amandla atholakala ngokulondoloza imali

Ina Cronjé, MEC for Finance in KZN, and custodian of the KZN Financial Literacy Association

This series of articles on Financial Literacy is sponsored by the Provincial Treasury,as an initiative of the KwaZulu-Natal Financial Literacy Association

“Enabling people to be in control, rather than victims, of their destiny”

Ngesonto elizayo: Amaphutha esiwenza ngemali

Amandla atholakala ngokulondoloza imaliIningi lethu licabanga ukuthialinamali eyanele ukuthilingalondloloza. ESwayimane,ngase Wartburg, amaqembuamakhosikazi abonisaokungenziwa ngemalielondoloziwe, yize incane.Lamakhozikazi aqala ngokonga R2ngesonto. Manje lamakhosikaziasonge izinkulungwane zamaradi.Lamaqembu omama andisaisikhwama semali ayongayongokuvumela amalunguayitsheleke. Ukuze ukwazi ukongangendlela efanele afundiswa ngamandla okusebenzangokubambisana. Athola nezifundo zokubamba imihlangano,nangezindlela zokuphatha imali. Ukulondoloza imali kwenzelabomama bakwazi ukuzimela.

Amaqembu alondoloza imali elulekwa inhlangano ebizwangeZimele. IZimele yeluleka amaqembu angu 47 eSwayimane.Lamaqembu athola izeluleko ngezindlela zokuzimela.Ukulondoloza njengamaqembu kwaholela ekuqalenikwamaprojekti emiphakathi. Amaprojekti aletha intuthukoemiphakathini. Amaqembu agcina esezimele, eziqhubelaamaprojekti awo.Ukulondoloza imali yisiqalo sokuzithuthukisanokuzimela komuntu wesifazane.

Isibonelo, iqembu leSiyazama selavula inkulisa. Leli qembulahambisa ilungu lophakathi liyoqeqeshelwa ukufundisakulenkulisa. Iqembu leMasibambane lavula isikole sokufundelaukusebenzisa ikhopyutha. Kanti iqembu le Masikhulisane lonaliqashelwa ukupheka emicimbini. Selaze lathenga izihlaloeliziqashisela abenza imisebenzi. Amanye amalungu asebenzanjengonompilo abanakekele abagulayo emphakathini. Onkeamaprojekti aqhamuka ngenxa yokuqoqana komamabelondoloza imali.

Ukulondoloza imali kungabukeka kuyinto elukhuni, kodwakunezindlela zokonga ezisebenzayo.

Halala, komama baseSwayimane. Basibonisile ukuthi kwenziwakanjani. Thina esihlala emadolobheni singafunda lukhulukubona.

Ilungu leMasikhulisane uThule Goge uthi, "Sasicabanga ukuthiupondo awulutho. Sesafunda kodwa ukuthi upondo uwutho.Ngalabopondo sikwazile ukuthenga lezi zihlalo."

Indlela yokonga uma uhola imali encane

Qala ngokuthenga izidingo ngqangi ugcine ngezintoongazidingi kakhulu.

Bhala ibhajethi ngaphambi kokusebenzisa imali.Ibhajethi izokulekelela ungachithi imali yakho.

Qhathanisa amanani ezinto ezitolo ezahlukeneuzokwazi ukuthenge izinto ngamanani aphansi kakhulu.

Ukuthenga izinto ezinkulu kwenza amanani abe phansi.Ungahlanganyela nabanye ukuthenga ngobuningi nomangobukhulu.

Xoxisana nosozitolo ngamanani ezinto nokutholaisephulelo. Loku ungakwenza kakhulu uma uthengaizinto ngokheshi.




Kubalulekile ukuziphathela izindaba zezimali zakho.Wonke umuntu - abesilisa kanye nabesifazane kumelesonke sazi kabanzi mayelana nalo lonke isenti esinalo.Njengokuthi:

inani lemali engenayo,

inani lemali ephumayo noma echithwayo,

kanye nenani lemali elondolozwayo.

Amaphutha esiwenza ngemali

Ngokuzayo: Sifunda ukugcwalisa ifomu lebhajethi.

Uyazazi yini izinto ochitha kuzo imali yakho?Khetha isonto elilodwa, ubhale uhla lwezinto ozithengayo nozikhokhelayo. Qala namuhla!

