Isifo sokungazethembi sizibonakalisa uma umuntu ezizwa sengathi akafanele ngisho kungathiwa uyayazi into ayenzayo. Nakuba ucwaningo luveza ukuthi oyedwa ebantwini abahlanu kuyamenza lokhu emsebenzini nasesikoleni, kepha abantu abazi ukuthi lesi sifo sidlange kakhulu esimweni sezimali sabantu abaningi.
Njengoba echaza u-Ernest Zamisa, uMeluki wezeziMali waseMomentum, uthi lokhu kwenzeka uma abantu beqala bekholwa wukuthi isimo sabo sezimali asisoze salunga noma uma bekholwa wukuthi “abanalo “ikhanda lemali”. “Isikhathi esiningi bangenwa wumqondo wokuthi izinkinga zabo zakudala ngeke zilungiseke noma ukuthi umkhakha wezimali unzima kakhulu ukuthi bawuqonde. Ngenxa yalokhu, abantu baqale bagweme (izindaba zemali) yabo esikhundleni sokubhekana noma sokuxazulula izinkinga zabo ngqo.”
Wengeza athi lokhu kujwayeleke kakhulu ebantwini besifazane. “Umcabango womuntu wokuthi ndlela thize akufanele ukuthi alungise isimo sakhe sezimali kwenza kube nzima kakhulu ukuthi azithathele izinqumo. Lena cishe yindlela elula yokuthi abantu babhajwe emkhutsheni wokuphila ngokuciciyela nyanga zonke kunokuthi bonge.”
Nokho ngokukaZamisa, sikhona isixazululo sale nselelo. “Singabeluleki bezimali, ukubuza imibuzo ngesimo sezimali zamakhasimende akho kungaba wusizo kakhulu. Singabantu abaqeqeshiwe, siyakwazi ukuthi sihlinzeke ngezeluleko eziphusile zezimali ezizosiza amakhasimende ethu ukuthi athathe izinqumo eziphusile ngemali yazo ukuze ezofeza amaphupho nezinjongo zawo. Noma ngabe ikhasimende lakho izimendlela ziyakhwela emsebenzini noma ngabe lihlelela umhlalaphansi, ukuba nomeluleki wezezimali oqeqeshiwe abangamethemba kuzowenza anqobe ukwesaba ukuba yisehluleki nokungenwa ngamanzi emadolweni.”
Kulabo abanesifo sokungazethembi uma kukhulunywa ngezimali, uZamisa unezeluleko okudingeka ukuthi abeluleki ngezezimali bazibheke zokusiza amakhasimende abo aqede isifo sokungazethembi ngezimali.
– Khuluma. Abantu abaningi babhajwe esimweni sokungazethembi ngezezimali ngoba banamahloni ngesimo sezimali sabo. Noma kunganzima kangakanani, kufanele bakhulume nomeluleki wabo wezezimali ngayo yonke into eyenzeka ngesimo sabo sezimali.
– Funda ukwenza isabelomali bese unamathela kusona. Into emqoka ngokuphatha izimali ngendlela efanele wukufunda ukwenza isabelomali bese usilandela. Kubeluleki bezezimali kumqoka ukweluleka amakhasimende ukuthi ehlukanise imali engenayo phakathi kwezidingo, izifiso, ukonga nokukhokha izikweletu.
– Landela imali oyisebenzisayo, unamathele kulolo hlelo: Ukuvama ukulandela imali oyisebenzisayo kuzokwenza amakhasimende akho akwazi ukukuchazela kahle ukuthi imali yawo iyaphi nokuthi afisa iye kuphi. Lokhu kudinga ukuthi umuntu azijwayeze kodwa kumqoka. Uma usuwazi kahle ukuthi asale namalini, kuzodingeka ukuthi uwasize ngalokho kodwa kudingeka uwafundise ukuthi angaphila kanjani ngemali encane.
– Yiba nesikhwama sezimo eziphuthumayo. Into emqoka wukuqinisekisa ukuthi ikhona imali eyongiwayo uma kukhona imali engenayo nokwazi imali ebanjwa kwi-akhawunti. Kumqoka ukusiza amakhasimende akho ukuthi abe ne-akhawunti yokonga ehlalele ikakhulukazi ukugada izimo nezindleko ezingalindelekile.
Yiba negama elihle lokukweleta. Kufanele uhlale ululeka amakhasimende akho ukuthi ikhadi lesikweletu alisebenzi ngokuqikelela noma asebenzise ikhadi lesikweletu njengekhadi lemali noma ukuqinisekisa alikweletu kakhulu nokuthi isikweletu sikhokhwa nyanga zonke. Ukuthi kuhlale kunemali eningi engasebenzile kuhle ekwakheni igami lokukweleta elihle.
“Uma umuntu esheshe eqala ukusebenza nabantu nokuhlelela ikusasa, makhulu amathuba okuthi bafinyelele enjongweni yezezimali abazibekele yona. Asikabi sibi kakhulu isikhathi sokulungisa izinto, ulungise amaphutha edlule. Abeluleki bezezimali basesimweni esihle kakhulu ukulekelela ngezidingo zezimali zesikhathi esifishane, esimaphakathi nesikude, nokuzihlela ngononina, baphathe izimali ngendlela efanele ukuthi zifezeke. “Ngoba ukuzilungiselela nokuhlelela ikusasa yizindlela ezingcono zokwelapha isifo sokwesaba,” kuphetha yena.