Indlela yokwahlukanisa amabhili phakathi kwezinhlobo zemali (ngaphandle kwamanani okushintsha angamashumi amane)

Ngomzuzu iqembu lenu eliwela ngawo umngcele, ukwahlukanisa amabhili kuba nzima kakhulu. Omunye ukhokhela ihhotela ngamapula, omunye athenge ukudla kwasemini ngemali yendawo, othile abhuke isitimela sokubuya ngamadola, manje futhi akekho ovumelanayo ngokuthi ubani okweleta ini ngempela.

Ukwahlukanisa amabhili phakathi kwezinhlobo zemali kungenye yezinkinga ezivame kakhulu ohambeni lweqembu — futhi kungenye yezilula ukuzenza kabi. Nansi indlela yokukugcina kulingana.

Kungani ukwahlukanisa kwezinhlobo eziningi zemali kunzima kangaka

Inkinga akukhona ukusetshenziswa kwemali. Kungukuqhathanisa. Ukuze izindleko zahlukaniswe ngokulinganayo, izindleko zawo wonke umuntu kudingeka zikalwe ngeyunithi efanayo. Kodwa ohambeni ungaqongelela izindleko ngezinhlobo ezintathu noma ezine zemali, ngayinye ngenani lokushintsha elehlukile, ngosuku oluhlukile.

Kwenze ngesandla bese ubhekana nezinkinga ezintathu:

• Yiliphi inani lokushintsha? Amanani ashintsha nsuku zonke. Inani ngesikhathi ukhokha akulona inani ngesikhathi nihlanganisa.
• Ukushelela kokuzungeleziswa. Shintsha izindleko ezingamashumi ngesandla bese amaphutha amancane okuzungeleziswa aqongelele abe umehluko wangempela.
• Izindleko zekhadi nemikhawulo. Lokho ibhange elikukhokhisile akuhlali kuyilona nani “elisemthethweni”, ngakho ukubuyiselwa kuzwakala kuphambukile kancane.

Ukwahlukanisa okulingana kakhulu akukhona lokho okunamadesimali amaningi kunakho konke. Yilokho wonke umuntu akwethembayo ngoba izibalo bezihambisana.

Khetha uhlobo olulodwa lwemali yasekhaya

Umthetho wokuqala wokwahlukanisa kwezinhlobo eziningi zemali: khetha uhlobo olulodwa lwemali yasekhaya lweqembu lonke bese ushintsha konke kube yilo.

Ngokuvamile lokho:

• Uhlobo lwemali iningi leqembu elikhokhelwa ngayo, noma
• Uhlobo lwemali enizoyisebenzisa ngempela ekuhlanganiseni kamuva.

Vumelanani ngalo ngaphambi kohambo. Uma usunohlobo lwemali yasekhaya, yonke indleko — noma ikhokhwe kuphi — ingashintshelwa kuleyo yunithi eyodwa iqhathaniswe ngokulinganayo.

Bhala yonke indleko ngemali oyikhokhile

Nansi ingxenye engalindelekile: ungashintshi usahamba. Bhala yonke indleko ngemali oyikhokhile ngempela.

Uma ukhokhe amapula angu-40, bhala amapula angu-40. Uma ukhokhe u-5 000 wemali yendawo, bhala lokho. Ukushintsha ekhanda lakho ethilini yilapho amaphutha angena buthule khona, futhi kwenza umlando ungahloleki kamuva.

Ukushintsha kufanele kwenzeke kanye, ngokuhambisanayo, uma uhlanganisa konke — hhayi izikhathi ezingamashumi amane ezehlukene emakhanda angamashumi amane ehlukene.

Vumela uhlelo lwenze ukushintsha

Lolu ngqo uhlobo lomsebenzi oyisicefe nogcwele amaphutha okufanele isofthiwe ikwenzele wona. Uhlelo oluhle lokwahlukanisa izindleko luvumela umuntu ngamunye ukuthi abhale izindleko nganoma yiluphi uhlobo lwemali alukhokhile, bese lushintsha konke lube uhlobo lwemali yasekhaya oyikhethile ngamanani ahambisanayo.

NgeDonget, izinhlobo eziningi zemali zakhelwe ngaphakathi — akulona usizo olwengeziwe olukhokhelwayo:

1. Dala iQembu elilodwa lohambo bese ubeka uhlobo lwakho lwemali yasekhaya.
2. Wonke umuntu wengeza izindleko ngemali ayikhokhile.
3. IDonget ishintsha ihlanganise konke ngokuzenzakalela.
4. Amabhalansi akho ahlala ebonakala ngemali yakho yasekhaya, ngakho anengqondo ngempela.

