Hlela Iimali Zakho Ngokuhlakanipha

 Ubujamo bezomnotho bomnyaka wee-2020 bubonakala inga bungahle bube budisi khudlwana ukudlula bomnyaka wee-2019, ngalok-ho-ke kuqakathekile ukuthi uziqale uziqalisise iindlela osebenzisa ngazo imalakho.
 Ukufika ekululekweni yemali mnqopho okhanukelwa mu-muntu woke, kodwana bayirharakatjhana abantu abaziko ukuthi kufuze bathome kuphi. Ukuba nemikghwa emihle yezeemali embadlwana kuzakusiza ukwenza umnyakakho omutjha ube yipumelelo.
Ukuqinisekisa ukuthi uyaphu-melela ukuzalisa iminqopho yakho yeemali, ungalandela iminqopho ye-SMART uzakhele ingomuso leemali elinzinzileko. Lokhu-ke kutjho uku-zibekela iminqopho:
• Enqophileko (Specific)• Elinganisekako (Measurable)• Efikelelekako (Achievable)• Efaneleko (Relevant)• Engesikhathi (Time-bound).  Ukudlula lapho, kuqakathe kile ukuthi uhlele iimali zakho ngokutjheja nokuyelela. Nanzi ezinye iiyeleliso ezingakusiza:Beka iminqopho yakho yeemali Sebenzela phezu kwendlela osebenze ngayo ngokuzithiba nokuzikhalima eemalini zakhoemnyakeni wee-2019 bese uzibekela iminqopho emitjha yomnyaka wee-2020.

Vala iinkwelede zakho  Bekela ngeqadi imali egade isimetjhe namkha yebhonasi neyokukhu tjhulwa komrholo uyisebenzisele ukuvala iinkwelede, ngoba phela ukuvala iinkwelede msinyana kungakulondela imali ebonakalako yemalinzalo.
 Yenza amatjhuguluko esabelweni sakho seemali ngokweendingo  zakho Lokhuya nawulandelela ii ndlela nemikghwa osebenzisa ngayo imali, yenza amatjhuguluko afaneleko esabelweni sakho seemali, ngezelela inani lemali oyibekako wehlise oyisebenzi sako. Lokhuya nawukhutjhule lwa umrholo, thatha enye yemali okhutjhulelwe ngayo umrholo uyilonde kunobanyana ukhuphule inani lemali oyisebenzisela ukukhuphula izinga nendlela yokuphila kamnandi khulu. Buyekeza amatjhorensakho  – Hlola itjhorense yepilo, yomzimba kho, yokukhubazeka kunye ne tjhorense yesikhathi esifitjhani ukuqinisekisa ukuthi inani lemali elapho liyakhambisana neendi ngo zakho.
Khuluma nomkakho ngokutjha phuluka nawukhuluma ngeemali
 Kunomukghwa wokuthi abantu abezwanako bafihlelane iindaba zeemali. Bambani imikhulumi swana qobe yinyanga nikhu lumisane ngesabelo seemali, iminqopho yakho yeemali nezi nto enizifunako ngobubili benu ngomuso. Yenzani isikhathi so kwakha inembombono ekha mbisanako emalungana noku thi nifuna ingomuso elinjani ndawonye.Phungula imali oyibekela ukuzithabisa  – Thola izinto ezenziwa simahla, njengamaphaga, amalayibhrari nokhunye ongakwenza ngapha ndle kokukhupha imali endaweni yangekhenu.
Iiyeleliso ezizakusiza bona uhlale ukhamba ngehlelo lakho: Akusiyinto ehlala ilula ngaso soke isikhathi ukukhamba nge ndlela yehlelo lakho leemali nje ngoba ulihlelile, ungaphambuki, kodwana hlala unqophe:  • Ukuhlala uhlola ama akhawundi wakho webha nga – uhlole ukuthi uyise benzisa kangangani imali.• Ukuzilungiselela ukudana.• Ukubalekela ukungena eenkweledeni ongakazihleleli
  • Ukuthenga ngokuhlakanipha. Zibuze: Ngikufuna mbala lokhu na? Ingabe kuyingcenye yehlelo lami leemali lokhu na?• Ukubonana nomeluleki ngezeemali nakube awazi ukuthi kufuze uthome phi. 

*UDorh. Rufaro Mucheka (PhD) umHleli wezeeMali oFakazelweko obuye godu abe siKhulu sokuHlelela amaHlelo we-Afrika yoke ephikweni lokuHlelela IiMali kwa-Nedbank.