Iningi lethu lenza amaphutha amaningi ngemali.Funda izibonelo zamanye alamaphutha ngezansi:

ukudedela omunye umuntu akuphathele izindaba zakho zezimali

ukungaxoxisani ngezindaba zezimali

ukungabi nebhajethi

Kubalulekile ukwenza ibhajethi. Ibhajethi injengohlelooluzokulekelela ukwazi ukuphatha nokusebenzisa kahleimali yakho. Ibhajethi izokulekelela ngalezi zindlela:

ngokuthi wazi lapho usebenzisa khona imali nokuthiuyisebenziselani,

ngokuthi ungangeni ezikweletini,

ngokwenza kube lula ukulondoloza imaliozoyisebenzisela ukufeza izidingongqangi.

Nyangazonke ngaphambi kokusebenzisa imali, xoxisananinjengomndeni ngezidingo zasekhaya. Bese nibhalaibhajethi yenyanga yonke.

Kubalulekile ukuhlela isikhathi sokuxoxisana ngezimali.Ukuxoxisana njengomndeni ngemali kubalulekile kakhulu.Onke amalungu omndeni kumele azi izindlela zokuphathaimali - okubandakanya kubo abesilisa, abesifazane kanyenezingane.

1

2

3

uMsombuluko uLwesibili uLwesithathu uLwesine uLwesihlanu uMgqibelo iSonto

isinkwa R6.99




Phinda futhi ubheke izinto ochithe imali kuzona esontweninoma enyangeni edlule. Kunomehluko phakathi kwezintoozifunayo nalezo ozidingayo.

Umahluko phakathi kwezintoozidingayo nalezo ozifunayo

Uma ngabe kukhona imali eyasala,wayilondoloza, siyakuhalalisela!Lena kumele kube injongo yethu.Sonke kumele sizame ukongamasonto onke noma nyanga zonke.Noma ngabe wonga imali engathenikuzoba nomehluko ekugcineni.

Esikhathini esedlula sakucela ukuthi ubhale uhla lwezinto ochitha imali yakho kuzona.Sacela ukuthi ukwenze lokhu ngesonto elilodwa. Buka izinto owazikhokhela:

Ngabe wazikhokhela ngokheshi yini?

Ngabe wazithenga ngesikweletu noma nge akhawunti?

Ikhona yini imali eyasala?

Ngabe wachitha imali engaphezu kwaleyo oyiholayo yini?

Ikhona yini imali ongakhumbuli ukuthi wenzani ngayo?

Abantu ngokwehlukana kwabo banezidingo ezahlukene. Abanyeikhompyutha ingaba yisidingo abenza ngaso umsebenzi. Kantiabanye bangayifunela nje ukudlala imidlalo ekuyona.

Ngingayitholaphi imaliengingayilondoloza?

Ngakho cabangisisa okubalulekile phakathi kwezidingo kanyenezinto ozifunayo. Ukwazi izidingo zakho kungakulekelelaekwenzeni ibhajethi.

Izidingo Izinto ongazidingi

amanzi ahlanzekile

ucingo

ugesi

izingubo zikanokushoezingena efeshinini

imithi nokunakekelwakwezempilo

ongcamnceifenisha

izingubo zesikole

ubucwebeimoto

ikhompyutha

imali yesikole

imali yokugibela

izithombe

imali yokuthela (noma imali yokukhokhauma ngabe uthenge umuzi)

oswidi

umshwalense

amanzi ahlanzekile

ukudla kwasekhaya

Ohlwini lwakho lwezinto ochitha kuzona imali yiziphiizidingo, yiziphi izinto ozifunayo? Bhala izidingo kanyenezinto nje ozifunayo etafuleni elingezansi.

Izidingo: Izinto okumele noma kanjani sibe nazoesingeke saphila ngaphandle kwazo.

Izinto esizifunayo: Izinto esithanda ukuba nazokepha singazidingi.




Indlela yokwenza ibhajethiIbhajethi yinto oyakhayo uyisebenzise njenge qhinga elikulekelela ekusebenziseniimali ngendlela efanele. Ikulekelela ukuthi wazi lapho uchitha khona imali yakho.Ngebhajethi ukwazi ukubona imali osala nayo uma usukhokhe zonke izindleko.Futhi uba namandla okwenza iholo lakho lanele izindleko zakho. Uma wakhaibhajethi, kubalula ukuhlelela ukonga nyanga zonke.

