla kunokuyodla ngaphandle. Uma unezingane ezifunda isikole, kungani ungazifundisi ukuzenzela amasemishi kunokuzinika imali yokuthenga ukudla okubizayo? Kunokuthenga iziphuzo ezibizayo, kungcono uphuze amanzi. Anempilo futhi awabizi.

Esikhathini esingengakanani esidlule imikhaya eminingi beyiba nezivande. Ingabe usuke wacabanga ngokuzitshalela ukudla? Abantu abaningi kuhlanganise nalabo abahlala emafulethini noma emizini emincane, banazo izindawo abangatshala kuzo ukudla. Ungamangala ukuthi umuntu angatshala ukudla okuningi kangakanani endaweni encane nje!

Okunye ongakucabangela: Uma kudingeka ube nomakhalekhukhwini, kunganjani uwusebenzise uma kunezimo eziphuthumayo kuphela futhi ukhokhe kusengaphambili imali ethile yokushaya ucingo? Noma, uma unomshini wokomisa izingubo, ingabe usuke wakucabangela ukunciphisa indlela owusebenzisa ngayo? Mhlawumbe ungazineka ezinye izimpahla—noma, ngezikhathi ezithile ungazineka zonke ocingweni. Ungase ukwazi nokunciphisa indlela osebenzisa ngayo izinto zokulawula izinga lokushisa endlini. Ngaphambi kokusebenzisa lezi zinto, zibuze, ‘Ingabe isimo sezulu sibi ngempela?’ Ungaxoxa ngisho nanabanye uzwe ukuthi bona bawonga kanjani ugesi.

Kuyasiza futhi nokuvula i-savings account. Ngaphezu kwalokho, uHilton, oyisisebenzi sokuzithandela eNingizimu Afrika, uyachaza: “Kuwukuhlakanipha ukungayifaki yonke imali yakho endaweni eyodwa. Ngezinye izikhathi, amabhange nezinye izikhungo zezimali kuyawa. Sesike sabhekana naleyo nkinga.” Ngakho ngokuhlakanipha, khetha ibhange elinesiqinisekiso sokuthi uhulumeni uyolixhasa uma kwenzeka lehluleka.

Indlela Yokuphuma Ezikweletini

Okokuqala, zama ukukhokha imali engaphezu kwedingekayo inyanga nenyanga kukho konke okukweletayo, ikhadi lokuthenga ngesikweleti noma ezinye izindleko.

Okwesibili, gxila kakhulu ekukhokheleni izikweleti ezinenzalo enkulu.

Okwesithathu, nciphisa indlela osebenzisa ngayo imali. Lokhu kubaluleke kakhulu.

Ingabe uke walingwa izikhangiso ezihehayo? UDanny, indoda yaseSweden enomkhaya, uyavuma ukuthi useke walingeka. Wayenebhizinisi elihle, kodwa kwadingeka alidayise ukuze akhokhele ikhadi lokuthenga ngesikweleti. Wafunda isifundo futhi manje useyilawula kahle imali yakhe. Nasi iseluleko sakhe: “Qaphela ukuhaha. Yaneliswa ukuphila ngalokho onakho.”

Izikweleti Ezifanele

Bambalwa abantu abasesimweni sokukhokha sonke isamba semali lapho bethenga indlu noma ifulethi. Ngakho, abaningi bathenga izindlu ngokuboleka imali ebhange. Imali abayikhokhela ibhange nyanga zonke ingafana nemali yokuqasha indlu. Kodwa uma sebeqedile ukukhokha imali abebeyibolekiwe ngesikhathi ebesinqunyiwe, indlu kuba eyabo!

Abanye bakuthola kuwusizo ukuboleka imali ukuze bathenge imoto eyonga uphethiloli. Ngokuyikhokha ngokushesha imali ebolekiwe, imoto yabo iba yinto ewusizo kakhulu, okungenye indlela yokonga imali.b Abanye baye bakuthola kuwukuhlakanipha ukuthenga imoto eyisekeni elisesimweni esihle futhi esahambe amakhilomitha ambalwa. Abanye bonga imali ngokusebenzisa izinto zokuhamba zomphakathi noma bahambe ngebhayisikili.

Kunoma yikuphi, yiba othobekile futhi ubhekane namaqiniso njengoba enjalo ngokuphathelene nalokho okuthengayo nangokwenza izinqumo ngokucophelela. Ukusaphaza imali kungase kube nzima ukukuyeka futhi kungaholela ekucindezelekeni. Ngakho sebenzela ukuba umuntu osebenzisa imali ngokuhlakanipha, okuyinto engakubeka esimweni esihle sokuhlala njalo ujabulela ukuphila.

Ngaphezu kwalokho, ukuze ukujabulele ukonga imali, kufanele ukwazi ukuyisebenzisa kahle. Lena indaba okuzoxoxwa ngayo esihlokweni esilandelayo.

[Imibhalo yaphansi]

[Izithombe ekhasini 5]

IZINDLELA ZOKONGA IMALI

Funa izinto ezisendalini

Thenga izimpahla ezisendalini noma ezingamasekeni

Fundisa izingane zakho ukuzenzela ukudla

[Isithombe ekhasini 6]

Nciphisa izindleko zokudla ngokuba nesivande semifino. Yonga imali ngokuneka izimpahla oziwashile ngaphandle