Iya ku:

Lungisa
izindaba
zakho
zemali!
Zama lezi zinyathelo
zokwakha umnotho
Kuyethusa
kodwa yiqiniso
Isifo senhliziyo siyifaka
kanjani imali ebhange
Yakha
uthando
oluhlalayo...
Nizohlalisana?
Yenza lezinqumo ezi-2 kuqala

Ungawuvikela kanjani
umndeni wakho uma ungasekho
...uma
lungakheki
izindaba ezi-3
ngedivosi okumele uzazi
Umcabango

Siyakwamukela onyakeni omusha we Bold! ebukeka kabusha! Njengasemihleni, iqukethe okunomqondo nokulungile esithemba ukuthi kwenza izinqumo zezimali zibelula – njengoba senze i-Bold kwaba lula ukuyibheka. Siyajabula ukuba sibe kule ndlela yakho nawe – kanye nokufaka umbono, i-Bold iyogcina iqonda izidingo zakho kangcono futhi iletha lokho okufunayo. Yingakho singathanda ukuba usitshele kakhulu ngawe. Uyacelwa ukuba uthathe umzuzu ukuphendula imibuzo eyisithupha elula kanti ungahamba nomklomelo owodwa noma emibili ka-R5 000 kwiMax Investment ikumayunithi thrasti. I-Bold ihlose ukukusiza ukuba ujwayele emhlabeni ohlale ushintsha. Noma ngabe impilo yakho ikusiphi isigaba, noma ngabe niyahlalisana, nidivosile noma ucabanga ngomlando womndeni, lolu shicilelo lwe Bold luletha imcabango ezokunika amandla ekuzikhetheleni. Njengomlingani, singathanda ukukukhuthazela emgwaqweni oya enkululekweni yezezimali nokuhlanganisa umhlahlandlela oyisinyathelo ngesinyathelo ohlelweni
lokwakha umnotho.
Ozithobayo, Dashni Naidu
Imenenja yezokuxhumana kwezokuxhumana kwabathengi nokukhangisa

I-Old Mutual iyaziqhenya ngokukulethela umculo
kuleli hlobo. Klikha ngezansi ukudawuniloda
izinhlelo zalokhu:

Ama-Summer Sunset Concerts eKirstenbosch

Umculo eDamini eThekwini

Umculo eNgadini eGoli nasePitoli

Njengomfundi we-Bold, ungafinyelela kuzichitha kwezezimali eNingizimu Afrika,ezingatolika ukuthi isithombe somhlaba sezimali sinamthelela muni
ekuhleleni kwakho izimali.

Isimo sezomnotho sizoma
kanjani kowezi-2012?

Lokhu kunamuphi umthelela
ekutshaleni kwami izimali?

Izindaba ezimbi wukuthi
isimo esibi sezimali eYurophu
asixazululekile...

Kanti, njalo uma kuza
ekutshaleni izimali, into
yokuqala wukubuza: kungani
ngitshale imali noma
ngiyitshaleleni?

Ngenhlanhla iNingizimu Afrika
inesimo esihle emhlabeni

INingizimu Afrika isigade
izimali kangcouo kunamazwe amaningi
athuthukile, okuyinto okumele
siziqhenye ngayo.

URian Le Roux, iNhloko yoCwaningo loMnotho
kwa-Old Mutual Investment Group, SA

U-Izak Odendaal, umhlaziyi
wocwaningo kwaFairbairn Capital

Klikha lapha ukubona
ingxoxo ephelele

Rian:

Izindaba ezimbi wukuthi isimo esibi sezimali eYurophu asixazululekile kanti kungenzeka ukuba kuntenge izimakethe esikhathini esizayo. Izindaba ezinhle okwamanje, idatha yomnotho engenayo ikhombisa ukuthi umhlaba awungeui ekwehleni kwemali, ngokungafani nenkinga yango-2008/9, eyehlisa umnotho. Ngakolunye uhlangothi, kumele sibeke emqondweni ukuthi ukuqhubeka kwesimo esibi saseYurophu kanti lokhu kungadala esinye isimo sokwehla kwezimali. Ngaphezu kwalokho, kowezi-2012 singalindela ukukhula komnotho okhula ngokusimeme nenzalo – kodwa izimakethe zizohlala zintenga inqobo uma abatshalizimali ngezimo ezingaqinisekisiwe zezimali eYurophu nomthelela emnothweni womhlaba. Kafushane, umnotho womhlaba kanye nezingcuphe zezimakethe sekuphakeme ezinyangeni zamanje.

