Hlela Timali Takho Ngekuhlakanipha

Timo temnotfo tanga-2020 tibukeka sengatsi titawuba matima kakhulu kuna nga-2019, ngako-ke kuyacindzetela kutsi ubuke timali takho nge-liso lelusoti nekutsi ungavuni  luhlangotsi. Kuzuza kutimela ngekwetimali kungumgomo loncomekako, kepha bambalwa bantfu laba-tiko kutsi kufanele kutsi ucale kuphi. Kuba nemikhuba lemi-hle lembalwa mayelana nemali kutakusita kutsi uhlele kahle umnyaka wakho lomusha ube yimphumelelo.Kute wente siciniseko sekutsi uyayizuza imigomo yakho yetetimali, ungasebentisa imi-gomo le-SMART yelikusasa le-livikelekile ngekwetimali. Loku kusho kubeka imigomo le:
• Specific [Condze ngco] • Measurable [Kalekako] • Achievable [Zuzekako] • Relevant [Fanele] • Time-bound [Miselwe sikhatsi]. Kwengeta, kubalulekile kutsi uhlela timali takho ngekucaphela. Nankha emathiphu  langakusita uma wenta njalo:Beka imigomo yakho yetetima-li Buyeketa indlela botiphetse ngayo ngekwetimali nga-2019 bese utibekela imigomo  lemisha ya-2020.
Khokhela tonkhe tikweleti takho Faka nanoma ngutiphi timali letisipele noma emabhonasi nalokhushulelwe ngayo umholo etikweletini kute uticedze, ngoba kukhokhela sikweleti masinyane kukongela imali lenkhulu yentalo lobota yikhokha.Lungisa sabelomali sakho ngekuya kwesidzingo Lapho ulandzelela imikhuba yakho yekusebentisa imali, yenta tilungiso letifanele kusabelomali sakho, khulisa imali yakho loyongako bese wehlisa lizinga losebentisa ngalo imali yakho. Uma ngabe ukhushulelwa umholo, faka lenye kuleyo lo yongako kune kutsi ukhuphule lusebentisomali lwakho lwe ndlelakuphila.Buyeketa emapholisi emshwalensi wakho – Hlola imphilo yakho, temphilo, umshwalensi wekukhubateka newesikhashana kute wente siciniseko sekutsi lamanani eti-mali ayahambisana netidzingo takho. Khuluma nendvoza/umfati wakho ngekukhululeka mayelana netimali – Kune mkhuba lomubi lowentiwa ngulabashadene wekufihlelana tindzaba tetimali. Bambani imihlangano yanjalo ngenya nga nicocisane ngesabelomali, imigomo yenu yemali naloko lenikufunako nobabili kweli kusasa.  Tinikeni sikhatsi na khe umbononchanti ninobabili wekutsi nifuna likusasa lenu libukeke njani.  Nciphisa sabelomali sakho sekutijabulisa Tfola tindzawo longaya kuto mahhala netintfo tamahhala longatenta, njengemapaki, imitapolwati kanye netintfo longatenta esigodzini sakho. Kunetindlela letinyenti tekutijabulisa ngaphandle kwekusebentisa imali.Emasu ekukusita kutsi uhlale kulisu lakho ungesuki Kuhlala kulisu lakho letetimali ungesuki akusiyo intfo lelula ngaso sonkhe sikhatsi, kepha hlosa ku• Hlala njalo uhlola i-akhawu nti yakho yasebhange – hlo la indlela losebentisa ngayo  imali yakho.• Hlala ulungele tinkinga leti ngakuvelela.• Ngatifaki etikweletini leti ngakahlelwa.• Tsenga ngekuhlakanipha.
 Tibute loku: Ingabe loku ngi kudzinga mbamba? Ingabe loku kuyincenye yelisu lami letetimali? • Hlangana nalowelulakana ngetetimali uma ngabe awati kutsi ufanele kucala kuphi.
Dkt. Rufaro Mucheka (PhD) Ngumhlelitimali Locinisekisiwe neNhloko yeTelisubuciko kanye ne-Afrika Yonkhe kuTekuhlela Timali eNedbank.