Inkululeko yezomnotho: Idayiselwa bani imali?
KUJWAYELEKILE ukuthi uma umuntu ecabanga ngendlela yokwenza imali ucabanga umkhiqizo azowenza ukuze abantu bawuthenge bese eba nemali. Akujwayelekile ukuthi umcabango siwuqale ekutheni kwayona imali ingaba wumkhiqizo wakho. Phela imali iyintandokazi. Amukho umuntu ongathi uma umbuza athi kuwe akayithandi imali. Imali phela yilona uphawu olubonakalayo lomnotho. Uma ufika kumuntu umxoxela ngokuthi uzoyenza kanjani imali kucija izindlebe efuna indlela naye azonotha ngayo. Abantu bayayikhokha imali bekhokhela ukuyolalela ukuthi bangayenza kanjani imali. Uma ubhekisisa kuyacaca ukuthi umuntu angayithenga imali uma eyithola idayiswa, futhi sekukaningi uzwa ukuthi umuntu ungene ogibeni olucushiwe ngoba ezama ukuthenga imali eningi. Imali idinga amasu aphusile futhi ahlelekile.
Amanye alamasu thina boHlanga sinawo kodwa isikhathi esiningi asiwasebenzisi ngokuphelele, futhi asilufunisisi ulwazi olwenele lokuzikhulisa. Elinye lalawomasu yisitokofela. Siyaye sithi sidlala isitokofela, uma sisasibiza ngomdlalo asikafiki ezingeni lokuthi sizinze emnothweni. Umqondo womuntu wakha isithombe somdlalo. Umdlalo unqunyelwa isikhathi sokuqala nokuphela. Imvamisa yezitokofela ziqala ekuqaleni konyaka ziphele ekupheleni konyaka, ziphinde ziqale ngonyaka olandelayo. Uma umuntu ekwaze ukuqeda unyaka edlale kahle uyaye ajabule. Imali eyenziwa ngokuhlanganyela yehlukaniswa ekupheleni konyaka kungasali lutho, kuphindwe kuqalwe phansi ngonyaka olandelayo. Ngamanye amazwi imigomo eminingi yaboHlanga yokwenza imali inqunyelwa isikhathi esifushane. Abamabhange bayazi ukuthi banabantu asebethembele kubo ukuthi bazobabekela imali yabo isikhashana esifushane njalo ngonyaka. Nabanikazi bezitolo sebeyazi ukuthi bazodla kahle uma abanikazi besitokfela sebehlukanisile emdlalweni wabo.
Angazi noma uke uzibuze yini ukuthi ingabe ngubani umnikazi webhange. Sikhule sazi ukuthi imali igcinwa ebhange ukuze ivikeleke futhi yongeke. Siyaye sibone ukuthi uma kudingeka imali umuntu ethi uzokuya koyikhipha ebhange. Ngiyazi ukuthi izifiso azipheli. Kuyinto abanye bethu abahlale beyifisa ukuthi babe yingxenye yebhange elithile. Namabhange ayibhizinisi. Kungenzeka abaningi bethu bakhohlwe yilokhu, abanye bangaze bacabange ukuthi liyingxenye kaHulumeni. Phela imvamisa uma sibuka ukusebenza kwebhange kulula ukuthi sicabange uHulumeni ngoba lisebenza ngendlela ehleliwe futhi engaguquki njalo. Ukusebenza kwebhange kulawulwa yimithetho kaHulumeni eyenza isiqiniseko sokuthi akusetshenzwa ngobugebengu, futhi abantu baphethwe ngendlela efanayo. Amabhange noma ehlukene ngamagama kodwa enza umsebenzi ofanayo wokugcina imali nokuyibolekisa.
Abaphathi nabanikazi bebhange abathokoziswa nje wukuthi kunabantu ababeka imali ebhange. Into ebaphatha kahle wubukhona kwabantu abakweletayo nababoleka imali. Kulezinsuku bengibuka isitatimende somunye umngane wami, lapho ibhange limbalela imali okumele ayikhokhe ngenyanga ukuze kwehle isikweletu esibalelwa kwizinkulungwane ezingamashumi amathathu. Uma ekhokha inkulungwane ngenyanga kungamthatha iminyaka emibili nohafu ukuqeda lesikweletu. Kodwa ngenxa yokuthi kunemali eyinzalo kugcina kungene enye imali enkulu inyanga nenyanga.
Kulesitatimende kwakubhalwe ukuthi kumele akhokhe imali ebalelwa kuzinkulungwane ezimbili ngenyanga. Lezinkulungwane ezimbili kukhona izimali ezinconzulwe kaningi eziyinzalo yebhange. Kunemali efunwa yibhange ngokumboleka imali; kube nemali yokugcina isikweletu sihlale sikhona okumele ikhokhwe inyanga nenyanga; kube nemali engehlulekayo ukuyichaza ngoba icishe ifane nalezi ezimbili esengizibalile; bese kuba nemali yokungakhokhi ngesikhathi esifanele. Kunemali efakwa yibhange yomshuwalense okuthiwa uvikela lesikweletu, kuthiwa uma ugcina wehluleka wukukhokha kuyothathwa kuyona.
Uma sesiyibala lemali azoyikhokha ibe ingasehlisi isikweletu iyayihlanganisa inkulungwane. Lokhu kusho ukuthi kulezinkulungwane ezimbili yinye kuphela inkulungwane eyehlisa isikweletu. Lokhu-ke kusho ukuthi ekupheleni kwezinyanga ezingamashumi amathathu uyokube engakasiqedi isikweletu. Uma ubhekisisa kuloluhlelo kunezindlela ezenziwe zaba semthethweni zokuba ukhokhe ungaqedi.
Ngiyacabanga ukuthi abantu abasungula uhlelo lokubolekisa ngemali balwenza ucwaningo lokuthi abantu bakuthanda kangakanani ukusebenzisa into abangenayo. Ngobani abanikazi bamabhange? Uma ungase ungikhombise owoHlanga ongumnikazi webhange ngingajabula kakhulu.
- UMnu uLindani Dhlomo unguMqondisi kwaMind Tunes (Pty) Ltd. Ungaxhumana naye ngezikhathi zonke ku- lindani@mindtunes.co.za