Izak:

Kanti, njalo uma kuza ekutshaleni izimali, into yokuqala wukubuza: kungani ngitshale imali noma ngiyitshaleleni? Uma utshale imali yomhlalaphansi kusukela manje, ukuntenga ezinyangeni ezimbalwa akumele kukukhathaze. Eqinisweni, ungasebenzisa ukwehla ezimakethe ukuthenga amanye amasheya. Kodwa uma ungadinga imali yakho onyakeni olandelayo noma emibili (ukukhokhela iholide elikhulu), udinga ukuba uqaphele. Inkinga, njengoba kusho uRian, wukuthi inzalo yehlile yonke indawo, ukufaka iNingizimu Afrika. Udinga ukunquma: yinzalo emalini etshaliwe, noma imali inzalo yemali etshaliwe kuebalulekile onyakeni ozayo noma emibili.

Rian:

Ngenhlanhla iNingizimu Afrika inesimo esihle emhlabeni, sibonga isimo sezomnotho, kodwa ukwehla kweRandi kukhombise ukuthi ngeke sibalekele imicimbi yomhlaba. Isikweletu sikahulumeni siphansi (sicishe sibe ngama-40% se-GDP – uma uqhathanisa nama-170% aseGreece kanye nama-100% ase-USA). Kodwa siphinde sidinge ukuqinisa izifatingi esikhathini esizayo, okuchaza ukuthi kuzokwehla intela kowezi-2012 kanye nokulawula okuqinile ezimalini ezisetshenziswa wuhulumeni.

Izak:

INingizimu Afrika isigade izimali kunamazwe amaningi athuthukile, okuyinto okumele siziqhenye ngayo. Kodwa akumele sizithele ngabandayo. Njengamakhasimende, iningi lethu selejwayele ukwehliswa kwentela nokunyuswa kwemiholo ukugcina izinto ziqhubeka eminyakeni eyedlule. Kumakhasimende, kowezi-2012 ungaba wunyaka onzima. Nakuba intela yomholo ingeke inyuke (okwamanje), ezinye izintela nezimali zabasebenzisi zizoqhubeka zikhule ngokushesha ukunokukhula komumo wezimali. Lapha omunye ucabanga ngamareythi kamasipala, imali kagesi, otholigethi abasha (eGauteng), izintela eziphezulu zasezikhumulweni sezindiza, njll. Okongezwe kulokhu kukhula komnotho lapho izinkampani zingeke zikhiphe amaholo amahle kanye nokunyuka kwenzalo ekupheleni kowezi-2012, kanti ikhasimende elijwayelekile lingezwela. Endaweni enzima, ukongela umhlalaphansi kuba semuva. Lokhu kuyoba yiphutha. Umngani omkhulu womtshalizimali yisikhathi.

Rian:

Nakuba ukusimama ukomnotho kuzoqhubeka, silindele umnotho ukuba ukhule ngamaphesenti amaawu-2 kowezi-2012 njengoba singeke sibalekele ngokugcwele ukukhula komnotho. Nakuba lokho kukhula kungaphansi kwalokho esikudingayo, ukunciphisa izinga labangasebenzi, kusebenza kangcono ukuthi amaphesenti awuma-2 okwehla emnothweni wendawo kowezi-2009 kulandela inkinga enkulu kowezi-2008. Okuhamba phambili ekuthuthukiseni umnotho wukwenyuka kwabachitha imali yabo, sibongea ukwehla nokwenyuka kwezilinganiso zamareythi, kanye unokunwetshwa kwamaholo ngaphezu kokwehla nokwenyuka kwemali. Lokhu kumele kuqhubeke kowezi-2012, kodwa kancane, njengoba izimali ezehle zenyuka zidla amandla asetshenziswa endlini. IRandi elintengayo lizosiza abathengisa izimpahla ngaphandle kweNingizimu Afrika, kodwa izimpahla zingabiza kakhulu kubathengi. Ukwehla nokwenyuka kwemali kulindelwe ukuba kukhuphuke phakathi kwaesi-6 noesi-7 phecenti kowezi-2012 ngaphambi kokuma ndawonye. Kodwa, lokhu kwehla nokwenyuka kwemali kungenzeka kukhuthazele iBhange loMbuso ukuba lenyuse isilinganiso senzalo esikhathini esincane esizayo. Uma iRandi noma intengo kawoyela ima ndawonye emazingeni akhona njengamanje, izilinganiso zingahlala zinjalo kowezi-2012, nakuba amakhasimende kumele azilungisele ukwenyuka kwamareythi.

