Imali yami

Ukonga kusho ukubeka imali eceleni ngokuphepha okwesikhashana (isibonelo, ku-akhawunti yasebhange). Ukutshala imali kumayelana nokusebenzisa imali ukuze ikhule ngokuhamba kwesikhathi — ngokuvamile kunobungozi obukhulu, kodwa futhi nethuba lokuthola imbuyiselo enkulu

• Ukulondoloza = ukuphepha + ukufinyelela kalula. Kulungele izimo eziphuthumayo.
• Ukutshala = ukukhula + ukubekezela. Kungele okuphokophelwe esikhathini eside njengemfundo noma umhlalaphansi.

Icebo: Qala ngokuxuba — gcina njalo isikhwama sokonga sezimo eziphuthumayo bese ucabanga ngokutshala imali ongakwazi ukukukhokhela ukuze ukhule.

Isheya liyingxenye yobunikazi enkampanini. Uma ungumnikazi wamasheya, ungumnikazi wengxenye yalelo bhizinisi.

• Lapho inkampani yenza inzuzo, ingase ikhokhe izinzuzo ezivela kumasheya — ingxenye yalezo zinzuzo — kubaninimasheya bayo.
• Amasheya nawo angathengiswa: uma inani lamasheya likhuphuka, ungase wenze inzuzo. Uma ehla, ungase ulahlekelwe inani.

Amasheya e-Thusano Trust anikeze abahlomuli kokubili: izinzuzo phakathi neminyaka engu-15 futhi manje, ekunikezeni ngokusemthethweni, ithuba lokudayisa noma lokudlulisa amasheya abo.

Imikhuba emihle yemali yakha ukuzinza:

• Isabelomali: Bhala phansi imali oyitholayo nezindleko zakho — yazi ukuthi imali yakho iya kuphi.
• Gwema izingibe zesikweletu: Qaphela imalimboleko enenzalo ephezulu kanye nensiza yokuthenga ngesikweletu yesitolo.
• Londoloza imali njalo: Ngisho namanani amancane ayanda ngokuhamba kwesikhathi.
• Hlela kusephambilini: Gcina imali eceleni ngokuphathelene nokukhokhela imali yessikole, izimo eziphuthumayo, noma umhlalaphansi.
• Vikela lokho onakho: Qiniseka ukuthi imininingwane yakho yasebhange iphephile futhi uqaphele imikhonyovu yokuqolwa.

Amagama aphathelene nezezimali angakudida. Nasi isiqondiso esisheshayo:

• Umhlomuli — umuntu othola umhlomulo esiKhwameni seMali Eisiwe.
• Inzuzo evela kumasheya — inkokhelo eyimali evela ezinzuzweni zenkampani eya kubaninimasheya.
• Umthengisi (Broker) — uchwepheshe onelayisensi okusiza ukuthi uthenge, uthengise, noma ugcine amasheya.
• Ukunikeza ngokusemthethweni — lapho amasheya akho uwanikezwa ngokusemthethweni ngemva kwesikhathi sokulinda.
• Isiqondiso sentela — isiqondiso esivela ku-SARS sokuthi ingakanani intela okufanele idonswe kokukhokhelwayo.
• Ukuzikhethela okuzenzakalelayo — kwenzekani ngokuzenzakalelayo uma ungenzi ukukhetha (kwe-Thusano Trust: amasheya ayathengiswa bese kukhokhwa imali engukheshi).

I-Thusano Trust yasungulwa ukuze inikeze abantu baseNingizimu Afrika Abancishwa Amathuba Ngokomlando ingxenye yobunikazi ngqo ezinkampanini zezimayini. Lokhu kuyingxenye ye-Black Economic Empowerment (BEE), uhlelo lukazwelonke lokulungisa ukungalingani okudlule nokuqinisekisa ukuthi abantu abaningi bayazuza ezinsizeni zaseNingizimu Afrika.

Ngokuba namasheya, abahlomulayo banalokhu okulandelayo:

• Bathole izinzuzo evela kumasheya phakathi nenkathi yesiKhwama seMali Esisiwe.
• Bathole amalungelo okuvota njengabaninimasheya.
• Manje, banethuba lokudayisa noma ukugcina amasheya abo ngemva kokunikezwa ngokusemthethweni.

Lokhu akukhona nje kuphela ngenzuzo yomuntu uqobo — kuyingxenye yokwakha umnotho ongabandlululi futhi onobulungiswa.