Ulwazi Magazine

Izitok’fela
Indlela Yokukhalipha Kwezezimali
Nokwakha Ubungani

Cabanga ukuba nesikhali esiyimfihlo esingakusiza wonge imali, utshale imali ngobuhlakani futhi wakhe ubungani obuqinile konke ngesikhathi esisodwa. Cha, akusiyo inganekwane – kubizwa ngesitok’fela futhi ukusiqala nabangani bakho nisebasha kungashintsha izinto. Manje kungani izitok’fela zizinhle kubantu abasha futhi wena ungaliqala kanjani iqembu lakho elonga imali? 

 

Isitok’fela yilapho iqemba labantu – wena nabangani bakho – lihlangana lihlanganise imali njalo. Njalo uma nihlangana, umuntu nomuntu ufaka imali ebekiwe, bese imali le ehlanganisiwe iye kumuntu ngamunye njalo uma kuhlanganwa. Kufana nesikoqokoqo esisiza wonke umuntu afinyelele kwizinjongo zakhe ngokushesha.

 

 

Ukuqala isitok’fela nabangani bakho akukho mayelana nokonga imali nje kuphela – kumayelana nokuzilungiselela ukuphumelela kusasa. Nazi izizathu zokuthi kungani kuyicebo elihle. Izitok’fela zikwenza ukwazi ukuphatha imali. Uzofunda ukwenza isabelomali, ukonga, kanye nokutshala imali – amakhono azokusiza njengoba ukhula.

 

 

Izitok’fela ziphinde zibe mayelana nokusebenzisana. Wena nabangani bakho nizosebenzisana ukuze nifinyelele kwizinjongo zenu ezifanayo, nibe nakha ubumbano nobungani obuqinile. Noma ngabe nongela ukuthenga igajethi entsha, ukuya eholidini ekade nanifisa ukuya kulo, noma ukuqala ibhizinisi elincane, izitok’fela zikunika isinyathelo sokuqala esiya ekufinyeleleni kwizinjongo zakho. 

 

 

Izitok’fela ziphinde zibe wusizo. Uma umuntu ebhekene nezikhathi ezinzima, iqembu lenu lingasiza. Kusukela kwimigubho yezinsuku zokuzalwa kuya kumaholidi kaKhisimusi, isitok’fela senu singasiza ukunihlelela imigubho emihle ngaphandle kokuguga iphakethe. Isitok’fela singasetshenziselwa nokongela izinto ezifana nokuya enyuvesi noma uhambo lwesikole.

 

Ukuqala Iqembu Lakho Lesitok’fela 

  1. Khetha Iqembu Lakho: Mema abangani abazinikele nabazimisele bese nitshelana izinjongo zenu ngesitok’fela. Ukwethembana nokusebenzisana kusemqoka!
  1. Khethani Izinjongo Zenu: Ithini injongo yesitok’fela senu? Nifuna ukongela uhambo lwamaphupho enu, ukufaka imali kwibhizinisi, noma okunye? Thathani lezi zinqumo ndawonye.
  1. Bekani inani lemali ezofakwa: Thathani isinqumo sokuthi ilungu ngalinye lizofaka malini. Qinisekisani ukuthyi inani wonke umuntu azokwazi ukulikhokha. 
  1. Khethani uhlelo lokukhokha imali: Nizokhokha njalo ngenyanga, emva kwezinyanga ezintathu, noma ngesinye isikhathi? Yenzani uhlelo oluzohambisana nesimo sezimali sawo wonke umuntu. 
  1. Hlalani Nihlelekile: Gcinani amarekhodi ayo yonke imali engenayo nephumayo. Vulani i-akhawunti yasebhange yenu nonke.
  1. Vumelanani Ngemithetho: Xoxani ngokuthi izinqumo nizozenza kanjani, izimali zizophathwa kanjani nokuthi izimo eziphuthumayo zizomiswa kanjani. Amazwi awo wonke umuntu kufanele azwakale.
  1. Khulani Nifunde: Ngokuhamba kwesikhathi, nizofunda kabanzi ngokuphatha imali, ukusebenzisana, hlampe nokutshala imali. Qhubekani nifunde futhi nesekane.
 

Ukuqala isitok’fela nabangani bakho kuyisinyathelo esiya ekuzimeleni kwezezimali. Hlanganisa abangani bakho, nibeke izinjongo, ningene emhlabeni ohlabahlosile wezitok’fela. Nizozibonga kusasa.