Uma imiyalo yokudonswa kwemali kanye nezindleko ezijwayelekile zokuphila zikwenza uzibuze ukuthi izindleko zokuphila azikwazi yini ukukhuphuka, kusekhona izindleko zokuhlela umngcwabo ongaba khona. Ngokusho kwabakwaStatsSA, izindleko zemingcwabo eNingizimu Afrika zikhuphuke ngo-12%, kungabikho zimpawu zokuthi wehle noma nini maduze. Ngabe uzilungiselele ngokwezezimali?
Nazi izibalo zakamuva uma kukhulunywa ngezindleko zomngcwabo ukukusiza ubone ukuthi wena nabathandekayo bakho nizilungiselele ngokwezezimali.
Ungabheka kuze kufike ku-R86,000
Ngaphandle kokuthi usesimweni esinethamsanqa sokuthola imali yomngcwabo ocacile njengegoli leBafana Bafana uSenzo Meyiwa, obesethole isizumbulu sika-R3m izindleko, ukuhlelela umngcwabo wakho kubalulekile.
UCraig Baker, oyi-CEO yeMiWayLife, uthi yize iningi laseNingizimu Afrika linenqubomgomo yomngcwabo abantu abaningi abazihlaziyi ukuthi ngabe izokwanela yini. “Ukuba nenqubomgomo kuyisinyathelo sokuqala kodwa kubalulekile ukuthi ubheke njalo ukuthi izokwenelisa ngokwanele yini izidingo zakho. Isembozo somngcwabo sika-R10,000 ngeke sazidingida izidingo zomngcwabo – okuholela ekutheni eminye imindeni yenze amalungiselelo okugcina izindleko zokusebenzisa imali ephaketheni.
Ingcindezi yezimali okungekho muntu okufanele abhekane nayo ngalesi sikhathi esinzima, yingakho kubalulekile ukubheka ukuthi ngabe ikhava yakho yomngcwabo izomboza izidingo zakho yini, ”kusho uB Baker.
Ngokwesilinganiso, abantu baseNingizimu Afrika basebenzise imali engaphansi kuka-R23 500 ifinyelele kuma-R86,000 bezindleko zomngcwabo. Futhi lokhu kumane nje kuyiphupho le-iceberg njengoba la amanani engafaki izindleko zokudla, izimbali, amatshe ethuna nokuhambisa umzimba.
Ukukhetha ibhokisi
Ama-parlors omngcwabo azokwehluka ngokuya ngamanani entengo yawo kumabhokisi. Kodwa-ke, ukukunikeza umbono ojwayelekile wokuthi yini ozoyibheka, ungakhokha noma yini kusuka ku-R6,000 kuze kufike ku-R50,000. Uma ibhokisi elenziwa umuntu uqobo, liba ngaphezulu izindleko.
Izindleko zokushiswa kwezidumbu ziphansi kakhulu uma ziqhathaniswa nokuzingcwatshwa. Okuningi, uzokhokhiswa u-R5,000 wokuthi umzimba wakho noma umzimba womuntu omthandayo ushiswe. Kungahle kube khona u-R6,000 ongezelelwa ukusabalalisa umlotha, kuya ngokuthi wena noma othandekayo wakho ufuna ukuthi umlotha wabo usakazeke kuphi.
Izimali zokungcwaba umngcwabo
Isihloko sokufa sivame ukuhlala ngemuva kwezingqondo zethu, okwenza izindleko zaso zingabi lula, kepha kukhona uhla lwezindleko okudingeka sizilungiselele.
Izimali zokungcwaba umngcwabo
zingabiza noma yini phakathi kuka-R5,000 kuze kufike ku-R10,000 uma umzimba uthunyelwa ngaphandle kwezwe.
Le mali isetshenziselwa ukumboza ukuphepha komzimba okuphephile, amalungiselelo omngcwabo, ukuthutha isidumbu nokuzwa okwasetshenziswa. Uma uhlela ukufaka phakathi amabhasi ambalwa azimele ukuthutha izihlobo zakho lokhu kungakhuphula inani. Usazodinga ukubheka izindleko zokumba ithuna, elizoncika kumanani kamasipala futhi lingaba phakathi kuka-R1,000 no-R6,000.
Izindleko zokupheka
Nakulokhu futhi, lokhu kwehluka ngokuya ngohlobo lomngcwabo othandekayo wakho owufunayo. Kodwa-ke, ngokwesilinganiso saseNingizimu Afrika, inkomo ingabiza kuze kufike ku-R15,000. Uma uqasha itende, ungahambisa umthethosivivinywa ongaba phakathi kuka-R500 no-R5,000 kuye ngenani labantu ongafuna ukubathola.
“Ngabe kufanele udlule namuhla, ingabe wena nabathandekayo bakho nilungele ngokwezezimali ukukhokha izindleko? Ukungabi nayo inqubomgomo kubiza kakhulu kunokukhokha amaphrimiyamu aphuma kwekhava yempilo eza nekhava yomngcwabo eyakhelwe ngaphakathi, ”kusho uB Baker. Ngakho-ke, qala namhlanje ngenqubomgomo engabizi ezokunikeza wena nabathandekayo bakho ukuthula kwengqondo.