Kuleli sonto iNingizimu Afrika igubhe iSonto lokuHlela iMali

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Kuleli sonto eligqugquzela ukuhlelwa kwemali uSLINDILE KHANYILE uxoxe nongoti abakucebisa ngokwenza loku kahle

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NGOMSOMBULUKO izisebenzi zenye yezimboni ezinkulu eNingizimu Afrika, imboni yokusansimbi, ziqale isiteleka ngoba zifuna ukunyuselwa amaholo ngo-8% ekubeni umqashi ubeke etafuleni u-4.4% kulo nyaka. Amalungu iNational Union of Metalworkers of South Africa (iNumsa) athe azoteleka umqashi aze agobe uphondo njengoba ethe ngonyaka odlule azwelana naye ngesikhathi kungasebenzeki ngenxa yeCOVID-19.

Nakuba izimfuno zeNumsa zibukeka zingaphezu kwamandla emali, i-inflation noma iCPI, kodwa empeleni uma kubhekwa amanani ezinto okuyizona eziyizindleko kakhulu – ukudla nemali yokugibela – okufunwa yizisebenzi kuyahambisana nendlela lezi zinto ezinyuka ngayo.

Ngokusho kweStatistics South Africa (iStats SA), ukudla neziphuzo ezingenabo utshwala zinyuke ngo-6.9% kulo nyaka uma kuqhathaniswa nangonyaka odlule, kwathi imali yokugibela yanyuka ngo-9.9%.

Lezi zibalo zeStats SA zikhombisa ukuthi impilo isibiza kanjani kanti njengoba nokuntuleka kwemisebenzi kuqhubeka kusho ukuthi namathuba okuthi abantu bazihlele kahle imali yabo ayancipha.

Yize kunjalo leli sonto yiFinancial Planning Week, isonto lapho kugqugquzelwa khona abantu ukuthi bahlele kahle izimali zabo. Ukubheka ukuthi yikuphi ongakwenza yize isimo sinzima, Umbele uxoxe nongoti bezokuphatha imali nabakhiphe izeluleko ezehlukene.

UMnu u-Owen Nkomo, isikhulu esiphezulu se-Inkunzi Wealth Group, uthe kumqoka ukuqala ukonga noma ukutshala imali zisuka nje uma umuntu eqala ukusebenza, ngisho kungathiwa yimali encane kangakanani.

UNkomo, isikhulu esiphezulu se-Inkunzi Wealth Group

UNkomo uthi ukusheshe uqale ukubeka imali kwenza ukuthi uma kuqhamuka izimo ezinzima njengalezi ezibonakele ngenkathi kuhlasela iCOVID-19 ngonyaka odlule kube wukuthi unayo imali “oqamele” kuyona engakusiza ubhekane nokushintsha kwempilo ngaphandle kokucwila ezikweletini. Mlalele. 

UNksz uDhashni Naidoo i-consumer education manager eFNB, uthi into yokuqala ebalulekile wukuqonda kuqala ukuthi imali uyisebenzisa kanjani, nokuyinto ongayenza ngokwenza isabelomali.

Uthi isabelomali sizokusiza ukuthi uhlukanise phakathi kwezidingo nokufunayo, izinto ongaphila ngaphandle kwazo.

UNksz uNaidoo uthi kuhle ukuhlale uhlale usibuyekeze isabelomali sakho ukubheka ukuthi usasilandela yini, into ongayenza ngesonto noma ngenyanga.

“Kuhle ukuhlelela izimo ezingalindelekile nokusho ukuthi kufanele wonge imali ukuze uzoba nemali uma kuba nesimo esiphuthumayo. Ungaqala kancane ngokuthi wonge okungenani umholo wesonto. Inhloso wukuthi ugcine usuwonge umholo wezinyanga ezimbalwa, nokuzogcina kunyuse imali oyongayo futhi uhlale ukulungele ukubhekana nezimo eziphuthumayo,” kweluleka yena.

UNksz uDhashni Naidoo, i-consumer education manager eFNB

Uthi kuhle ukukhokha izikweletu ezinenzalo enkulu ngokushesha ngoba

kwandisa imali ongayisebenzisa. 

“Kwabanye impesheni ingabukeka ikude kodwa sheshe uqale ukonga ngisho kungathiwa yimali encane. Kwabasanda kuqala ukusebenza, qalani manje ukongela impesheni,” kugcizelela uNksz uNaidoo.

UMnu uBongani Mageba, i-managing executive ye-Non-Banking Financial Services, Relationship Banking e-Absa Retail and Business Bank, uthe ngaphezu kokonga nokuqinisekisa ukuthi izindleko zakho zingaphansi kwemali oyingenisayo, kumqoka ukuhlela kahle umshwalense nokuba nencwadi yefa ezoqikelela ukuthi obathandayo banakekeleke ngendlela efanele uma udlula emhlabeni. 

Mayelana namaphutha avame ukwenziwa ngabantu, uMageba uthi ukungabi nemali kagadingozi ngelinye lawo.

“Kuyaye kuthiwe kuhle ukuba nemali ewugadingozi elingana nomholo wakho wezinyanga eziyisithupha. Cabanga abantu abangasaholi imali efanayo ngoba bencishiselwe umholo ngenxa yeCOVID-19, kulabo ababenayo imali kagadingozi kube ngcono ngoba bakwazi ukuthatha kuyona.

“Elinye iphutha yileli lokungabi nawo umshwalense ongakusiza uma kwenzeka ukhubazeka okwesikhashana nokuvikelayo uma ungakwazi ukusebenza. Kunenqwaba yabantu esibabonile okusafanele basebenze abathwale kanzima izimpawu zeCOVID-19 zibagulisa isikhathi eside. Uma uvikela umholo wakho ngomshwalense, ungathi ululama kahle futhi ube uqinisekisa ukuthi izindleko zakho zenyanga aziphazamiseki ngoba awukwazi ukusebenza,” kucebisa yena.

UMageba, i-managing executive ye-Non-Banking Financial Services, Relationship Banking e-Absa Retail and Business Bank

Mayelana nongakwenza ukwandisa imali onayo, uNkomo uthi kuhle ukubuyekeza indlela ophila ngayo ukuze uzobona lapho unganciphisa khona. Zizwele echaza. 

Ezinye izeluleko zokunciphisa izindleko zongoti: 

  1. Buyekeza izinkontileka zocingo ne-data okade wazithatha, nizame ukuzihlanganisa endlini nibe nenkontileka ebhekelela izidingo zenu nonke; 
  2. Buyekeza izindleko ezifana nokukhokhela izinhlelo zethelevishini ezifana neDSTV; 
  3. Buyekeza izindleko zasejimini mhlawumbe eningasayisebenzisi; 
  4. Buyekeza izindleko zikaphethroli nomshwalense wesikhashana; 
  5. Gwema ukuthenga izinto ongazihlelele;
  6. Gada indlela osebenzisa imali ebolekiwe ngayo.
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