Ibhajethi yakhiwa kanje. Bhala uhlalwezindleko zenani elilinganayonyanga zonke:

Imali yokuthela

Imali yezingane yesikole

Imali yokugibela

Imali elondolozwayo

Inani selilonke:

Bhala uhla lwezindleko zenanielishintsha nyanga zonke: Lezi izintoozithenga noma ozikhokhelangengani elingafani njalonjalonjengalezi:

Ugesi

Ukudla

Ucingo noma umakhalekhukwini

Ama-akhawunti

Ukuzithokozisa

Amakhambi okwelapha

Nezindleko ezivela ungazelele

Inani selilonke:

Manje bhala imali enganayo ekhayalakho ngenyanga. Lena imali okumeleuyichithe ngenyanga.

Iholo

Isibonelelo sikahulumeni

Isibonelelo sezingane

Okunye

Inani selilonke:

Ngeliphi inali eliphezulu, iholo nomaimali eya ezindlekweni? Uma ngabeimali eya ezindlekweni ingaphezukweholo lakho, uchitha imaliengaphezu kwamandla akho. Umaiholo lakho lingaphezu kwezindleko,uyakwazi ukonga, kanti unethubalokulondolozela ikusasa.

Isinyathelo 1 Isinyathelo 2 Isinyathelo 3

Hlanganisa zonke izindlekoukuze ubone ukuthi malinioyichitha isiyonke.

Bhala ibhajethi yakho yalenyanga lapha ngezansi:

Izindleko ezingashintshi Inani

Inani selilonke

Izindleko ezishintshayo Inani

Inani selilonke

Izindleko

Inani

Umahluko phakathi kwemaliengenayo/neyezindleko:

Imali engenayoKhumbula! Ukuhlela ibhajethi yakho ibe nemali oyilondoloza nyanga zonke!




Siyongelani imali?

Izitolo zisiheha ngokusivulelaama-akhawunti kalula ukuzesithenge ngezikweletu.

Yonke indawo igcweleomashonisa abahlala belindeukusiboleka izimali.

Silingeka ukuthenga izingubozikanokusho MANJE, singenayoimali. Ngesinye isikhathiizingane ezisenzisa loku.

Zonke izinto seziyabiza okwenzangesinye isikhathi sitsheleke izimalizokuthenga izidingongqangi.

Imalini eya ezikweletini zakho nyanga zonke?

Cabanga ongakwenza ngaleyo mali uma ungenazo izikweletu ezingaka.

Kunganjani ukuphila ngaphandle kwezikweletu?

Ngesonto elizayo: Ikhona yini into ebizwa "ngesikweletu esihle"? Funda ngezinhlobo ezehlukene zezikweletu.

Izitolo zisitshela ukuthi siyonga uma sithenga izinto ezisendalini. Kodwaukonga imali akusho ukuthenga izinto zenani eliphansi! Ukonga kwangempelaukulondoloza imali nyanga zonke, singayisebenziseli ezinye izinto. Umaulondoloza imadlana nyanga zonke igcina isiningi. Ngaleyo mali ungathengaizinto ezinkulu ngaphandle kokwenza isikweletu. Uma ufuna ungayisebenziselaizimo ezivela ungazelele noma ukwenza umcimbi. Uma wonge ngokwaneleasikho isidingo sokutsheleka imali yezinto ezifana nemingcwabo nomaimishado.

Izikweletu ziyisizathu esikhulu esenza sehluleke ukonga nyanga zonke! Iningilethu likweleta amabhange, izitolo, kanye nomashonisa. Ukukhokhelaizikweletu kudla imali nyanga zonke. Kwenziwa yini ukuthi iningi lethu libenezikweletu eziningi ngalendlela?

Ekhasini lethu eledlule lokongiwa kwemali, sabhala

ngokubaluleka kokonga imadlana nyanga zonke.

Sabuye sabhala ngezindlela zokonga imali.




Ukuthenga ngesikweletu kuhle futhi kubi.Kunezikweletu ezinhle kanye nezikweletu ezimbi.

Sikweleta kangakanani emabhange, ezitolo noma kubantu?Bhala isikweletu ngasinye ebhokisini lezikweletu ezinhle,nasebhokisini lezikweletu ezimbi.

Izikweletu ezimbiIzikweletu esizenza uma sithenga izintoezingabalulekile

Izikweletu esingakwazi ukuzikhokhela nyanga zonke

Izikweletu esizikhokhela ngemali esiyitshelekekubantu abazalisa ngemali

Izikweletu zama akhawunti ezingubo esingazidingi.

Izikweletu esizikhokhela ngenzalo mali ephezukwemali esayitshelekayo.

