 Kuhle ukuhlelela unyaka zisukaZANELE MTHETHWA January 15, 2020KUPHELILE ukutetemuka nokuchitha imali okudlule namaholidi kaKhisimusi. Abanye bakhihla esikaNandi njengoba uJanuwari kuyinyanga ezondwa ngabaningi ngenxa yokushoda ngemali. Kukhona asebeqalile, babala izinsuku ezisele ngaphambi kokuthi bathole umholo wokuqala onyakeni.Ungoti wezezimali kwaFNB uthe uma ungazihlelelanga kahle, kungenzeka ukhale ngemali kuze kuphele unyaka. UNkk Ester Ochse oyinhloko yeProduct Money Management eFNB, uthe uma ufuna ukuthi unyaka wezimali ube muhle, kuhle ukuhlela zisuka nje.Kumele ubheke izindlela zokonga futhi imali uyisebenzisele kulokhu okubalulekile. U-2019 kube unyaka ongemuhle kwezezimali kuwo wonke umuntu. Nokho lokhu kusizile ngoba abantu sekumele babheke emuva, babone ukuthi yikuphi okungahambanga kahle ukuze baqale kabusha, kusho -Ochse.Uveze amathiphu azokwenza ukuthi abantu bayeke imikhuba emibi ehambisana nokuxhaphaza imali. Uthe ukuhlela kahle kwenza ukuthi ukwazi ukuhlukanisa phakathi kwalokhu okuyisidingo nalokhu okufunwa yinhliziyo. Yize kukhona abacabanga ukuthi sebecwile kakhulu ezikweletini, uNkk Ochse uthe basengaqala kabusha. Nakhu athe kumele ukwenze ukuphunyuka ezikweletini kulo nyaka. Yiba nohlelo lonyaka.Bheka ikhalenda uqhathanise izinhlelo onazo ezidinga imali, ubone ukuthi yingakanani oyidingayo? Lokhu kuzokubeka esithombeni sokuthi yikuphi lapho kumele unciphise khona izindleko. Yazi ukuthi kumele kube khona imali eseceleni yezidingo eziphuthumayo. Buyekeza isabelomali sakho.Uma uwumuntu obengahleli ngemali yakho, sekuyisikhathi sokuthi uqale. Ngaphandle kwezidingo zansuku zonke okumele zingene kwisabelomali, hlelela nezinye izidingo okungaba ukungcebeleka nokuthenga izingubo zokugqoka. Zibekele umgomo.Uma wenza isabelomali kumele uzibekele umgomo nesikhathi ofuna ukuyisebenzisa ngaso. Yazi ukuthi isabelomali usibekele siphi isikhathi. Ukucela usizo.Akulona ihlazo ukucela ukutakulwa nokusizwa uma ungasakwazi ukulawula imali zakho. Ungaxhumana nomeluleki wezezimali oqeqeshiwe ongakuchushisa, akubeke esithombeni nangokuphatha imali yakho. Umeluleki angakusiza ngokuthi unamathele kwisabelomali nemigomo yakho. Sebenzisa imali endaweni efanele. Ukuhlelela imali akusho ukuthi sekumele uzincishe ithuba lokuzijabulisa. Qala ngezidingo ezibalulekile bese uba nemali yokuzijabulisa.Yiba nesiqalo esisha.Njalo emuva kokusebenzisa imali, bheka ukuthi uzisebenzise ngendlela efanele yini?Izitolo zakwaSpar zihlawuliswe R11m ziphula umthetho 