Imfundo yezemali ayibalulekanga kuphela kwabo baziqeshileyo, oosomashishini kunye neengcali. Ulwazi lolawulo lwemali, ukonga notyalo-mali lukwabalulekile kwiintsapho. Zininzi izigqibo onokuthi uzithathe kubo bonke ubomi bakho, apho imali ikhona ngandlel’ ithile: ukuthenga okanye ukurenta indlu, ukutyala imali kumbono weshishini, ukwenza imali yokonga okanye yokuquleka, ukucwangcisa iiholide ezilandelayo…
Inqanaba lokuchaneka kwesigqibo landa xa umntu enesiseko esiqinileyo kwimfundo yakhe yezemali. Nawuphi na umxhasi unokubonisana neengcebiso zengcali kwintsimi.
Kutheni imfundo yezemali ibaluleke kangaka?
Nangona kunjalo, isifundo sinezibonelelo kunye nezakhono zaso ukuba besiqeqeshwe ngaphambili kule nkalo. Ngale ndlela, iziqinisekiso ziyanda kwaye amathandabuzo ayancitshiswa. Lulwazi olukwimfuno ephezulu, ke ngoko, iikhosi zezemali zikwacwangciselwe abantu abangengabo abezemali. Iindibano zocweyo ezisebenza ngezandla ezijolise kubafundi abangezongcali kweli candelo kodwa bafuna ukuqonda iziseko. Inkqubo yokufunda malunga nokulawula imali ihlala ihlala njalo kubo bonke ubomi kwaye inokuqala ebuntwaneni.
Imfundo yezemali inikezela ngezixhobo eziphambili zokufezekisa iinjongo ezifanelekileyo zomntu kunye nezobuchwephesha. Umzekelo, ukonga isixa semali ukuze ube nengxowa-mali yongxamiseko kunye neyemeko enokwenzeka yokuhlawula iindleko zexesha elizayo. Ukulungiselela ixesha lokuthatha umhlala-phantsi akunakugxininisa kuphela inqanaba leemvakalelo okanye lobuqu. Oku kunjalo xa umlingiswa oyintloko ebonisa izicwangciso angathanda ukuzenza emva kokugqiba ubomi bakhe bokusebenza. Ukulungiselela okunjalo kukwabandakanya imbono yezoqoqosho neyezinto eziphathekayo. Kwaye imfundo yezemali ingundoqo ekuphuhliseni isicwangciso sokusebenza esinokwenyani.
Ziziphi iingenelo zemfundo yezemali?
Okokuqala, ikhulisa ingqiqo yobulumko ngokumalunga nomngcipheko. Zonke izenzo ezinxulumene nolawulo lwemali zineziphumo. Inyani ebonakala kwimizekelo elula kakhulu. Inkcitho egqithisileyo yeKrisimesi inyusa iindleko zikaJanuwari kwaye iyanqanda lo ndolozo ekupheleni konyaka. Ngemfundo yezemali unokudibanisa izigqibo ezikhoyo kunye nezinye iinjongo ezinokuthi, ngenxa yesizathu esithile, ufuna ukufezekisa kwixesha elifutshane, eliphakathi okanye elide. Ezo njongo zikunika umkhombandlela wokuziqhelanisa nomsebenzi wakho wemihla ngemihla. Ngoko ke, unokulungelelanisa izigqibo zakho kunye nolo lindelo.
Ukungaqiniseki ngekamva okukhoyo namhlanje kukwabonakala nakwinqanaba lezoqoqosho. Ukungaqiniseki kuyayiqinisa inkuthazo yokonga, naxa izibonakalisa njengomngeni onzima. Kwaye ukugcina imali ethile kuyimfuneko ukwenza ulawulo olululo lohlahlo lwabiwo-mali iyafumaneka.
Kukho iindleko ezimiselweyo neziguquguqukayo umbandela ojongana nawo nyanga nganye. Kukwakho neendleko eziphambili kunye nezinye ezingabalulekanga kangako. Ukuba umntu ufuna ukwandisa ukonga, banokugxininisa olu hlobo lwetyala.
Ukufumana inkululeko yezemali liphupha labantu abaninzi. Inkululeko ebonisa imeko yomntu ongenamqathango okanye ongakhathaliyo ngemicimbi yezemali. Imfundo yezemali ingundoqo ekuhambeni kwicala laloo mbono.
Kwinqanaba lokugqibela lonyaka okanye ekutshintsheni kweqonga, kuqhelekile ukujonga iinkalo ezahlukeneyo zobomi. Phakathi kwazo, ulawulo lwezemali. Ngenxa yesi sizathu, imfundo yezemali ibonelela ngezixhobo ezibalulekileyo zokubeka impumelelo, iimpazamo, amandla kunye nobuthathaka.