Amasu okonga imali zibekwa amadaka ngoMasingana
ISouth African Savings Institute (SASI) ikhuthaza abantu ukuthi bathole enye imali engenayo futhi bakhulise amandla abo okonga kulo nyaka. Le nhlangano ihlinzeka ngamasu angasetshenziswa ngoMasingana, ukusiza ukuthuthukisa inhlalakahle yezezimali ngonyaka ozayo.
Abantu baseNingizimu Afrika bawele ezikhathini eziyinselelo kule minyaka emibili edlule, phakathi nobhubhane lwokhuvethe. Ngowezi-2021, amabhizinisi ashiswa futhi alimala, imfuyo yebiwa futhi kwalahleka nempilo yabantu. Lokhu kwakungelinye futhi igalelo kwabaningi abacindezelekile ngokwezimali.
Manje, ngenxa yokukhathazeka kukaMasingana ngemva kwayo yonke imali esetshenziswayo ngesikhathi samaholide, iSouth African Savings Institute ithi, ukuhlela kahle kwezezimali manje kungasho ukucindezelwa okuncane onyakeni ozayo.
Ibamba leSikhulu Esiphezulu sakwaSASI, uGerald Mwandiambia, lithi njengoba izinga lokugqugquzela liphezulu ngoMasingana, yisikhathi esihle sokusungula uhlelo lokonga lonyaka. “Isu elihle kakhulu lokonga ngempela ukuba nohlelo lwezezimali noma umgomo. UMasingana yithuba elihle lokuthi uzibekele leyo migomo yonyaka ozayo. Lokhu kubandakanya, ukuthi uzosiphatha kanjani isabelomali sakho kanye nemigomo ethile yokonga yonyaka ozayo. Umuntu ngamunye unomnotho wakhe siqu nokuthi izinhloso zakho nendlela yakho yokuphila kuqondene nawe uqobo.
UMundiambia uthi ukuziphatha kahle kuyinsika yesiko lokonga elinempilo. Ngokuvula amaStop Order kanye nokujoyina isitokofela kuzoba yinto yazinyanga zonke okudingeka umelene nayo. Uchaza izindlela ezisebenza kahle kakhulu zokuhlangabezana nezibopho zakho zezezimali futhi wonge ngesikhathi esifanayo.
“Ukuze wonge udinga ukuzidela, ukuzinikela kanye nokuziphatha. Ukuzinikela ekongeni imali ongayenza ngayo enye into. Ukuzibophezela mayelana nokuba nohlelo. Udinga ukuzama futhi ulondoloze usebenzisa umazibambele. Lokho kuyasiza ngesiyalo. Lokhu kusetha amaStop Order, ngakho imali iya ezindaweni ezifanele. Into ebaluleke kakhulu isitokfela. Lokhu kusiza ngokuziphatha kanjalo neqembu likuphoqa ukuthi uthobele futhi ubambelele kumazinga athile.”
Yileso sikhathi sonyaka lapho imindeni ibhekene nezindleko ezinkulu zonyaka abaningi abangazilungiselelanga. Lokhu kubalwa imali yesikole kanye nomfaniswano.
UMwandiambia ukhuthaza abantu baseNingizimu Afrika ukuthi baninge kabanzi futhi benze unyaka wezi-2022 kube unyaka lapho benyusa khona imali yabo yokonga ngemali eyengeziwe.
“Iningi lethu lisebenza amahora angu-8 kodwa emuva kwalawo angu-8, lishiya amahora angu-16 ukwenza okunye. Kubaluleke kakhulu ukuba neholo lesibili noma lemfundo ephakeme futhi ubheke ukuthi ungalenza kanjani lelo R100 elengeziwe ngesonto. Ekugcineni, uma uyinyakazisa – igcina iyimali yangempela. Abantu baseNingizimu Afrika bagcina ngokuhola iholo kodwa ungakwazi ukukhulisa amathuba akho okuzuza. Ngakho-ke ngithi, yenza owezi-2022 unyaka lapho uthola leyo mali eyengeziwe ukukusiza wonge. ”
Isitokofela yindlela yokonga
Akukona konke ukubhubha nosizi, futhi ubuhlakani buyazuzwa. USurie Govender oneminyaka engama-60 waseVerulam KwaZulu-Natal uqale uhlelo olusha lwesitokofela ngoLwezi nyakenye, ngaphambi kokuthi kufike isikhathi sokuphithizela kwaZibandlela.
Sekuphele iminyaka engamashumi amabili eqhuba umsebenzi wesitokofela sabesifazane emndenini nakubangane endaweni yangakubo.
Uthi, eminyakeni edlule abesifazane bathole ukuzimela ngokwezimali ngohlelo lokonga.
“Bathanda isigaxa enye yemali abangayisebenzisa ukwenza okuthile endlini. Abanye babo bathi, bafuna ukuthenga ukheshi we-TV – uma bethenga esitolo, bazokhokha inzalo. Lapha, uthatha isigaxa futhi akukho nzalo. Awunakho ukukhetha, awukwazi ukusebenzisa imali kwenye into, imali kufanele ikhokhwe. Lokhu okonga ngoba ukhokha ngakho nyanga zonke. Engikwenzile, indlu yokugezela, ikhishi, indlu yethu yangaphandle, ishawa.”
Ngonyaka wezimali ozayo, iseluleko sochwepheshe siwukwenza ukonga kube yinto ehamba phambili. Ukuhlola kabusha imikhuba yokumosha imali, ukuqapha ukusetshenziswa kukagesi namanzi kanye nokukhokha isikweletu ngokushesha ngamanye amasu okonga imali okufanele asetshenziswe kulo nyaka.
