Usemtsha kodwa uyantyumpantyumpeka ematyaleni

Ulutsha IwaseMzantsi Afrika luntyumpantyumpeka L ematyaleni kakhulu kunakuqala; kodwa lusaqhuba nokuphila duru. UTrevor Crighton uyanan

Ude wagqiba eyunivesithi, wafumana umsebenzi; kwaye ngoku urhola umrholo wesiqhelo. Isilingo sokuchitha imali siyakugubungela, nawe uyafuna ukubonwa kwiindawo zojuxuzo ezaziwayo nokuqhuba ¡moto yale mihla. Yiloo nto kanye ebangela ukuba abantu abaninzi babe sematyaleni eMzantsi, nditsho nokuba barhola kakuhle.

I-Old Mutual Savings and Investment Monitor ibonisa ukuba inqanaba lamatyala lonyuke kakhulu kunango-2012, eli bakala logqitha inqanaba lokonga imali elalishicilelwe ngo-2011. ULesego Monareng, ongumcebi wezimali ogunyazisiweyo kwicandelo lokulawula ubutyebi labucala kwa-Old Mutual, ukholelwa ukuba amaqonga onxibelelwano odiala indima enkulu ekwenzeni abantu bafune ubomi bobukhazikhazi. “Kubonokala ingathi abantu abatsha bachitha ubuninzi bemali yabo kwinkangeleko yabo – kwiinwele, kwimake-up, kwiimpahla eziduru, kwiibhegi nezihlangu, neemoto nokubonwa kwiindawo eziphucukileyo,” utsho.

Uyangqina noLuke Martins, ongumcebisi wezimali kwa-Old Mutual Wealth. Uthi amatyala abantu abatsha aquka intlawulo yeyunivesithi nemoto besaqala nje ukusebenza. “Kodwa nangona kunjalo abazimiselanga tu ukuzincama ezinye izinto,” utsho uluke.

linkcukacha-manani zakwa-Old Mutual zibonisa ukuba ulutsha alusalicingeli ikamva kule mihla. Ixhaphakile ngoku kulutsha olumnyama into yokonga imali nokuba kukanjani, kwaye lonyukile izinga lokuboleka imali. Ngu-38% kuphela wolutsha oluhlawula imali yomhlala phantsi, phofu u-50% wolutsha ebekuphandwa kulo lusahlala emakhayeni alo.

Ngokutsho kukaLuke, uthi uphando lubonisa ukuba ulutsha lutshintsha imisebenzi kakhulu kunakuqala. Uthi oku kwenziwa lolu xinzelelo lokufuna ukuhlawula obu borni buduru buluphilayo. “Phofu loo moya mnye ungawubona nakwindlela ulutsha oluphatha ngayo imali. Akuyomfihlo into yokuba abantu baseMzantsi Afrika abayongi imali. Le nto ibonakala apha kulutsha olusoloko lufuna imali ekhawuleziyo,” utsho. “Le nto ibangela ukuba abantu baphile ubomi obuduru kunengeniso yabo, babe bengafuni ukuncama nto kwaye benze amatyala neecredit card,” utsho.

Ingxelo ibonisa ukuba imali ibolekwa kakhulu – nokuba ibolekwa kumaziko okubolekisa, okanye kubantu bemali ezalayo okanye ibolekwa kwizihlobo. Nangona imali-mboleko iphungula umthwalo umzuzwana, inyaniso kukuba, lityala nje elingasokuze liphele.

Phofu ke, ayilolutsha kuphela oluntyumpantyumpeka ematyaleni. Isikhulu saseDebt Rescue, uNeil Roets, uthi kuphantse ibe ngu-48% wabathengi kweli abantyumpantyubeka ematyaleni. Oku
Ukuba kukhona into ekukhupha kwibhajethi yakho, musa ukulingeka
ufune ukuyithenga; nokuba ugqiba kurhola.

kubangelwa kukuba banamatyala amaninzi asemva kwintlawulo ngeenyanga ezintathu. “linkcukacha- manani zibonisa ukuba abathengi banee-akhawunti eziyi-14, enye yeyemoto ize enye ibe yeyendlu; kwaye liyakhula eli nani,” utsho. Kodwa eyona nto imbi kulutsha kukuba, luthi luqala ukusebenza lube luntyumpantyumpeka ematyaleni. Oku kuyoyikisa xa ucinga ukuba inokuba luza kuphelela phi, ngaphandle kokuba lungathatha amanyathelo okuyilungisa le meko.

ULuke uthi ukuze uphuncuke ematyaleni ingakunceda into yokuphepha izilingo. “Funda ukuthi hayi, kwaye wanele. Zibambe ungayithathi ¡-credit card okanye ikhadi levenkile kwiminyaka emithathu yokuqala usebenza. Iza kumangalisa indlela oza kukwazi ngayo ukuphila ngaphandle kwawo, kwaye ufunde umkhwa omhle wokonga,” utsho. Xa sele uthe wanayo ¡-credit card, musa ukuthenga into ongenakukwazi ukuyihlawula ngeenyanga ezintathu. Ukuthenga ngobukrelekrele nako kungakunceda.

“Awunako ukuyiphepha into yokuthenga iimpahla ezisemgangathweni zomsebenzi, ngoko khangela izisulu, ucele isaphulelo kwaye uthenge iimpahla eziyimfuneko; hayi ezisefeshinini. Nceda wenze ibhajethi! Ukuba kukhona into eza kukukhupha kwibhajethi, musa ukuyithenga; nokuba urholile.

Yonga kuqala, sukuchitha kuqala – iza kunceda loo nto ungazibhaqi sele ufuna imali ekhawulezayo,” uyacebisa uLuke. Xa sele usematyeleni, zikhona ¡indlela onokuzilandela lingekakushiyi ixesha. “Okokuqala yeka lo mkhwa ukufake ematyaleni kwasekuqaleni. Nqunqa ¡credit card okanye uyivale ude ugqibe ukubhatala. Ukuba unekhadi levenkile, livale xa sele ugqibile ukulibhatala,” utsho uLuke. “Yenza ibhajethi uze uhlawule ityala lakho kanye xa urhola.

Ukuba unemali eshiyekileyo xa kuphela inyanga, bhatala ngayo amatyala. Ityala lexeshana linenzala ephezulu, ngoko iza kunceda into yokuqala ngalo,” utsho. ULesego uyalumkisa ukuba kukhona uhlobo Iwamatyala – elaziwa ngamatyala amahle namabi. “Ityala elihle liyakunceda uthenge into eza kuba yinzuzo ekuhambeni kwexesha, njengendlu; okanye eza kungenisa imali, njengeshishini,” utsho. “Ityala elibi linenzala enkulu ongenakukwazi ukuyehlisa xa uyihlawula ngezavenge. Loo nto iphela isiba neziphumo ezibi ezenza istresi.”

Okokugqibela, ungawujongeli phantsi umsebenzi womcebisi wezezimali wokubonisa ¡indlela zokonga nokutyala imali.

“Kunzima ukufezekisa amaphupha neminqweno yakho ngaphandle kwesicwangciso esibhadliyo semali. Abantu abatsha banenyhweba yokukwazi ukufunda kumava abanye abantu, kwaye banethuba lokuyoyisa inzala enkulu kuba ixesha lisengakubo. Lungiselela ikamva lakho ngesicwangciso esicacileyo sekamva kwaye ube nomcebisi wezimali,” Uvala ngelo uLuke

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