Izak:

Nakuba kuyindawo yokukhula komnotho ontengayo emhlabeni nasezweni, akumele silindele ukubona izinhlobo zezimali ezibuyayo eshuminiminyaka eyledlule. Ngebhadi, abanye abatshalizimali abasetshenziswe ezimakethe eziqinile ukunxephezela ukushoda kokonga. Ngokufanayo, abatshalizimali bebevame ukuthola inzalo enkulu eshuminiminyaka eledlule. Uma ukuqagela kukaRian kushaya khona, izikhwama ze-money-market ziyoletha imbuyiselo eyiyo (emva kokwehla nokwenyuka kwemali) kowezi-2012. Ngamanye amagama, yisikhathi esixakile abatshalizimali njengoba kungekho neyodwa yezimpahla ezinkulu (amasheya, amabhondi, izakhiwo ezibhaliwe, ukheshi) ebukeka iyinhle. Lokhu kuwuhlobo lwendawo lapho abeluleki bezezimali bangongeza amaphothifoliyo ahlukene kuleso naleso sidingo sokutshala izimali. Okokugcina, nakuba ngesikhathi iRandi elintengayo lizosiza abahambisa izimpahla, njengoba kusho uRian, lokhu kwenyusa imali yokuphila eNingizimu Afrika. Uma kubhekwa isimo sakho somuntu ngamunye, khuluma nomeluleki wakho wezezimali noma ibhrokha yakho ngokungaba yizinto ezenyusa iRandi, okufaka nokutshala izimali emazweni angaphandle.

Klikha lapha ukuze uthole imigomo eyisikhombisa yokutshala izimali.

Ngoba ukutshala imali kuhamba phambili ekuvikelekeni kwekusasa lakho, ukufinyelela olwazini olungcono nezeluleko ezisebenzisekayo kubalulekile. Akukho okungaba sesikhundleni sesaluleko esizwakalayo, nesinenhloso kanti kungcono ukuthatha isinqumo sokutshala izimali ngokuthintana nomeluleki wakho wezezimali noma ibhrokha, uma ubheka izidingo nezinhloso zakho. zomuntu ngamunye. Uma udinga iseluleko sezezimali, shayela ku-0860 WISDOM (0860 947 366) noma iseluleko se-imeyili ku-advice@oldmutual.com kanti siyokusiza ngentokozo..

Ukuzihlangula: Ulwazi olungasenhla lususelwa kwidatha yezomnotho yamanje mayelana nesimo esilindeleke ngonyaka ozayo. Lokhu kungashintsha kanti akuthathwa njengesaluleko.
Abantu
Klikha ezindabeni
Phambili

kanye

naphezulu

Ukumelwa yinhliziyo kwashiya
u-Alvin Bredenkamp ejabule efile.
Yonke into inobuhle bayo, isimo
esibucayi samshiya nemali
angayonga. Nakhu okwenzeka.

Ekuqaleni u-Alvin - imenenja ye-IT eKapa - wayethi unesilungulela. Kodwa ngesikhathi ubuhlungu bumvusa ekuseni ngoNdasa kulo nyaka, wabona ukuthi inkinga inkulu. Wavusa unkosikazi wakhe uRisa, base bephuthuma esibhedlela.

'I-ECG yayingacacisi kahle, kodwa imiphumela yegazi yangethusa. Baqinisekisa ukuthi bengimelwa yinhliziyo kanti ngidinga i-angiogram ukuvula imithambo evalekile. ODokotela bafaka amastenti aseyigcina ivulekile.'

U-Alvin, 48, uyindoda eqaphelayo. Wayene-medical aid enhle wayeseba ne-Greenlight Severe Illness. Nakuba ayebhema wayezivoca, ephuza kancane ehlolwa njalo umzimba ngodokotela futhi wayengabonakali engaba wumuntu ongamelwa yinhliziyo. Kodwa, emasontweni ayeholela kulawo, waziba uphawu oluhlala lukhona: uma uhlala uzizwa ukhathele kakhulu, ungazindeli ukuyohlolwa.

