NJENGOBA kuqala unyaka sibaningi esifuna ukuqeda izikweletu esinazo kodwa asinalo iqhinga lokuthi sizoziqeda kanjani. Abanye bethu bacabanga ukuthi kudingeka isamba semali kodwa umeluleki wezikweletu nabophiko olubhekele ezabathengi ebhange i-Absa bathe kudingeka uhlelo olucacile lokukhokhela izikweletu kancane kancane.
Bakhiphe la masu alandelayo.
Balinganise ngomuntu onesikweletu sika-R50 000 ukuthi uyakwazi ukusiqeda kungakapheli izinyanga ezingu-18 uma usebenzisa kahle u-R1000 asuke esele nawo.
Wenze isibonelo sokuthi uma ukweleta u-R3000 esitolo sefenisha, ngenyanga ukhokha uR300.
Ukweleta uR7000 esitolo sezimpahla ube ukhokha uR500 ngenyanga.
Ube nesikweletu sikaR10 000 kwi-personal loan ukhokhe u-R650 ngenyanga
Isikweletu sikaR30 000 kwi-credit card osikhokhela u-R2 500 ngenyanga.
-Kungangcono ukuthi uqale ukhokhele isikweletu esincane kuqala, usiqede kunokuthi uzame ukunyusa imali oyikhokha kuzo zonke izikweletu.
Babalule ukuthi uma unyusa imali oyikhokha esikweletini sokuqala ngo-R1000 uzoshesha usiqede bese usebenzisa imali obuyikweleta kuso ukukhokha ezilandelayo.
Bathe ngoJanuwari ungakhokha uR1 300 esikweletini sakho se-akhawunti yefenisha sika-R3000 okusho ukuthi uzobe ususiqedile ngoMashi nonyaka.
Ngo-Ephreli uthathe lo-R1 300 osusele nawo ukukhokhela isikweletu sakho sezimpahla okusho ukuthi usuzokhoha u-R1 800 ngenyanga. Lesi sikweletu uzobe ususiqedile ngoJulayi.
-Ngo-Agasti thatha uR1 800 obuwukhokhela i-akhawunti yezimpahla ukukhokhela i-personal loan okusho ukuthi usuzokhokha * -R2 450 ngenyanga, ngoNovemba uzobe usuqedile ukuyikhokhela.
Kuzothi ngoDisemba uthathe uR2 500 obuwukhokha kwi-personal loan ukhokhela i-credit card, okusho ukuthi usuzokhokha * -R4 950 ngenyanga lesi sikweletu sizophela ngoJuni ka-2019.
Akukho lapho abakwa-Absa bethi kufanele uyeke ukukhokhela izikweletu zakho kodwa bathi qala ngokwandisa imali oyikhokha esikweletini esincane, ngesikhathi ukhokha imali ethe xaxa esikweletini esincane uzobe uqhubeka nokukhokha imali oyikhokha nyanga zonke kwezinye izikweletu zakho.
Kubalulekile ukuthi uma ususikhokhele wasiqeda isikweletu uyivale i-akhawunti ukuze ungaheheki ukuthi uthathe enye impahla ezokubuyisela ezikweletini.
Uma usuqedile ukukhokhela izikweletu abakwa-Absa bathi kufanele uqale ukulondoloza imali ezokusiza uma unezinkinga.
Lokhu bakubiza nge-emergency fund futhi uzakhele nomcebo ngokulondoloza imali yakho ngezindlela ezihlukene.
Khumbula ukuthi ukungasikhokheli isikweletu ngoba uthi ugxila kwesinye kusho ukuthi lesi esingakhokhelwa siyakhula ngoba inzalo ayizibekile phansi yingakho abakwa-Absa bethi kufanele zikhokhelwe zonke kuphela kushintshwe uhlelo lokukhokha.
UMnuz Neil Roets wenkampani iDebt Rescue uthe uma kuwukuthi awunayo imali esalayo nyanga zonke ozokwazi ukuthi uqale ngayo lolu hlelo, kusho ukuthi kufanele uye ezinkampanini eziluleka abacwile ezikweletini ezifana neyakhe ukuze zikukhulumele nobakweletayo ukuthi banciphise imali abayithatha nyanga zonke.
Lolu hlelo lukusiza ukuthi ungadlelwa impahla uma usuvele ngekhanda ezikweletini ngoba izinkampani ezisiza abacwile ezikweletini zenza izinhlelo ezintsha zokukhokha ezizoqinisekisa ukuthi nocwilile usala namasentshana okuphila.
Udonse abantu ngendlebe ukuthi babophe izifociya ngoba isimo somnotho asikhombisi ukuthi izinto zizoba ngcobo okwamanje.
“Abantu mabakhokhele izikweletu zabo ngoba iningi lisacwilile futhi lingasebenzisi imali ezintweni ezingenasidingo kodwa lithenge lokho elikudinga ngempela,” kusho uRoets.