Ukuba sezikweletini kwabantu abasha

Kubukeka intsha isingene yagamanxa ezikweletini kulesi sikhathi sanamuhla. UTrevor Crighton uyasiphenyela

Ukwazile ukuphumelela waze wafika enyuvesi, manje usuyasebenza, usubhekene nesilingo sokuba udle ¡mali yakho ngemizamo yokuba uzenze ubukeke kahle, ubonakale nabangani bakho emakilabhini aphambili nokuba uhambe ngemoto okade wawuyifisa. Kungakhoke abantu abaningi abasha bakuleli sebezithola bengene bagamanxa ezikweletini, nakuba sebehola amaholo aphezulu.

Abe-Old Mutual Savings nabe- Investment Monitor bathi ngokwemibiko ukukhula kwezikweleti kukhombisa izinga eliphezulu kusukela ngo-2012, kwedlula ngisho nokongiwa kwemali okokuqala ngqa emlandweni kusukela ocwaningweni lwango-2011.

ULesego Monareng, oyi-financial planner kwa-Old Mutual ukholwa wukuthi izinkundla zezokuxhumana zidlala indawo enkulu ekwenzeni abantu abasha ukuba bachithe ¡mali eningi ngemizamo yokubenza baphile impilo engcono nephezulu. “Kubukeka sengathi abantu abasha bahlale bezimisele ngokuba benze konke okusemandleni abo ukuze bazenze babukeke kahle izinwele, i-make-up, izingubo ezinhle, izikhwama nezicathulo eziphambili, izimoto ezinhle kanye nokubonakala ezindaweni eziphambili,” kusho yena.

ULuke Martins, oyi-financial planning coach kwa-Old Mutual Wealth, naye uyahambisana nalokhu. Uthi iningi labantu abasha linezikweleti zemifundaze, noma likhokhela izimoto elazithenga ngesikhathi liqala ukusebenza. “Phezu kwalokho, alizimisele ngokuphila impilo ephansi,” kusho uLuke.

OyiMonitor yabakwa-Old Mutual ukhombise ukuthi abantu abasha banethemba ngekusasa ngaphezu kwakuqala njengoba abanye bezibandakanye nokudlala izitokifela, kanjalo nasekubolekeni imali emabhange. Bangu-38% kuphela abantu abasha abanegalelo kwezezimpesheni noma kwi- provident fund, kanti u-50% walabo okwaxoxiswana nabo basahlala emakhaya abo. NgokukaLuke, blu cwaningo lukhomba ukuthi abantu abasha bayishintsha kakhulu imisebenzi kunabantu besizukulwane esedlule. Uthi lokhu kwenziwa yisidingo seholo eliphezulu ukuze bakwazi ukuphila impilo ephezulu.

“Lokhu kuyabonakala futhi ekulawuleni izimali zabo. Yinto eyaziwayo ukuthi abantu bakuleli abanawo umlando omuhle ekongeni imali. Lokhu kubonakala ikakhulu kubantu abasha abathanda ukutuswa. Yiyo lento eyenza ukuba abantu baphile impilo ebiza ngaphezu kwemali abayiholayo, basebenzise ama-credit card kakhulu baze bangene bagamanxe ezikweletini,” kusho yena.

Lo mbiko uchaza ngokusobala ukuthi lokhu yisona sizathu sokwenyuka kwesidingo sokuboleka imali emabhange noma kubangani nabomndeni. Imali mboleko ingasiza ekutheni ixoshe ikati eziko
Okungekho ebhajethini yakho, ungakuthengi ngisho ngabe yilanga lokuhola.
okwesikhashana, kodwa ingesinye sezikweleti eziya zilokhu zikhula.

Empeleni akubona kuphela abantu abasha abahlangabezana nalezi zinkinga. OyiDebt Rescue CEO, uNeil Roets, uthi cishe u-48% wabantu uthathwa njengabantu abakhungethwe yizikweleti. Lokhu kungenxa yokuthi ezikweletini abanazo kukhona leso mhlawumbe abasalele ngezinyanga ezintathu ekusikhokheni. “Izibalo zikhomba umthengi woqobo kungenzeka abe nama-akhawunti kusukela kwangu-14, ¡moto kanjalo ne-loan yendlu, kanti lesi sibalo sihlale sanda minyaka yonke,” kusho yena.

Inkinga wukuthi abantu abasha bathi beqala ukusebenza, bazifake ezikweletini. Lokhu kudweba isithombe esisabekayo sokuthi impilo yabo bonke izobukeka kanjani, ikakhulu uma bengakulungisi lokhu. ULuke uthi abantu kufanele bafunde ukwenqaba. “Funda ukuthi cha, ungabi namahloni ngalokho. Zibambe ekutheni usebenzise i-credit card noma isikweleti sasesitolo eminyakeni yokuqala emithathu usebenza. Kuzokumangaza kwawena ukubona ukuthi ungaphila ngaphandle kwezikweleti. Uma uthola i-credit card, ungathengi yonke into ongeke ukwazi ukuyikhokhela ezinyangeni ezintathu. “Ngeke usigweme isidingo sokuthenga izimpahla ezinhle, ngakhoke kufanele uzithenge lapho kunendali. Okufanele ukwenze, wukuba ubhajethe.

Okungekho ebhajethini yakho, ungakuthengi, ngisho ngabe yilanga lokuhola. Onga imali kuqala, ungaqali ngokuyidla,” kusho uLuke.

Uma uzithola usungene wagamanxa ezikweletini, kunezinyathelo ongazithatha ekutheni uzikhiphe kulesi simo. Into yokuqala okufanele uyenze, ukugwema izinto ezikufaka ezikweletini. Vaia i-credit card yakho noma uyibeke endaweni efihlekile kuze kube uqeda izikweleti. Uma unesikweleti, akuthi lapho ususiqedile, usikhansele,” kusho uLuke.

“Khokha isikweleti sakho ngesikhathi imali isekhona. Uma unemali ekusalele ekupheleni kwenyanga, khokha ingxenye yesikweleti onaso. Esikweletini sesikhathi esincane, inzalo inkulu kakhulu kangangoba kungakuhle ukuba ubeke leso sikweleti phambili,” kusho yena. ULesego uthi kunezinhlobo ezehlukile zezikweleti – ezichazwa njengezinhle, nezimbi. “Isikweleti esihle yileso sokuthenga into ezokuba wusizo noma ikwakhele imali esikhathini esizayo, njengendlu noma ibhizinisi. Isikweleti esibi yileso esiwumthwalo wokusikhokha isikhathi eside. Sigcina sesinomphumela wokukudalela ¡-stress,” kusho yena. Ekugcineni indima yomeluleki wezezimali ezinhlelweni zokonga akufanele ukuba uyibukele phansi.

“Kunzima kakhulu ukufeza amaphupho akho nezinhloso zakho ngaphandle kokuzakhela uhlelo oluhle lokusebenzisa imali. Uhlelo oluhle lokuzakhela ikusasa elihle esikhathini samanje, wukuba ukwazi ukubeka imali kanjalo nokuyisebenzisa kahle,” kusho kuphetha uLuke.

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