'Ngesikhathi konke lokhu kwenzeka,
angazanga noma ngizodinga
ukuhlinzwa inhliziyo yini,
nokuthi i-medical aid yami izokhokha
yini noma ngizofa! Kukho konke
lokho kungabaza, i-Greenlight
yaba yisiphephelo sami.'

NGEMALI

Uma ukumelwa yinhliziyo sekuqinisekisiwe, inzuzo ye-Greenlight Severe Illness ka-Alvin yakhokha ama-100% omshwalense, nakuba wayengaguli kakhulu. 'Ngibonga i-medical aid, akudingekanga ngisebenzise yonke imali ekhokhiwe ngakwazi ukutshala esele ngiyibekele ukuthatha umhlalaphansi.'

Klikha lapha ukuze uthole olunye
ulwazi nge-Greenlight

'Izimpawu zokumelwa
yinhliziyo ziyehlukana,'
kusho uDkt Peter Bond, udokotela omkhulu
wakwa-Old Mutual. 'Zivamise ukwehluka kakhulu kwabesifazane.'

Klikha lapha ukuze
ufunde kabanzi.

Imiyalelo

kaDkt

UDkt Peter Bond, ongudokotela omkhulu kwa-Old Mutual, uthi ungahlali ucabanga ukuthi ukumelwa yinhliziyo kuyodala ubuhlungu esifubeni. Kungaba nobuhlungu phakathi kwamahlombe, emhlathini nasebusweni nobuhlungu engalweni.

Abesifazane abamelwa yinhliziyo sebebadala, ibahlasela kakhulu, bavamise ukuba nezimpawu 'ezingejwayelekile' kunamadoda.

ISINYATHELO SOKWEHLISA INGCUPHE

Yazi umlando womndeni wakho uma ubhema, yeka!

Gada umfutho wegazi: Kumele ube ngu-120mm HG ngaphezu kuka-80mm HG.

Yazi amafutha asegazini: Esewonke amafutha asegazini kumele abe ngaphansi kuka-5,2mmol/L, noma ngaphansi kwalokho kulabo abanezinto ezibabeka engcupheni yesifo senhliziyo, njengesifo sikashukela u-Type 2.

Shintsha indlela odla ngayo: Gwema amafutha acoyisekile udle ukudla okunothe ngamafutha angagayiwe kanjalo nefayibha. Yidla ama-walnuts, ama-almonds, ama-cashews, ama-cranberries kanye nezintumbu zethanga, udle i-oatmeal kanye ne-oat bran.

Hamba ngezinyawo: Ukuhamba ngamandla okwenyusa ukushaya kwenhliziyo yakho kufike ku-120 no-130 ngomzuzu imizuzu engu-30 kuya kwengu-45 ngelanga kuyokwenyusa ukuhamba kwegazi lakho.

Yehlisa amafutha
aseqolo:
Kwabesilisa,
ukhalo olungaphezu
kuka-94cm kanti
kowesifazane
olungaphezu kuka-80cm
lwenyusa ingcuphe.

Ukukhathala okungejwayelekile

Isicanucanu

Ukuphela komoya

Umjuluko obandayo

Inzululwane
Impilo
aluthengwa uthando

Akukhona ukuthi imali ngeke iluthenge uthando, ivamise ukuba yimbangela yokuba
ubudlelwano bube bubi, ikakhulukazi uma abalingani bebuka izindaba zezimali ngendlela engafani.
Noma ngabe ungakanani, ukuhlela ngokucophelela nangokuthembeka, kanjalo nokukhombisa izisele,
kungakusindisa ekuphukeni kwenhliziyo – kanye nebhange.

Ukuhlangana

Ngizomcela ukuba sishade.
Nginesiqiniseko ukuthi uzovuma,
kodwa lokho kunamthelela muni ezindabeni zethu zezimali?
Klikha lapha ukuze wazi
ngemishado eyehlukene.

Sizoziphatha kanjani
izindaba zethu zezimali uma sesihlalisana? Ufuna sibe ne-akhawunti eyodwa yasebhange,kodwa ngifuna ukuziphathela izimali zami.'
Klikha lapha ukuze wazi
ngemishado eyehlukene.

