INTSHA IYABUZA
Ngingayilawula Kanjani Indlela Engisebenzisa Ngayo Imali?
“Ngisanda kuya esitolo ngiyozibukela nje, ngiphume sengithenge into ebizayo ebengingazimisele nhlobo ukuyithenga!”—UColin.
UColin uyavuma ukuthi unenkinga yokuthanda ukuthenga. Ingabe nawe unenkinga efanayo? Uma kunjalo, lesi sihloko singakusiza.
Kungani kufanele ulawule indlela osebenzisa ngayo imali?
Amanga: Ukukhathazeka ngokuthi wenzani ngemali yakho, kwenza ungakhululeki.
Iqiniso: Ukulawula indlela oyisebenzisa ngayo imali, empeleni kukunikeza inkululeko eyengeziwe. Incwadi ethi I’m Broke! The Money Handbook, ithi: “Ukufunda ukusebenzisa kahle imali kuyokusiza ukwazi ukuyongela izinto ezibalulekile, ngisho nasesikhathini esizayo.”
Cabanga ngalokhu: Uma ulawula indlela osebenzisa ngayo imali . . .
Ngeke uswele imali uma usuyidinga ngempela. Osemusha okuthiwa u-Inez uthi: “Kuyisifiso sami ukuvakashela eNingizimu Melika. Njalo lapho ngonga imali, ngicabanga ngalelo holidi.”
Uyonciphisa izikweletu, noma ungabi nazo nhlobo. IBhayibheli lithi: “Obolekayo uyinceku yomuntu obolekisayo.” (IzAga 22:7) Intokazi okuthiwa u-Anna iyavumelana nala mazwi, ithi: “Ungazithola usulawulwa izikweletu. Ukungabi nezikweletu kukwenza ukwazi ukugxila emigomweni yakho.”
Ubonisa ukukhula. Abantu abakwaziyo ukulawula indlela abayisebenzisa ngayo imali, babonisa ukuthi sebekulungele ukuba abantu abadala. UJean oneminyaka engu-20 uthi: “Kungiqeqeshela isikhathi lapho ngizobe sengihlala ngedwa khona. Ngizama ukuqala manje ukusebenzisa kahle imali, ukuze ngikwazi nalapho sengimdala.”
Iphuzu elibalulekile: Incwadi ethi, The Complete Guide to Personal Finance: For Teenagers and College Students, ithi “Ukufunda ukusebenzisa kahle imali kukufundisa ukuzimela. Kuyikhono eliyokusiza ukuphila kwakho konke.”
Indlela yokukwenza
Thola ukuthi inkinga ikuphi. Uma uhlale uphelelwa imali, thola ukuthi yini edala lokho. Kwabanye, ukuthenga kuyi-Internet yikona okubadlela imali. Abanye balinyazwa izimali ezincane eziphuma kungahleliwe, ezakha isamba esikhulu ekupheleni kwenyanga.
“Izindleko ezincane zansuku zonke, zigcina seziyisamba. Kungaba isipho esincane engisithengela othile, ukuthenga ikhofi endleleni eya ekhaya, nokuthenga okuthile engikufica kusendalini esitolo. Lapho kuphela inyanga, sekunemali eningi engingayazi ukuthi ishonephi!”—UHailey.
Yenza uhlu lwezindleko nemali onayo. IBhayibheli lithi: “Ngokuqinisekile amacebo okhuthele ayamzuzisa.” (IzAga 21:5) Ngokwenza lolu hlu, ungakwazi ukuqikelela ukuthi izindleko azibi ngaphezu kwemali onayo.
“Uma izindleko zakho zingaphezu kwemali oyiholayo, bheka ukuthi yini edla kakhulu imali yakho, bese unciphisa ezintweni ongazidingi. Qhubeka unciphisa izinto ozikhokhelayo, kuze kube yilapho imali oyiholayo isingaphezu kwezindleko onazo.”—UDanielle.
Ungasheshi uyeke. Ziningi izindlela ongahlola ngazo ukuthi imali yakho uyisebenzisa kanjani, futhi ugweme ukusebenzisa imali ezintweni ongazidingi. Abanye abasebasha baye bazama lezi zindlela futhi zabasebenzela:
“Ngivele ngiyifake ebhange, lokho kungisiza ukuba ngingalingeki kalula ukuyisebenzisa.”—UDavid.
“Uma ngiya esitolo, ngiphatha imali eyanele izinto engifuna ukuzithenga. Ngokwenza kanjalo, angizitholi sengisebenzisa imali ngokungenasidingo.”—U-Ellen.
“Uma ngingasheshi ukuthenga into ethile, kunginika isikhathi sokucabangisisa ukuthi ngiyidinga ngempela yini.”—UJesiah.
“Ngiyayikhetha imicimbi engiya kuyo! Angikwesabi ukuthi cha uma ngingenayo imali.”—UJennifer.
Iphuzu elibalulekile: Ukufunda ukusebenzisa kahle imali kubaluleke kakhulu. UColin ocashunwe ngenhla ukubonile lokho, uthi: “Uma ngelinye ilanga ngiyoba nomndeni, kufanele ngifunde manje ukusebenzisa kahle imali. Uma ngihluleka manje ukusebenzisa kahle imali, lokho kuyongibangela izinkinga lapho sengishadile.”
Icebiso: “Xoxa nothile ngendlela ohlela ukuyisebenzisa ngayo imali yakho, bese umcela ukuba akukhumbuze njalo. Lokho kuzokusiza uzimisele nakakhulu ukunamathela ohlelweni lwakho.”—UVanessa.