Izikweletu ezinhleIzikweletu esizihlelele kahle

Izikweletu esikwazi ukuzikhokhela

Izikweletu zokuthenga izinto esizidinga ngempela,esingenawo amandla okuzithenga, njengomuzinoma imoto

Izikweletu ezingenanzalo enkulu kakhulu umasesizikhokhela.

Kungcono ukungabi nazo izikweletu nhlobo!

Okubi kakhulu ngokutsheleka imali, nokuthenga ngama-akhawunti, inzalo esigcina sesiyikhokha.Ngesonto elizayo, funda kabanzi ngenzalo mali.

Izikweletu ezimbiIzikweletu ezinhle

Ezinhle: esizenza ezintweni esizidingayo, esikwaziyo ukuzikhokhela.Ezimbi: esizenza ezintweni esingazidingi, esihlulekayo ukuzikhokhela.

Izinhlobo ezihlukene zezikweletu




Imali nzaloImali nzalo iyinkinga uma uboleke imali.

Imali nzalo ekufanele uyikhokhe ngaphezu kwesamba osibolekile.Uma uboleke imali kuvamisile ukuthi ukhokhe inzalo. Imali nzalooyikhokhela umuntu okuboleke imali. Kuyefana nokuthenga ngeakhawunti esitolo nangenani eliphezulu.

Isibonelo:Uma ngiboleka uR100, kufanele ngikhokheu R125, lo R25 sewuyinzalo.

Sithi uma uthenga leli friji ngokheshi uzokhokha R2799.Kodwa uma ulithenge ngesikweletu uzokhokha R7092.

Kanjani?

Isikhangiso sithi uma ulithenge ngesikweletu uzokhokhaR179 ngenyanga ezinyangeni ezingu 36.

Lapho uzokhokha R197 x 36 = R7092.

Ngalendlela ukhokha uR2799 ngefriji, noR4293 ngenzalo.Kuyefana nokuthi uthenge amafriji amabili!

Ziyimalini lezimpahla uma uzithenga ngokheshi?

Uzokhokha malini ngenyanga uma uthenga ngesikweletu?

Uzokhokha izinyanga ezingaki?

Uma ukhokha R115 ngenyanga ezinyangeni ezingu 36,uzogcina ukhokhe malini?

Inzalo yabanye abatshelekisi uyikhokha ngaphezu kwenzaloyasebhange. Ezinye izitolo zihlawulisa ngaphezu kwezinye.Kufanele uqhathanise inzalo yamabhange ahlukene, ezitolokanye nakubatshelekisi zimali.

Kungcono ukuthenga impahla nge lay by kunokuthenga ngemaliengaphezulu. I-lay by ukhokhela izimpahla izinyanga ezintathungaphambi kokuzithatha esitolo. Lapho ayikho inzalo.

Funda isikhangiso ngenzansi: Bhekisisa isikhangiso ngenzansi kanye nemibuzo:

Uma uthatha isikhathiukukhokha isikweletusakho, inzalo iyanda.




Izikweletu ziyinkinga enkulu e-South Africa.Zithinta abahluphekile kanye nezigwili.

Uma uboleke imali eningi ukhokha inzalo eningi. Ukukhokhelainzalo yesikweletu kunciphisa imali ezosiphilisa. Isikweletu senzaizimpilo zibe nzima nasemndenini yethu. Kungcono uphumeezikweletini ngokushesha.

Ukuphuma esikweletini

Uma isikweletu sakho siyinkinga ngempela, futhi ungasakwazinokukhokhela ama-akhawunti akho, ungayibalekeli lenkinga.Uma ubaleka, noma uthula nje, isikweletu siyanda kanyenenkinga. Kungcono uye ezitolo noma ebhange olikweletayo.Ufike ubachazele ukuthi uyathanda ukukhokha imaliobakweleta yona kodwa kusanenkinga obhekekene nayo.Bacele nenze isivumelwane semali ongakwazi ukubakhokhelayona.

Mhlawumbe kuzokusiza futhi uma lezi zikweletu zakhoezincane zihlanganiswe zibe isikweletu esikhulu esisodwa.Boleka imali eyanele ukukhokhela zonke lezikweletu zakhoebhange olisebenzisayo, noma kwenye indawo ebiza inzalo

Uqala kuphi ukwehlisa isikweletu?1. Bhala isikweletu sakho ngasinye. Ngokwenza lokho uzobona ukuthi

ukweleta malini isikweletu ngasinye. Lokhu kuzokwenza uboneukuthi unenkinga engakanani ngezikweletu zakho.

