Cwangcisa iimali zakho ngobulumko

UGq Rufaro Mucheka

Unyaka omtsha  lithuba lesiqalo  esitsha, uzibekele iinjongo ezivakalayo, uzibekele iinjongo ezilulutho, ukudala ukuziqhelanisa nezinto ezintsha kwaye  ulungelelanise indlela za kho zangaphambili zokuse benzisa imali ukuqinisekisa ikamva elizizileyo. Iimeko zoqoqosho zowa ma-2020 zibonakala ngathi ziza kuba nobuzaza kunakunyaka wama-2019, kunyanzelekile ke ukuba iimali zakho uzijonge nzulu ngeliso elibukhali.  Ukuzimela ngokwasezimalini yinjongo ebukeka kakhulu, kodwa bambalwa kakhulu abantu abaziyo okokuba baqale phi na. Ukuba neendlela ezi mbalwa ezifanelekileyo zoku phatha imali kuza kukunceda okokuba unyaka wakho omtsha uwulungiselele impumelelo. Ukuze uqinisekise ukuba ufezekisa iinjongo zakho zezezima li, unokuthathela ingqalelo  iinjongo ze-SMART ngekamva eliqinisekileyo lezezimali. Oku kuthetha ukubeka iinjongo ezilolu hlobo lulandelayo:  • Ezizodwa (Specific) • Ezilinganiselekayo  (Measurable)• Ezifezekayo (Achievable)• Ezifaneleyo (Relevant)• Ezinexesha elimiselweyo (Time-bound) Ukongeza, kubalulekile ukuba ucwangcise iimali zakho ngo nonophelo. Nazi ezinye zee ngcebiso ezingakunceda:Zibekele iinjongo zakho zezezimali – Cinga ngoqeqesho lwakho lwezezimali kunyaka wama-2019 wandule ukuzibekela iinjongo ezintsha kulo wama-2020.Wahlawule onke amatyala akho  – Beka nayiphi na iimali eseleyo okanye ngebhonasi nokunyu swa kwemivuzo, cima amatyala ngazo, njengoko ukuhlawula ityala ngokukhawuleza ku ngakusindisa kwinkenkebula yenzala.
Lungelelanisa uhlahlo-lwabiwo mali lwakho ngokweemfuno – Ngo kumana ulandelela indlela ochitha ngayo imali, yenza uhlenga-hlengiso oluyimfuneko kuhlahlo-lwabiwo mali lwakho, nyusa imali oyigcinayo, uze unciphise inkcitho yakho. Ukuba unyuselwa u mvuzo, inxalenye yawo yigcine endaweni yokunyusa indlela oyisebenzisa ngayo.
Hlaziya iipolisi zakho ze-inshorensi  – Hlola ubomi bakho, impilo, ubulwelwe ne-inshorensi yakho yethutyana ukuqinisekisa ukuba iimali zihambelana neemfuno zakho. Thethani ngokukhululekileyo nge mali neqabane lakho  Kukho  umkhutyana wokuba amaqa bane afihlelane imicimbi yezezimali. Yibani neentla nganiso zenyanga nenyanga zokuxoxa ngohlahlo-lwabiwo mali, iinjongo zenu ngemali nento eniyifunayo ninobabini kwilixa elizayo. Thathani ixesha ukwakha umbono ena belana ngawo ngekamva lenu enilifunayo.  Hlisani uhlahlo-lwabiwo mali lwenu lokuzonwabisa  –  Funani izinto zasimahla zokuzonwabisa apha ebumelwaneni ezifana neepaki, amathala eencwadi nezinye izinto eninokuzenza ebumelwaneni. Zininzi iindlela zokuzonwabisa ngaphandle kokuchitha imali.  Iingcebiso zokukunceda una mathele kwisicwangciso sakhoUkunamathela kwisicwangciso sakho sezezimali akusoloko kulula, kodwa yiba nezi njongo zilandelayo:
• Jonga rhoqo ii-akhawunti zakho zebhanki – hlola  indlela ochitha ngayo imali. • Zilungiselele izinto ezino kubuyisela umva.• Lityeshele ityala onga licwangciselanga. • Thenga izinto ezifanelekileyo. Zibuze: Ingaba nyani ndiyayidinga le nto? Ingaba le nto yinxalenye yesicwa ngciso sam sezezimali? • Dibana nomcebisi wezezimali ukuba awuyazi ukuba  ungaqala phi.  
UGq Rufaro Mucheka (PhD) nguMcwangcisi wezeziMali oMiselweyo nokwayiNtloko yeStrategy and Rest Of Africa kwiCandelo loCwangcizo-zimali eNedbank.

