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UKUKHOKHELA ingxenye noma zonke izikweletu zakho kuke kubukeke kuwumqansa uma ubheka umthamo wazo. Yingakho kumqoka ukuthi ucabangisise ngaphambi kokuthatha isikweletu esisha, kungaba isikweletu esikhulu njengokuthenga imoto noma ukudinga imali ngenxa yesimo esiphuthumayo kodwa kumele uqale uzibuze ukuthi uzokwazi yini ukumelana nesikweletu ngaphezu kwazo zonke izindleko zemihla ngemihla.

UNksz uMagdeline Thidiela, iHead of Client Solutions and Personal Lending eStandard Bank, uthe kumqoka ukuboleka imali ngendlela ehlelekile ukuze ukwazi ukukhokhela isikweletu sakho, negama lakho lingangcoli.

Uthe kuhle ukuzinqumela isikhathi ofisa ukusiqeda ngaso isikweletu bese uphokophela ukwenza njalo.

Uthe ukukwazi ukuphatha kahle imali kusho ukuphila ngangamandla akho nokuba nezindleko ezingaphansi komholo wakho. Ululeka ukuthi kumele uyicubulungisise inzalo ozoyikhokha ngesikweletu osithathayo, uzibuze ukuthi uzokwazi yini ukusikhokhela ngaphandle kokuklinyeka.

Uthe qinisekisa ukuthi uyayiqonda kahle yonke imali ozogcina uyikhokhile nokuthi isikweletu sizogcina siyimalini.

Izinto ezintathu uNksz uThidiela athi kumele uzicabange ngaphambi kokuboleka: 

  1. Ukuboleka imali ngoba ufuna ukuthenga indlu noma ukufunda imvamisa kuwumqondo omuhle kodwa ukuboleka imali ngoba ufuna ukuya eholidini nokuthenga ezinye izinto ezingathi shu nezingalinda akudingeki. Uthe izikweletu eziningi ziwumthwalo. “Yenza isabelomali ukuze ubone ukuthi usebenzisa malini ngenyanga, ulondoloza engakanani futhi ukweleta engakanani ukuze ubone ukuthi yisikweletu esingakanani ongakwazi ukusikhokhela. Ukuboleka imali akuhlale kuyiyona nto engcono, zikhona ezinye izindlela zokufeza amaphupha akho ngaphandle kokuthatha isikweletu. Isibonelo nje ungawafeza amaphupho akho ngokubekezela, wonge imali esikhundleni sokuboleka,” kweluleka yena.
  2. Abanye abantu bacabanga ukuthi ukukhokhela izikweletu kuzothatha izinyanga ezimbalwa kodwa akulona iqiniso loko. Ngaphambi kokuboleka, qhathanisa inzalo ezindaweni ezihlukene futhi ubhekisise nalezi ezinye izimali ezengeziwe ezikhokhwayo. “Uma uboleka imali kumele ukhokhe leyo mali oyibolekile, inzalo kanjalo nenye imali eyengeziwe. Kanti kuya futhi nokuthi ukhethe nhloboni yenzalo; kungenzeka ukuthi inzalo oyikhokhayo ihambisana nokwehla kanjalo nokunyuka kwenzalo,” kusho uNksz uThidiela.
  3. Uma usuqala usukhokha isikweletu, kumqoka ukuthi ukhokhe ngesikhathi ngoba inzalo eyengezwa ngaphezu kwesikweletu sakho ayimnandi uma ungakhokhi ngesikhathi futhi ukungakhokhi ngesikhathi kungangcolisa igama lakho. UNksz uThidiela ululeka ngokuthi: “Hlela indlela okhokha ngayo izindleko zakho nyanga zonke noma okungcono wenze ukuthi abantu bazidonsele bona imali. Uma ukhetha ukuthi abantu abazibambele, hlala uyigadile i-akhawunti yakho ikakhulukazi uma ungumuntu ovame ukukhipha imali ngoba kulula ukuthi ugcine usuthatha i-overdraft ungahlelanga.”

Uma unemali ethe xaxa, khokhela izikweletu zakho. Akumnandi njengokuthenga izimpahla zokugqoka noma imoto entsha kodwa kuzokusiza ngokuhamba kwesikhathi. Ukukhokha imali ethe xaxa yindlela enhle yokuphungula isikweletu sakho masinyane futhi uyonga nakwinzalo obungagcina uyikhokhile. Zama ukukhokha imali ethe xaxa zinyanga zonke. 

Uma umholo wakho unyuka, nyusa nemali oyikhokhela izikweletu zakho futhi uzame ukuzinqumela ukuthi imali oyikhokhayo uzoyinyusa nyanga zonke noma ngonyaka ukuze ugcine ukhokhe imali engaphansi kunokunqunywe ukuthi uyikhokhe.

Uma ukhokha kahle izikweletu zakho, ngeke zigcine sezikulawula. Khokha ngesikhathi kanti uma kwenzeka uxakeka, xhumana nebhange lakho ulazise. – Intatheli yoMbele

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