Buyela ku:

aluthengwa uthando



Imithetho yobudlelwane

Kuhlukene kodwa kuyalingana

'Nobabili kumele nigcine izimpahla nezikweletu emagameni enu ukuvimbela izinkinga esikhathini esizayo. Lokhu kubaluleke kakhulu uma oyedwa enebhizinisi, njengoba izimpahla zomunye zingathathwa uma ibhizinisi liwa,' kusho uSoré Cloete, umeluleki wezomthetho ophezulu kwa-Old Mutual.

Okwakho okwami?

Abanye abashadikazi bakhokha izikweletu ngokuhlanganyela kwi-akhawunti eyodwa abafaka kuyo imali. Kodwa ayikho imithetho enzima nesheshayo kanti ningavumelana ngokuhlukaniselana izibopho – omunye wenu akhokhe irenti omunye athenge ukudla. 'Okumele nikuqikelele,' kweluleka uSoré, 'wukuba ningalinge nifake yomibili imiholo kwi-akhawunti eyodwa.'

Isikweletu sakho ngesakho

Kubalulekile ukuba nikhulume ngokungafihli nokuthi nikweleta malini. Uma omunye wenu engakwazi ukufaka isandla ezindlekweni, kungaba nomphumela omubi ebudlelwaneni. 'Akumele nakancane uthathe noma usayine isikweletu somlingani wakho, kugcizelela uSoré.



Izivumelwano zomshado

Ukuphela komshado – ngokufa noma ngedivosi – yinto yokugcina enifuna ukucabanga ngayo ngesikhathi nihlela impilo yenu ndawonye. Kodwa kumele nibheke niphinde nidingide imithelela yalokhu okulandelayo ngaphambi kokushada:

1. Umshado ohlanganisa amafa:

Izimpahla ezihlanganisiwe zichaza ukuthi umlingani ngamunye uthola u-50%. Zonke izimpahla nezikweletu – kufaka nezikweletu ezikhona – ngaphambi nasemva komshado (ngaphandle uma kushiywe ngaphandle) ziyingxenye yezimpahla ezihlangene. Kunengcuphe yokulahlekelwa yikho konke uma ibhizinisi lomlingani wakho liwa, izimpahla zenu nezikweletu zifakwa ndawonye. Uma ungenaso isivumelwano sangaphambi komshado (ukukhetha okungezansi), ushada umshado ohlanganisa amafa.

2. Umshado ohlukanisayo, ongahlanganisi noma sekushadiwe:

Nobabili niba nezimpahla ezehlukene emva komshado akwabelwana ngezimpahla. Noma lokhu kuchaza ukuthi imali yakho ayikho engcupheni uma umlingani wakho enenkinga yezimali, kungaba nomphumela omubi kunkosikazi ongaholi iminyaka eminingi esekhaya ekhulisa izingane.

3. Umshado ohlukanisayo, ohlanganisayo uma sekushadiwe:

Nobabili niba nezimpahla ezehlukene emva komshado kodwa nabelane ngalokho enikuthole ndawonye. Nobabili ninelungelo lokwabelana uma umshado uphela, ngokufa noma ngedivosi.

Ukuqhubeka nempilo

Uyadivosa? Klikha lapha ukuze uthole izindaba
ezintathu zezimali okumele uzibheke ukuze
ukwazi ukuzimela futhi.

Buyela ku:

aluthengwa uthando



1.Khumbula ukongela umhlalaphansi

Njengomlingani ongeyena umnikazi womhlalaphansi, ungakwazi ukuthola izinzuzo ezikhishwa wumhlalaphansi ngesikhathi udivosa, ukunokuba ulinde umlingani wakho aze athathe umhlalaphansi. (Lokhu kuyohlonzwa wuhlobo lomshado). Inzuzo ingakhokhwa ibe wukheshi kodwa okuhlakaniphile okumele kwenziwe wukongela ikusasa ngokuyidlulisela empeshenini yakho.

2. Thatha umshwalense wempilo ngomlingani wakho

Abesifazane badinga ukuhamba phambili ekuthatheni umshwalense ngabalingani babo, kweluleka imenenja yentuthuko kwa-Old Mutual uSylvia Walker, ukunokuba balinde bona,' . 'Uma unezingane, umshwalense wempilo nowokukhubazeka ukuqinisekisa ukuthi isondlo sivikelekile.' Ungakhohlwa, lo 'mshwalense wesondlo' nawo kumele ube yingxenye yesivumelwano sedivosi.

