Asisebenzisane Ukulungisa Ubujamo Beemali Zethu 

 Amanani ethule ngawo lesisabelo seemali enza kukhanye kuhle ukuthi nasingahlumbukusikima khona nje sitjhugulule izi nto, sisazokudosa emhlwe ni khudlwana ngeenkhathi ezizako.
Ngamagama alula, si sebenzisa imali ene ngi khulu kunemali esi yirholako namkha esinayo.
 Ngenca yalokhu-ke, sanda ngokugalima imali, ngoku njalo-ke neendleko zokubu yisela isikolodweso nazo zi yakhuphuka. Eqinisweni, iindl eko zokubuyisela iinkolodo muva nje seziziindleko ezikhu phuka ngebelo ukudlula zoke iindlela zokusebenzisa imali.
Sisebenzisa imali enengi uku bhadela iinkolodo kunemali esiyisebenzisela itjhejo lezepilo.
Zefundo nezokuthuthu kiswa komphakathi ngi yo kwaphela imikhakha ethola imali eyaneleko.
 Manje-ke lobubujamo bezinto obunje buyingozi begodu an geze bubambelele ukuyokufi kaphi.
Kufuze senze amatjhugu luko abonakalako begodu kufuze siwenze khona nje.Zimbadlwana izinto ezenze ukuthi sigcine sifike kilobu bujamo bomnotho esikibo njenganje.
Umnotho wekhethu akhange uhlume ukuyaphi etjhumini leminyaka edlulileko, khulu khulu ngenca yomtjhono wephasi loke womnyaka wee2008 kunye nangenca yokwe hla kokufuneka kwamami nerali esiwathengisela ama zwe wangaphandle. Ngenca yalokho, ukubuthelelwa kwengeniso akhange kube namandla ngalokho-ke kwa ba nesidingo sokuthi sandise  imali esiyigalimako koba nyana sizokukghona uku sekela imali esiyisebenzisela ituthuko, umthangalasisekelo kunye nemirholo. Khonapho, ukuthunjwa kombuso nobu khohlakali kulithikazisile ihlelo lokuphatha ngesandla esihle, nokuphumelelisa imisebenzi eyenziwako kunye nokusi melela kweemali eenjamisweni zombuso ezimbadlwana, ekubalwa hlangana nazo nama Bhizinisi womBuso (ama-SOE).
Imizamo ebeyisenziwa emi nyakeni emibili edlulileko le ukuvuselela umnotho neenja miso igcine yenganywa miraro yegezi, ngaleyindlela ukuhlu ma kwaridilisa ukuhluma komnotho, kwabe kwadisibeza isikhwama seemali zombuso.  Amaqalontanzi wethu kile sisabelo seemali kubuyisela umnotho endleleni yawo yokuhluma, kuphungulwe imali esetjenziselwa zombuso bekunzinziswe neenkolodo zethu.
Isabelo seemali siyi ngcenye yehlelo lethu loku hlumisa umnotho oqalelela umuntu woke, ukuvulwa kwemisebenzi, amasiso kunye nombuso ophumelelako.  Sikhethe ngabomu uku ngakhambi indlela yokubopha ibhande. Leyondlela beyizo yigawula khulu imali esetje nziselwa izenzelwa zomphakathi ezingezabantu abadosa emhlweni nabathe mbele kizo. Beyingaphungula imirholo yabasebenzi bembusweni ngemali esabekako, iphungule izenzelwa zo mphakathi ezethulwa mbu so, igawule amabhonasi nepentjheni, iphakamise imithelo beyenze noku thi kuthengiswe ipahla yombuso eyisika yombuso.
  Isabelo seemali sokubo phisa ibhande besingabu lala amathuba wokuhluma komnotho ukuya phambili besehlise namandla wombu so wokuhlumisa umnotho besanelise iindingo zabantu.
  Endaweni yokubophisa ibhande, sethule isabelo seemali esiphethe amagadan -go ahleleke kuhle kobanyana azokulawula ukusetjenziswa kweemali, kukhutjhulwe inge niso bekukhuthazwe ukuhluma.
 Eminyakeni emithathu ezako le, silindele ukulonda imali elinganiselwa kumabhiliyoni ama-R261 ngokuphungula isabelo seemali seminyango  embadlwana bekwehliswe nesilinganiso ekukhutjhulwa ngaso umrholo wabasebenzi beembusweni.  Nokhoke ngakelinye ihlangothi, ku zakufuneka sandise imali esiyisebenzisako ukusekela ukuhlelwa ngobutjha kwa ma-SOE anjenge-Eskom neSouth African Airways. Ngenca yalokhuke, silindele ukuthi sehlise imali esetjenziswako emabhiliyoni ali-R156 ekuse tjenzisweni kwemali ngapha ndle kwemalinzalo ngesikhathi esilingeneko.
Lokhu kuzakusiza  ekunciphiseni itlhaye lo bekwehlise iindingo zethu zokugalima imali.