2. Bheka izidingo zakho zangenyanga. Qala ngokukhokhela lezintoongakwazi ukuphila ngaphandle kwazo njengo-gesi, amanzi, imaliyesikole, intela noma imali yomuzi. Kubalulekile kakhulu ukuthiukwazi ukukhokhela lezi zindleko. Kulemali esele, bheka ukuthiusele namalini ongakwazi ukuyisebenzisa ukwehlisa ezinyeizikweletu zakho ezisele njengama akhawunti ezingubo.

3. Khulumisana nomndeni wakho ngenkinga yezikweletu zakho.Kufanele nisebenzisane ukuze nikwazi ukuphuma ezikweletini.Angeke kukusize ukukhokhela ama-akhawunti ezitolo nyangazonke, kodwa izingane zakho zibe zisaqhubeka zithenga izingubongawo lama akhawunti! Kufanele nenze icebo emndeninilokukwazi ukuma ezikweletini.

Uma uhluleka ngempela ukukhokhela izikweletu zakho...

Baqaphele abantu abathembisa ukukusiza ukuphumaezikweletini. Abanye abathembekile. Mhlawumbe ngekebadlulisele imali yakho kubantu obakweletayo. Futhiabavumelekile ukuthi bakukhokhise imali bengakakusiziukuphuma esikweletini.

engcono. Lapho uzobe usukweleta indawo eyodwa, kantikulula ukwazi ukuthi uzokhokha malini ngenyanga. Kumeleuqaphele uma wenza lokhu – bheka ukuthi inzalo ozoyikhokhangalemali mboleko izobancane yini kunenzalo oyikhokhelaama akhawunti asezitolo.

Bhala isikweletu sakho ngasinye.

Angeke nginithengele izimpahlazokugqoka kulenyanga!




Abanye bethu baba nenhlanhla yokuthola amabhonasi ngesikhathisika Khisimusi. Iningi lethu lithola imali eningi ecazwa ezitokfeleni.Ngaso lesi sikhathi izitolo zisimema ukuba sizochitha imali yethu.Zifuna ukuthintitha amakhukhu kanye nezikhwama zethu.

Izitolo zifuna sithenge noma singenayo imali. Zifuna sithengengesikweletu noma ngama akhawunti, ngoba zifuna sikhokhe imalienenzalo. Uma siqhubeka nokuthenga izinto ngama akhawunti,kusho ukuthi sizophila ngezikweletu njalo. Izitolo azinankinga ukuthisikhokha kancane. Uma sithatha isikhathi eside ukukhokhela izitolo,zithola inzuzo eningi nyanga zonke. Okusho ukuthi ugcina usukhokhaimali engaphezulu kakhulu kunaleyo oyikweletayo.

Qaphela izikhangisi!Uke wazibona yini izikhangisi ezifana nalezi emaphephandabeni noma ezitolo?

Ngabe uke wawu thola umqhafazo ofana nalona kumakhalekhukhwini wakho?

Abokuqala abangu 10 000 abanama akhawuntiethu bangathenga ngo R3,500 noma ngaluphiusuku baziklomele ukuhamba ngomkhumbi!Kunemigomo nemibandela …

Thola imali mbolekoengu R50,000 manje!

Unalo yini uhlelo ozolulandela lokusebenzisa imalingesikhathi sika Khisimusi? Bhala uhla lapha, lwazo zonkeizinto ozochitha kuzo imali ngoZibandlela (December).Bhala nezinto ozozithenga ngalesi sikhathi kodwaongazithengi njalo. Izokwanda ngamalini imali ozoyichitha?Uzokhokha inzalo yamalini uma uthenga ngesikweletu?

Inani

Ngabe uyazi ukuthi uzodinga imali engakanani onyakeniomusha, ozoyisebenzisela ukukhokha imali yesikole, izingubozesikole, nokunye?

Bhala ibhajethi yenyanga kaMasingane kuseyimanje,ungakachithi imali ngamaholide kaZibandlela. Asizameniukuqala ukungachithi kakhulu imali ngamaholide kaKhisimusi.Lezi zikweletu zizokwenza siqale unyaka ka 2012 sine zikweletuezingaphezulu kakhulu kwamandla ethu.




UThenjiwe udinga ukuthenga ikhabethe lokufaka izingubo endliniyakhe yokulala. Ubona isikhangiso sekhabethe alithandayo. Bukaisikhangiso ukuze uthole izimpendulo ezizo kulekeleleukugcwalisa izikhala ezingezansi.