3. Izindaba zesondlo

Uma uhlonza ukuthi hlobo luni lwesondlo olukhokhwayo, khumbula ukuthi ubude bomshado buyabhekwa kanjalo nobudala benu, iziqu zemfundo, nezindaba zezimali. Uma kunezingane ezincane, izinqumo zokukhokhelwa kanye nezibopho kuyosuselwa kwezezimali zabo bobabili abazali.

Ukushiya
umlando
omuhle

Ungavumeli ukufa kwakho kushiye
umndeni wakho usezinkingeni zezimali.
Klikha lapha ukubona ukuthi ungaligada
kanjani ikusasa labo.

'Waqinisekisa ukuthi nginemali elungile'

Ngesikhathi umyeni wakhe uBruce eshona, uDawn Martin oneminyaka engu-59 wakhululeka azi ukuthi
wayevule eyakhe i-akhawunti. Umshwalense wempilo, wakhokhwa
ngqo kwi-akhawunti yakhe,
kwahlinzekela izidingo zakhe.
Lolu hlobo lokuhlela lubalulekile, njengoba izimpahla zoshonile
zithatha izinyanga cishe
eziyisithupha ukuba zikhululeke
kanti izindleko zomndeni
azimi ngalesi sikhathi.

Buyela ku:

aluthengwa uthando



Yiba nohlelo lwamafa

Uhlelo lwamafa – uhlelo lwezimali uma ufa – lubalulekile, ikakhulukazi uma unabantu abathembele kuwe. Ngaphezu kokulungisa izimali zowengamele amafa, lolu hlelo kumele lubhekele nalokhu:
1. Izibopho: Kufaka nokukhokhela indlu kanye nezinye izikweletu.
2. Intela yezimpahla nekahulumeni: Indlela izimpahla zakho ezabiwa ngayo, iyohlonza izintela okumele uzikhokhe. 'Ukushiya izimpahla kumlingani kuyokwehlisa imali yentela uma kushona umlingani wokuqala,' kusho uSoré Cloete, umeluleki wezomthetho ophezulu kwa-Old Mutual. 'Kodwa lezi zimpahla zikhokha intela uma sekufa umlingani obesele.'
3. Ukuhlinzekela izidingo zomlingani kanye nomndeni wakho: Isamba esibekiwe singahlonzwa ukuhlinzekela lokhu, kubheke nomumo wemali, isilinganiso sokukhula kanye nobude bempilo.

Uma ingekho incwadi yefa...

Uma ingekho incwadi yefa uMthetho we-Intestate Succession uhlonza ukuthi yikuphi okwenzekayo. Umtheshwana wawo uhlonza ukuthi ifa lakho litholwa yizihlobo zakho. Uyabuvuma ubudlelwane bobulili obufanayo ngokwesinqumo senkantolo sowezi-2006, awuhlinzekeli abahlalisene bobulili obungafani. 'Incwadi yefa ebhalwe ngendlela iyoqinisekisa ukuthi izifiso zakho ziyalandelwa,' kusho uSoré.

Kwenzekani ngesikweletu sami?

Owengamele izindaba zakho kuyomele akhokhe izikweletu. 'Uma ifa lakho lingenamali, owengamele angaphoqeleka ukuba adayise ezinye izimpahla,' kuxwayisa uSoré. 'Kanti uma nishade nahlanganisa amafa, izikweletu zakho ziba yisibopho somlingani wakho uma ushona.'

Vikela izindlalifa zakho

Ngokuhlela okucophelelayo nokubhala ngendlela, izindlalifa zakho zingavikeleka kobakweletayo. Funa iseluleko ukuthi ungazishiyela kanjani izihlobo zakho ithrasti, eyoba yingxenye yezimpahla ozishiyile. Umuntu ozimele, ongakhethiwe njengendlalifa ongeyena owomndeni, ukhethwa abheke ithrasti.
- Buyela kumgwaqo owokukhululeka ngokwezimali
- Bafowethu nodadewethu, dumisani izimoto zenu
Imali

Umgwaqo oya
ekukhululekeni
ngokwezimali

Nansi imephu ezanywe yaphinde yahlolwa
ukufezekisa amaphupho awo wonke umuntu:
ukukhululeka kwezezimali. Ungasabi ukucela
ukuyalelwa indlela kubantu abakulungele
lokho endleleni!

'Ukwakha umcebo kuyenzeka
uma unesu lokusuka nokuhlala.'