Awukho umbalo wasekhanda, alukho ushidi lwezibalo olunekholomu yamanani asegugile, ayikho ingxabano ngokuthi ukushintsha kukabani “obekulungile”.

Hlanganisa ngesamba esisodwa esihlanzekile

Uma konke sekukuhlobo olulodwa lwemali, ukuhlanganisa kulula. Uhlelo lukhipha isikhundla esisele somuntu ngamunye lubale izinkokhelo ezimbalwa ezidingekayo ukuze wonke umuntu alingane.

Lokho kubaluleke kakhulu phakathi kwezinhlobo zemali kunakuphi, ngoba okunye — inkimbinkimbi yokudluliswa okuncane phakathi kwezinhlobo zemali — yikho kanye lapho izindleko nokudideka kwanda khona. Izinkokhelo eziyodwa noma ezimbili ezihlanzekile ngemali yakho yasekhaya zingcono kunezinhlanu ezidina.

Amathiphu ambalwa okuhlanganisa okushelelayo:

• Beka uhlobo lwakho lwemali yasekhaya ekuqaleni ungalushintshi phakathi nohambo.
• Qiniseka ukuthi yonke indleko ibhaliwe ngaphambi kokuhlanganisa.
• Khokha inani eliphelele elishintshiwe, hhayi umqagelo ozungelezisiwe.

Ngamafuphi

• Khetha uhlobo olulodwa lwemali yasekhaya lweqembu.
• Bhala yonke indleko ngemali oyikhokhile ngempela.
• Vumela uhlelo lushintshe konke ngokuhambisanayo.
• Hlanganisa ngesamba esisodwa esihlanzekile, ngezinkokhelo ezimbalwa.

Kwenze lokho, bese “ukwahlukanisa amabhili phakathi kwezinhlobo zemali” kuyeka ukuba umthombo wokwesaba kube yinto engelutho — okuyikho kanye okufanele kube yikho.

Qhubeka ufunda: Indlela elinganayo yokwahlukanisa uhambo lweqembu ne-Izindlela ezinhlanu zokwahlukanisa indleko.

Imibuzo evame ukubuzwa

Zahlukaniswa kanjani izindleko ezinhlobonhlobo zemali?

Khetha uhlobo olulodwa lwemali yasekhaya lweqembu, bhala yonke indleko ngemali oyikhokhile ngempela, bese uvumela uhlelo lushintshe konke lube yimali yasekhaya ngamanani ahambisanayo ngaphambi kokuhlanganisa.

Yiliphi inani lokushintsha okufanele lisetshenziswe uma kwahlukaniswa amabhili?

Inani elilodwa elihambisanayo elisetshenziswa ngesikhathi sokuhlanganisa, hhayi inani elehlukile elikhethwe ngesandla kuyo yonke indleko. Uhlelo oluhle lusebenzisa amanani ngokuzenzakalela, ngakho iphutha lokuzungeleziswa nomehluko wekhadi akuphambukisi ukwahlukanisa.

Kufanele sishintshe izindleko sisahamba noma ekugcineni?

Ekugcineni. Bhala yonke indleko ngemali yayo yokuqala bese ushintsha kanye, ngokuhambisanayo, uma usuhlanganisa — ukushintsha ekhanda lakho ethilini yilapho amaphutha angena khona futhi umlando ubese ungahloleki.

Ingabe iDonget iyakwazi ukusebenza ngezinhlobo eziningi zemali?

Yebo — izinhlobo eziningi zemali zakhelwe ngaphakathi, akulona usizo olwengeziwe olukhokhelwayo. Wonke umuntu ubhala ngemali ayikhokhile, iDonget iyashintsha ihlanganise ngokuzenzakalela, futhi amabhalansi ahlala ebonakala ngemali yasekhaya oyikhethile.

Sihlanganisa kanjani phakathi kwezinhlobo zemali ngezinkokhelo ezimbalwa?

Uma konke sekukulolunye uhlobo olulodwa lwemali yasekhaya, uhlelo lukhipha isikhundla esisele somuntu ngamunye nokudluliswa okumbalwa okwenza wonke umuntu alingane — kugwenywa inkimbinkimbi yezinkokhelo ezincane ezinemali eningi yezindleko phakathi kwezinhlobo zemali.

Uya endaweni enohlobo oluhlukile lwemali? Landa iDonget mahhala uyivumele yenze ukushintsha ngenkathi ujabulela uhambo.