Hlela Izimali Zakho Ngobuhlakani 

Izimo zomnotho zonyaka wezi-2020 zibukeka zizoba nzima ukwedlula ezowezi -2019, ngakho-ke kubalulekile ukuthi ubheke ngeso lokhozi futhi ucubungule isimo sakho sezimali. Ukuthola inkululeko  kwezezimali kuyiphupho noma ubani angalifisa, kodwa-ke bayingcosana abantu abanolwazi ukuthi bangaqala kuphi. Ukwenza imikhutshana emihle yezezimali kuzokusiza ukuhlelela unyaka wakho omusha ube impumelelo.Ukuqinisekisa ukuthi uyazifeza izifiso zakho zezimali, ungasebenzisa indlela yokufeza izifiso nebizwa nge-SMART ukuze uqinisekise izinga olifisayo kwezezimali. Lokhu kuchaza ukuthi uhlela  izifiso zakho ngendlela yokuthi:
• Ziqonde ngqo (Specific)• Ziyalinganiseka (Measurable)• Ziyafezeka (Achievable)• Zifanelekile (Relevant)• Zingafezeka ngesikhathi (Time -bound)Ukwengeza kulokhu, kuba-lulekile ukuthi uhlele izimali zakho ngokucophelela.  Nawa amanye amacebo angakusiza kakhulu ekuhleleni:Hlela izifiso zakho zezimali,  Buyekeza indlela obuphatha ngayo imali onyakeni wezi-2019 bese uhlela izifiso ezintsha  zonyaka wezi-2020.
Khokha zonke izikweletu zakho  Qongelela imali esalayo noma amabhonasi nale ekukhushulwe ngayo umholo ukuze uyisebenzise ekunciphiseni izikweletu, lokhu kukhokha izikweletu zakho ngokushesha kungasiza ukuthi wonge ekukhokheni inzalo.
Shintsha ibhajethi yakho ngo kufanele  Uma ubheka indlela osebenzisa ngayo imali, yenza izinguquko ezinesidingo ebhajethini yakho, khuphula imali oyongayo bese wehlisa imali oyisebenzisayo. Uma ukhushulelwe umholo, thatha enye ima-li uyonge ukunokuthi wandise izindleko zempilo.
Buyekeza imishwalense yakho – Hlolisisa impilo yakho, ezempilo, ukukhubazeka kanye nemishwalense yesikhashana ukuqinisekisa ukuthi  imali iya-hambisana nezidingo zakho. Khuluma ukhululeke nalowo ozwana naye mayelana nemali Kunomkhuba omubi ovamile kubantu  abashadile wokufi-hlelana izindaba zezimali. Ku-mele nihlangane nyangazonke nikhulume ngebhajethi, izifiso zenu zezimali kanye nalokho enikufisayo nobabili ngekusasa lenu. Zinikeni isikhathi ukuba nabelane ngombono wekusasa wokuthi ikusasa nindawonye nifuna libe njani.  Yehlisa ibhajethi ehlelelwe ukuzijabu lisaThola indlela yokuzijabu-lisa ngaphandle kokukhokha imali, njengamapaki, imitapo yolwazi kanye nezinto onga-zenza endaweni yangakini. Ziningi kakhulu izindlela zokuzijabulisa ngaphandle kokukhokha imali.
Nawa amathiphu azokusiza ukuhlala ohlelweni lwakhoUkubambelela ngqi kumklamo wakho wezezimali akusiyo into elula, kodwa yiba nenhloso yokuthi:
• Qikelela ukuthi uyayihlola imali yakho njalo esebhange – zihlole ukuthi uyisebenzisa kanjani imali.• Zilungiselele izikhathi ezizokubuyisela emuva.• Hlukana nezikweletu ezingahlelelwe.• Thenga ngobuhlakani. Zibuze ukuthi: Ngakube lokhu ngiyakudinga na? Ngakube lokhu kuyi ngxenye yohlelo lwami lwezimali na? • Hlangana nomeluleki wezezimali uma ungazi ukuthi uqale kuphi.
U-Dkt. u-Rufaro Mucheka (PhD) onguMhleli wezeziMali Osemthethweni noYinhloko ye-Strategy and Rest Of Africa esikhungweni sezimali sakwa-Nedbank.