Klikha izimpawu zomgwaqo ukuthola
indlela eya emnothweni

ULizl Budhram, umhleli wezimali ogunyaziwe.

Bala ukuthi usebenzisa malini, ukweleta malini nalokho ongakwehlisa ekusebenziseni imali. Abantu abaningi baseNingizimu Afrika bazinwebe kakhulu, kodwa kubalulekile ukuba uphile ngemali onayo uphinde ube nemali esalayo ozoyonga. Klikha lapha ukudawuniloda uhlelo lwebhajethi okulula ukulusebenzisa ukuze uqale.

Zivikele ezehlakalweni ezingalindelekile ezingakuphazamisa kalula endleleni eya emcebweni. 'Imishwalense yengcuphe enjengowempilo noma owesikhathi esifishane kumele ibe khona ngaphambi kokuba uqhubeke kakhulu,' kusho uLizl.

Yonga uze ube nesikhwama esibheke izimo eziphuthumayo. 'Isilinganiso sithi umholo wakho wenyanga uphindwe kathathu,' kweluleka uLizl. Ungalingeki ukuyithinta le mali ngaphandle uma kunesimo esiphuthumayo!

Asikhulumi ngezikweletu 'ezinhle' nezinesidingo, njengezindlu kanye nokukhokhela izimoto lapha. Sikhuluma ngamakhredithi khadi, amakhadi asezitolo nama-ovadrafthi – lezo zikweletu okulula ukuzisebenzisa, kodwa ezithatha ingxenye enkulu yomholo uma usuzikhokha. 'Qala ngokukhokha isikweletu esibiza inzalo ephezulu, njengezikweletu zamakhredithi khadi,' kuncoma uLizl. Uma lokho sekudlulile, khokha imali elingana naleyo okumele uyikhokhe nyanga zonke ngesilinganiso esiphezulu senzalo. Ungehlisi isamba osikhokhela isikweletu size siphele – lokhu kuyokongela imali eyinzalo kuphinde kukukhiphe ngokushesha ezikweletini.
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Indlela elungile yokutshala izimali zakho kuncike ezidingweni zomuntu ngamunye kanye nezimo, kusho uLizl. 'Lesi yisikhathi sokucela umeluleki wezimali ukuhluza zonke izinto nokusiza uthathe isinqumo.

– Umhlalaphansi Nakuba iphothifoliyo yomuntu ngamunye yehluka, kunokutshala imali okukodwa okumele sibe nakho: imali yokuthatha umhlalaphansi. Ukuqala usemncane yikhona okulungile, kodwa ukonga akukaze kwedlulelwe yisikhathi. 'Ungasizibi lesi saluleko ngoba unempesheni yasemsebenzini. Qinisekisa ukuthi iyokwanela uma usuhlala phansi. Uma kungenjalo, kuyodinga uyichibiyele ngenye ipholisi,” kwexwayisa uLizl.

- Zibekele imigomo Bheka ukuthi wongelani (ukuthenga umuzi / ukukhokhela imfundo / ukushada okusezingeni) nokuthi kuzothatha isikhathi esingakanani. Lokhu kuhlonza uhlobo lokonga oludingayo nobude bakho.

- Zazi Uma ukwazi ukuzikhuza ungeke uthinte lokho okongile uze ufinyelele enjongweni yakho, i-yunithi thrasti iyimpendulo enhle – kunezikhwama ezihlukene zamayunithi thrasti ukuze ukhethe ubungako bengcuphe ofuna ukuyithatha ngokutshala kwakho izimali. Uma ungumuntu othanda ukusebenzisa imali, kodwa, udinga indlela yokutshala imali ukusiza ukuba uziqoqe ngokonga. Bheka imali efakiwe uma kunezimali ezongeziwe uma ukhipha izimali isikhathi singakashayi

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'Iphutha lokuqala nelibizayo elenziwa abantu wukuthinta imali abayongile noma yempesheni ngaphambi kokuhlala phansi noma ukuphela kwesikhathi sokonga. Kusho uLizl. 'Lokhu kuholela emalini eyongeziwe kanti kunciphisa kuphinde kwehlise isikhathi sokonga, okuchaza ukuthi awuyitholi yonke inzuzo.'

Ungalenzi iphutha lokukhansela imishwalense egade ingcuphe (eyempilo, eyokukhubazeka noma owesikhathi esifishane) – kukubeka engcupheni ngakwezezimali.

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