Ingcenye ekulu yemali elondiweko izakuvela eku phunguleni izinga umrholo wethu okhutjhulwa ngalo.
Izakufuna imikhulumiswano enzinzileko kibo boke ababe lani bemphakathini, kodwana khulu khulu kumayuniyoni wabasebenzi bembusweni.  Imikhulumiswano le ifuna ukubanjwa ngommoya woku funa iinsombululo. Ngithokoza khulu ukuzimisela kwazo zoke iinqhema ukungena emikhu lumiswaneni etjhubileko en qophe ukuthola isisombululo. Indlela yethu ayisikuphu ngula abasebenzi bembusweni ngenani eliphezulu khulu, kod wana kuphenya ngokuthi im irholo iphakama kangangani.
Ngokwesilinganiso esididiye lweko, imirholo yabasebe nzi bembusweni ikhuphuka ukudlula intengotjhuguluko eminyakeni eminengi, begodu kufuze sikulungise lokhu na sizakukghona ukulawula iimali zombuso. Lokhu-ke kusebenza ngitjho neemalini zomunye nomunye umuntu ngesiyena, la nayibe kuba nento esetje nziselwa imali edlula isilinga niso sokukhuphuka kwen tengotjhuguluko – kungaba yintengo yegezi, iidleko zedata namkha zokuthengwa kokugo ma – kuzakuhlala soke isikhathi kubeka isabelo seemali somu ntu ngamunye neendaba zakhe zeemali ebudisini obukhulu.
 Ngokweenlinganiso zom notho, isikhwama somrholo wabasebenzi bembusweni solo sisese ngesikhupha imali enengi khulu emno thweni. Ukukhuphu ka komrholo sekuthome ukuminyezelanisa ukuse tjenzwa kwemali emahle lweni wokunzinzisela uku hluma kwangomuso nama ayithemu aqakathekileko eku phunyelelisweni kwezenzelwa.

 Umrholo weensebenzi  zembusweni akusikuphela kwesikhwama lapho siphu ngula khona iindleko. Ngi thethe isiqunto sokuthi nonyaka
 abazukukhut jhulelwa umrholo abaphathi beenkhundla eziphakemeko bembusweni. Lokhuke kuza ngemva kobana kuphungulwe iinzuzo eziyipakana ekhambisa na nomrholo okulawulwa ma tjhuguluko enziwe eNcwajaneni eyiKombandlela yeeNzuzo zaboNgqongqotjhe (i -Minis terial Handbook). Nonyaka nje sizokumemezela umthetho omutjha ozakwendlala isili nganiso somrholo eenjamisweni zombuso neenkampanini ezin gaphasi kombuso, ukukhandela ukubhadela amalunga webhodi newesigungu ngokweqileko. Abadosiphambili bamayuni yoni bakhuluma iqiniso nabathi kumele sitjengise ukuzimisela emsebenzini wokukhandela ukufahla kweemali zombuso ngokulwa nobukhohlakali, nangokuqeda ukusetjenziswa kweemali ngendlela engakalu ngi, enganamvuzo nangokudla la ngemali.  Sizakulungisa lokhu nokhunye okunengi. Njengoba ukugawula umrho lo wabasebenzi be-mbusweni kuqakatheke kangaka nje ekun zinziseni iimali zembusweni, ukwenza ikoro yembusweni ise benze ngcono kukatelelekile, na sifuna ukwakha umbuso okgho na ngcono, nophumelela ngcono.
Sifuna bande abantu abalungele iinkhundla ezibalungeleko.Njengoba silawula ukuse tjenziswa kweemali zombuso n je, silandelele ukuhluma. Kungen ca yalokhu-ke ukuthi nanyana umbuso unesikolodo esingaka kilomnyaka weemali, singa khange siwukhuphule kangako umthelo wezakhamuzi. Kuno banyana ukhwele, bakhona abantu abazakuphungulelwa umthelo, ngahlanye kuthe thwe amagadango amba dlwana wokungezelela amaziko azakubhadela umthelo. Sitjho tjholozela phambili ngamatjhu guluko azakuba nemiphumela  enzinzileko, njengokutholaka la kwegezi nje, iinteyitjhi zemikhumbi, isiporo, kunye nakezethintaniswanoliqha ngomnqopho wokuphungula iindleko zokuraga ibhinizinisi.  NgesiKhwama sezomThanga lasisekelo sinqophe uku khwezelela ukusekelwa ngeemali ngemithombo yamandla embadlwana yoku sisisa ehlelweni elikhulu kazi lokwakha. Ngeqhi nga lethu lezamabubu lo nejima lethu lamasiso  sitjhaphulula iindawo ezi qakatheke khulu zokuhlumisa.  Silungisa ubujamo beemali zethu zombuso kobanyana sizokuphumelelisa ihlelo loku hluma eliqalelela umuntu woke nelivula imisebenzi. Iinkhathi ezinjengalezi zifuna ukuthi sithathe izinto ngobunjalo bazo, singakhunyalali.
Iinkhathezi ngezifuna kuse tjenziswane, hayi kuraranwe.
Kuzakufuneka bona sikhethe kuhle izinto ezimaqalontangi.

  Lo, kumthwalo wethu sokebegodu sithwele  umsebenzi munye osibopho sokuhlenga ilizwe lekhethweli kilobu bujamo obumasikizi kezomnotho.