Indlela Ongaphatha Ngayo Imali Yakho

KUNEZINDLELA ezintathu zokuphatha imali: (1) Ukuthenga ngayo, (2) ukuyibeka, noma (3) ukuphana ngayo. Ake siqale sixoxe ngendlela yokusebenzisa imali ngokuhlakanipha.

Into ebaluleke kakhulu eye yaboniswa uKuwohloka Okukhulu Komnotho, ukuthi kuwukuhlakanipha ukuphila ngohlelo lokusebenzisa imali olucatshangelwe kahle. Luyini uhlelo lokusetshenziswa kwemali? Ngamafuphi nje, luwukuhlela ukuthi iholo lingase lisetshenziswe kanjani, kungaba umuntu oyedwa, umkhaya, ibhizinisi noma uhulumeni.

Umsebenzi Womkhaya Wonke

Ungalwenza kanjani uhlelo lokusetshenziswa kwemali? Incwadi ethi Budgeting, kaDenise Chambers, ithi: “Wonke amalungu omkhaya kufanele abe nengxenye lapho kwenziwa uhlelo lokusetshenziswa kwemali, ukuze wonke azimisele ukubambisana nalolo hlelo.” Ngezikhathi ezithile, kufanele wonke ahlangane ndawonye ukuze abone ukuthi lusebenza kanjani. Ukwenza uhlelo oluphumelelayo lokusetshenziswa kwemali kungaba umsebenzi ozuzisayo womkhaya wonke njengoba ilungu ngalinye lizama ukuphila ngokuvumelana nemali umkhaya onayo.

Ukuze benze uhlelo lokusetshenziswa kwemali, abanye abantu basebenzisa izinhlelo zama-computer. Abanye basebenzisa ipeni nephepha babhale izinhlu ezimbili. Olunye uhlu luba neholo, olunye lube nezindleko. Kubalulekile nokuba kulolu hlelo lwanyanga zonke kuhlanganiswe izindleko ezikhokhwa kanye ngonyaka njengentela kahulumeni mhlawumbe nokuya eholidini.

Indlela ephumelelayo yokuhlela ukusetshenziswa kwemali isekelwe ekusebenziseni izimvilophu ezibhalwe ukuthi “Ukudla,” “Ukuqasha indlu,” “Imali yokuhamba,” “Ugesi,” “Izindleko Zokwelashwa,” njalonjalo. Esikhathini esidlule, abantu babefaka imali yezindleko ezimvilophini inyanga ngayinye. Manje abaningi banomuzwa wokuthi kuphephile futhi kulula ukufaka imali ebhange bese beyikhipha lapho beyidinga.

UJonathan no-Anne, abahlala eNingizimu Afrika namadodakazi abo amabili, bavame ukusebenzisa imvilophu. UJonathan, uthi: “Uma iholo lakho lifakwa ebhange, kubalulekile futhi ukunamathela endleleni oyehlukanisa ngayo imali yakho. Ngokwesibonelo, uma imali ebekelwe ukuthenga inyama iphela inyanga ingakapheli, akufanele uthathe imali oyilondolozile uthenge ngayo enye inyama.”

UJonathan wayenebhizinisi, kodwa manje yena nomkhaya wakhe bakhethe ukuba izisebenzi zokuzithandela futhi bahileleke ekwakheni izindawo zokukhulekela. Ngenxa yokuthi bayayazisa le ndlela yokuphila, kufanele banamathele ohlelweni lokusetshenziswa kwemali kakhulu kunakuqala. Umkhaya uvamile ukuxoxa ukuze ubone ukuthi lusebenza kanjani lolu hlelo nokwenza izinguquko ezidingekayo uma zikhona.

Injabulo Eyengeziwe

Ucwaningo lubonisa ukuthi ukupha abanye lokho onakho kuhlanganise isikhathi sakho, amandla kanye nemali, kuletha injabulo enkulu. Ngokwezinga izimo zakho ezikuvumela ngalo, kungaba indlela engcono kakhulu kulezi ezintathu eziphawulwe esethulweni.

Encwadini yakhe ethi The New Frugality, uChris Farrell uthi, “imali elondoloziwe isiza ekubhekaneni nezindleko.” Usikisela lokhu: “Enye yezinto ezibalulekile futhi enengqondo kakhulu ezintweni ongazenza ngemali yakho ukuyipha abanye.”a UFarrell uyanezela: “Uma ucabanga ngokuthi yini ebaluleke ngempela, ngokuvamile kuba ubuhlobo nabanye, izinto obhekana nazo ekuphileni nomuzwa wokuthi wenze okuthile okuhle, hhayi imali nezinto onazo.”

UMichael Wagner, oyisazi sezomnotho sengathi uyavuma. Encwadini yakhe ethi, Your Money, Day One, eklanyelwe ukukhuthaza intsha ukuba ilondoloze imali, uthi: “Uma uthatha isinyathelo sokusiza labo abanokuncane, lowo musa nokupha kuyobuya ngezindlela ezihlukahlukene, kodwa okwanelisa kunakho konke umuzwa oyoba nawo enhliziyweni yakho wokusiza omunye umuntu.”

IBhayibheli liyavuma ukuthi ukupha kuletha injabulo. Njengoba kushiwo ngaphambili, iBhayibheli linamazwi angakusiza ukuba uzisebenzise kahle izinto onazo. Manje, cabangela amanye amazwi ayisikhombisa ahlakaniphile.

[Umbhalo waphansi]