Imali oyisebenzele kanzima iyanyamalala ngaphambi kokuphela kwenyanga, yingakho kubalulekile ukubeka imali noma yincane kangakanani ukuze ufeze amaphupho akho. Ungazikhathazi ukuthi ukonga kuyaba nzima, yonga wena, ungalindi ukuthi uyoze ube nemali eningi.
Masiqiniseke: Imali yaze yaba yiningi impilo nayo iyashitja, nezinto ziyakudulela manje, kube kungekho nemali ubuyonga.
Ukonga akuhambelani nokuhola kakhulu. Kuhambelana nokuzifundisa ukubeka imali eceleni, noma yincane kangakanani, uzakhele idlelantongeni lakho langakusasa.
Kulenyanga Yokonga, iAssociation for Saving and Investment South Africa (ASISA) ikukhuthaza ukuthi wonge lokho ongafikelela kuko, ngoba ikusasa lakho lisekongeni.
Kulenyanga Yokonga,
Yongela ikusasa lakho
Udinga kongela izizathu ezimbini. Okokuqala, ikusasa alaziwa futhi alithembakali. Udinga idlelantongeni ukuze ubeke imali mangabe sewugula, sekufuneka ubuyisele izitho zomzimba ezithile ezidinga ukubuyiselwa ngenxa yokuluphala kwakho uphinde ubhadale imali yesikolo.
Isizathu sesibili ukubeka imali ezokugcina ebudaleni mawungasasebenzi, sowuzihlalele ekhaya. Imali oyibekela ukuthi ikugade ebudaleni, iyakukhulula ukuthi ukhone ukuzimela, uziphilele kancono ebudaleni, ungabi ngumthwalo emdeni wakho.
Kungabi ngathi ubeka imali nje, wenzela ukuthi kube yinto ezawuba segazini, ijwayeleke. Ukubeka R20 noma R50 kubukeka ngathi yimali encane kakhulu, kanti wena wenzela ukuthi kube yinjwaleyo.
Kulenyaka Yokonga, sikhuthaza ukubeka imali noma wena ucabana ukuthi yincane kangakanani, kodwa uyonga:
“Qala ukonga masewunemali eningi ngikho okulungileyo”
Ungalindi ukuthi isikhathi sibe sihle, qala wonge lokho onakho. Noma yimali encane kangakanani mawuhola imali uyakhuthzwa uuthi wonge ukuze kube yinjwayelo. Khuluma nebhange lakho ukuthi njalo ngenyanya lithathe imali thizeni likongele yona kuze kube yinjwayelo. Lemali oyongayayo ungakhoni kuyisebenzisa, kuze kufike lolo suku benivumelene ngalo.
Ukonga: Khetha into ongayehlisa njalo ngenyanga, kungaba ngunamnede mawudla isidlo sakho sasemini emsebenzini, ukuthenga ukudla esikhundleni sokupheka endlini ngaboleSihlangu, uyithathe lomali uyonge.
“Ukubeka imali encane akusizi lutho”
Abantu abaningi bacabanga ukuthi ukonga ukubeka imali eningi njalo ngenyanga. Kodwa, wonke umuntu owongayo, waqala ngokubeka encane kwakhula kusukela lapho.
Waze waqala ngemali encane, ukuzethemba kwakho kuyakhula. Mangabe kukhona imali engenile, masithi ivela kumbutho beniwuqalile nabangani, noma kusemsebenzini ekupheleni konyaka, ukonga kwakho kuyakhula. Leyo mizamo yakho ungayithatheli phansi, ekuhambeni kwesikhathi, ukonga kwakho kuyakhula.
Okubalulekile ukuthi wonge noma kuncane kangakanani na.
Ukonga: Mawonga, yongela into ethize, izakwenza uyijwayele. Abantu abaningi bayakhuthazeka mabeyazi into abongela yona.
“Ukuthatha kwimali yakho yomhlala phansi akukubi kakhulu”
Uma unenhlanhla yokuthi ubenemali yomhlala phansi, sowuqalile ukonga. Mawuthatha imali kwimali yomhlala phansi wakho, liyehla ibhodwe bewulongile.
Mawuyithathile kulambiza ubuyongile, nenzala yakhona iyehla kakhulu, kanti mhlambe leyo mali uzayidinga ekukhuleni kwakho emphilweni.
Khumbula, lemali omane uyithatha kulemali yomhlala phansi wakho, ikhona imali abakubiza yona njalo mawuyokhipha.
Ukonga: Zikhuthaze ukuthi kube khona imali oyibeka ecaleni njalo, noma yincane kangakanani. Kunokuthi uthathe kulemali yomhlala phansi wakho, thatha kulemali umane uyonga kancane kancane ekupheleni kwenyanga.
Yonga lokho ongakhona ukonga
Awudingi ukubeka imali ngendlela enhle, ezinye inyanga kuzaba nzima, kulungile nalokho.
Okubalulekile ukuthi uyayibeka imali noma yincane kangakanani na, makukhona okubeka eceleni njalo ngenyanga, umoya wakho uyakhululeka.
Kulenyanga Yokonga, ungabuki ukuthi ubeka malini, buka ukuthi sowuqalile na ukonga.
Yonga lokho ongakhona ukonga ikusasa lakho lisekongeni.
Lombhalo ongaphezulu wethulwa yi Association for Savings and Investment South Africa (ASISA) kulenyanga yekonga ukusiza abahlali baseMzansi Africa…#YongaLokoLongakhonaKukonga.