Uhlakaniphe kangakanani uThenjiwe ngemali yakhe?Lesi isiqephu sokugcina sika Learn with Echo sokufundangokuphathwa kwemali salonyaka. Sisazoqhubeka nezinyeiziqephu ezimbili ngoNhlolanja ka 2012.

Namuhla, zikhumbuze ngezinto owazifunda eziqeshiniezedlule. Funda indaba ka Thenjiwe. Gcwalisa izikhala beseuphendula imibuzo elandelayo.

Libiza malini ikhabethe uma uThenjiwe elithenga ngokheshi?_______________

UThenjiwe akanaso lesi sizumbulu semali. Usecabangaukuthenga ikhabethe lakhe ngesikweletu.

Ngenyanga uzokhoka R___________ isikhathi esiyizinyangaezingu__________. Isiyonke imali, uThenjiwe uzokhokhaR___________ uma ethenga ngesikweletu.

Lizobiza kangakanani ikhabhethe lika Thenjiwe uma elithengangesikweletu?

R______________ - R1399.99 = ________________

UThenjiwe akanaso isiqiniseko sokuthi uzoba namandlaokukhokha izikweletu zakhe isikhathi eside. Ubhala ibhajethiyenyanga ukuze abone ukuthi uzokwazi yini ukukhokha.

UThenjiwe uhola R4 500.00 ngenyanga.Ibhajethi yakhe ibukeka kanje:

UkuthelaUkuthelaUkuthelaUkuthelaUkuthela R1500 R1500 R1500 R1500 R1500

Ugesi namanziUgesi namanziUgesi namanziUgesi namanziUgesi namanzi R650 R650 R650 R650 R650

Imali yesikoleImali yesikoleImali yesikoleImali yesikoleImali yesikole R450 R450 R450 R450 R450

UcingoUcingoUcingoUcingoUcingo R250 R250 R250 R250 R250

UkudlaUkudlaUkudlaUkudlaUkudla R1200 R1200 R1200 R1200 R1200

UkugibelaUkugibelaUkugibelaUkugibelaUkugibela R560 R560 R560 R560 R560

Ukukhokha ama-akhawunti R400Ukukhokha ama-akhawunti R400Ukukhokha ama-akhawunti R400Ukukhokha ama-akhawunti R400Ukukhokha ama-akhawunti R400

Ukukhokhela imali mboleko R320Ukukhokhela imali mboleko R320Ukukhokhela imali mboleko R320Ukukhokhela imali mboleko R320Ukukhokhela imali mboleko R320

INANI SELILONKEINANI SELILONKEINANI SELILONKEINANI SELILONKEINANI SELILONKE R4230 R4230 R4230 R4230 R4230

R4500 - R4230 = R___________

Uzoba nawo yini amandla okuthenga ikhabethe ngesikweletuuThenjiwe? Ucabanga ukuthi enze njani?

UThenjiwe uyazi ukuthi nyanga zonke imadlana asala nayoisetshenziselwa okuthile. Uthatha isinqumo sokulondoloza leyomali, azothenga ngayo ikhabethe ngokheshi. UThenjiwe unqumaukulondoloza u R120 ngenyanga. Ngabe uzoyilondoloza isikhathiesingakanani imali ukuze ahlanganise u R 1399.99 wokuthengaikhabethe? _____________

Ngiyazi ukuthi kungenzekainani lekhabethe libe lenyukile

ngenkathi sengilondolozengokwanele. Nginesiqiniseko kodwasokuthi ngizolithola ikhabethe umasenginemali. Kuhlala njalo kunendaliezitolo. Ngingamane ngilondolozekunokuba ngikhokhele ikhabethe

ngemali ephindwe kabili nomakathathu!

Ziningi izindlela zokulondolozela ikhabethe ezingasetshenziswauThenjiwe. Angalondoloza ebhange, esitokfeleni, nomaemaqenjini alondoloza imali anjengo Zimele kanye no SaveAct.Okunye angakwenza ukukhokha idiphozi bese ekhokha kancaneizinyanga ezimbalwa ikhabethe lisagcinwe esitolo (lay by).

Zikhona yini ezinye izindlela ozaziyo zokonga? Ngeyiphi ocabangaukuthi ingaba yinhle kakhulu, engasetshenziswa uThenjiwe?

amandla atholakala ngokulondoloza imali

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