Sebenzisa Imali Ngokuyelela


 “Ukusebenzisa imali ngo kweqileko kufana nesi kwelede esiliphela endle beni. Kungaba kuhle khulu nange ungabalekela ukuse benzisa imali ngokweqileko kiloKresmusi, ngoba uku sebenzisa imali ngokweqi leko kungaba nomphume la omumbi emalini onayo ngemva kwesikhathi,”  kutjho umphathi wezokumaketha nokuthengisa kwa-DebtSafe, u-Matthys Potgieter. “Ubumnandi bokuthe nga ngenyanga kaSinyikha ba nekaNobayeni kuphela msinyana khulu, abathengi bathome ukuzwa ubuhlungu bezenzo zabo zokuthengela butjhwileni ekupheleni kwakaTjhirhweni wee-2019. Musa ukusebenzisa imali o nganayo namkha musa uku thenga ngemali onganayo,” kungezelela u-Potgieter.
 UMphathi we-African  Bank u-Mellony Ramalho uthi abasebenzi bavamise ukurhola msinyana nanyana ngaphambi kwesikhathi ngenyanga kaNobayeni; lokho-ke kwenza ukuthi u mrholwabo kaTjhirhweni ufike ngelikade khulu.

“Inyanga kaTjhirhweni yi nyanga ebudisi khulu eba ntwini abanengi, kanga ngokuthi abanye bagcina badanele ekusebenziseni ama-credit card namkha ba gcine babolekile. Kuqakathe kile ukuthi uhlale ulimuka, utjheje ukuthi uyisebenzisa kangangani imali.  Kungaba ngcono khulu ukuthi imala kho uyihlelele, uyihluka nise ngokuyaba ngaphambi kobana uthome ukuyisebenzisa, nawuzakubalekela ukusebenzisa imali ngokweqileko,” kutjho u-Ramalho.
U-Potgieter ulimukisa  abathengi ukuthi bathome kusese nesikhathi ukuthengela uKresmusi, begodu babe benze nesiqiniseko so kuthi indawabo yokubeka ukudla namafriji wabo azele ukugoma okuhlala isikhathi eside, ukwenzelela ukuthi imali abanayo ihlale ilawuleka, nokubalekela ukuthenga kwamarhabarhaba nokudla imali enengi.
U-Potgieter uyelelisa abathengi ngeendlela zokungasebenzisi imali ngokweqileko:
•	Thenga ukugoma ngo bunengi bewuthenge imi hlobo ekghona ukuhlala isikhathi eside.
•	Sebenzisa iqhinga loku khwezana eenkoloyini.  Ukunciphisa inani lee nkoloyi kutjho ukuphu nguka kweembaseli ezise tjenziswa eenkhwelweni.
•	Lapho kukghonakala kho na, balekela ukukhamba ngeendlela ezibhadale lwako.
•	Kunokobana nithenge izipho, kungaba njani nange uthi abentwana ababhage amabhago enizenzele wona enizozitha bisa ngawo nabantu enikhonzeneko.
•	Zithenge kusese nje, izinto ozozidinga ngoKresmusi.
Nonyaka isiqhema se-DebtSafe sikhuthaza abathengi ukuthi baqalelele ukusebenzisa iphe pha lokuphuthela izipho eli sundu, ngoba liyathengeka begodu alisilaphazi ibhodu luko.