LUSISEBENZELA NJANI UHLAHLO-LWABIWO-MALI
Yintoni uHlahlo-lwabiwo-mali? 
Uhlahlo-lwabiwo-mali sisicwangciso esibonakalisa ubungakanani bengeniso efumanekileyo nendlela eza kusetyenziswa ngayo kwixesha elibekiweyo.  Njengabantu senza izicwangciso ezininzi ngengeniso nangenkcitho eyeyethu.  Ukwenza uhlahlo-lwabiwo-mali kubalulekile kuba nangona sinokunqwenela ukuthenga izinto ezininzi, asisoloko sinemali eyaneleyo yokuzithenga.  Oko ke kuthetha ukuba sineemfuno ezingapheliyo nezixhobo ezimbalwa zokukhawulelana nezinto esizifunayo.  Ukwenza uhlahlo-lwabiwo-mali kunento yokwenza nokuthengiselana kwanangokukhetha indlela esiyisebenzisa ngayo imali yethu.  Ukuba imali siyisebenzisa yonke kwinto enye, kuza kufuneka sazi ukuba sisenokungayifumani enye into. 
ISizwe silucwangcisa njani uHlahlo-lwabiwo-mali lwaso? 
Ngokufanayo, iSizwe naso sijongene noluhlu lwezinto emasikhethe kuzo.  Amasebe eSizwe kufuneka alungelelanise izixhobo ezikhoyo zihambelane neemfuno zabantu.  Uhlahlo-lwabiwo-mali lwenziwa luhambelane nezinto ezingundoqo nekugqitywe ngazo kuloo nyaka.  Uhlahlo-lwabiwo-mali lwelizwe lunikezela ngoqikelelo lwengeniso kwanenkcitho yeSizwe elindelekileyo kuloo yonyaka-mali, ukusukela ngowoku-1 ku-Apreli wonyaka ukuya kowama-31 kuMatshi wonyaka olandelayo. Uhlahlo-lwabiwo-mali lwelizwe alufani nalo naluphi na olunye, kuba lubonakalisa indlela eza kusetyenziswa ngayo imali, luze lunikezele ngeenkcukacha zendlela zokonyusa ingxowa-mali ukuze kukhawulelwane nenkcitho yelizwe. 
ISizwe siyonyusa njani ingxowa-mali yaso? 
Irhafu ingowona mthombo wongeniso-mali weSizwe. Irhafu yintlawulo esisinyanzelo ehlawulwa ngabantu, amashishini nawo nawuphi na umbutho ofanele ukuhlawula irhafu kubaQokeleli beRhafu. IiNkonzo zeNgeniso yoMzantsi Afrika (South African Receiver of Revenue - SARS) zizo ezinoxanduva lokuqokelela irhafu. Zininzi iindidi zerhafu. ISiswe sifumana irhafu yaso engundoqo kwingeniso yabantu. Umntu ngamnye elizweni ofumana ingeniso engaphezulu kwemali ethile unyanzelekile ukuba ahlawule irhafu. Olu hlobo lwerhafu lubizwa ngoku yirhafu yengeniso. Ezinye iintlobo zerhafu zibandakanya iRhafu eyoNgezwe kwiXabiso (Value-Added Tax - VAT) neyezinto ezithengelwa ukusetyenziswa ekhaya. Abantu abaninzi bayazi nge-VAT, kwanokuba ezinye izinto ezithengwayo azifakelwa iVAT. Kwelinye icala, irhafu ezongezelelweyo ngamanye amaxesha zibizwa kwizinto zokuziphilisa ubomi obuntofontofo.  Olu hlobo lwerhafu lokuthenga izinto zekhaya lubizwa ngokuba “yirhafu yesono (yezinto ezineziphumo ezibi)”. UMgaqo-siseko uyayichaza indlela uMongameli ekufuneka ayilawule ngayo ingeniso.  Nayiphi na ingeniso efunyanwa lilizwe ifakwa kwi-akhawunti yeSebe likaRhulumente eliqokelela irhafu.  Kufuneka kusetyenziswe uMthetho wePalamente xa kukhutshwa imali kule akhawunti.  Naluphi na uhlahlo-lwabiwo-mali kufuneka lube necala lenkcitho nelengeniso. 
Lusebenza njani uHlahlo-lwabiwo-mali? 
Uhlahlo-lwabiwo-mali lweSizwe lwahlulwa lube yiNgeniso kunye neNkcitho (intsilelo) ngaphambi kweMali-mboleko kunye naMatyala kaRhulumente.  Ingeniso nenkcitho ikwabizwa ngokuba yi-Akhawunti yeNgeniso yeSizwe.  Uhlahlo-lwabiwo-mali lweSizwe luqala ngenkcitho ngeli lixa ezinye iintlobo zohlahlo-lwabiwo-mali ziqala ngengeniso. Umahluko wemali xa kuthelekiswa nengeniso kunye nenkcitho ibizwa ngokuba yintsilelo okanye imali eseleyo.  Intsilelo yenzeka xa iSizwe sicwangcisele ukuchitha ngaphezulu kunoko sinakho ukukufumana kwiirhafu nje eziqhelekileyo.  Ityala likarhulumente lenzeka xa urhulumente eboleke imali kwiindawo ezikufutshane okanye kwezingaphandle ukuze akhawulelana nenkcitho yakhe. Xa ingeniso ininzi kunenkcitho, umzekelo xa kongezwe irhafu yabantu ibe ngaphezulu kunoko bekulindelwe, kubakho imali eshiyekayo.  
Inkqubo yoHlahlo-lwabiwo-mali 
Uhlahlo-lwabiwo-mali luthatha iinyanga ezili-14 xa lulungiselelwa.  Le nto ithetha ukuba ngeliya xesha bekusaziswa uhlahlo-lwabiwo-mali lwalo nyaka ePalamente, olonyaka ozayo sele luneenyanga ezimbini lulungiselelwe.  Amasebe ohlukeneyo ayabandakanyeka xa kuqikelelwa uhlahlo-lwabiwo-mali.  Athumela uqikelelo lwawo nezizathu ezilukhaphayo kwii-Ofisi zawo eziPhezulu.  I-ofisi ePhezulu iza kukhupha isishwankathelo ize isifake kwiSebe lezeziMali.  ISebe lezeziMali liza kukhupha isishwankathelo esibonakalisa inkcitho yamasebe ohlukahlukeneyo. ICandelo lokuQokelela iNgeniso Yangaphakathi kaRhulumente kunye neCandelo likaRhulumente lokuqokelela irhafu Yeempahla ezingenayo nawo akhupha uqikelelo lohlahlo-lwabiwo-mali athi aluthumele kwiSebe lezeziMali. UMphathiswa wezeziMali kunye neRhuluneli yeBhanki enguVimba bayahlangana baze baxoxe ngoqikelelo lohlahlo-lwabiwo-mali.  Ingxoxo iza kuthi ichatshazelwe yimiba yezopolitiko, ezoqoqosho neyezemali. UMlawuli Jikelele wezeziMali ulungiselele uhlahlo-lwabiwo-mali.  
Ngokwesiqhelo ngoFebruwari, nyaka ngamnye, uMphathiswa wezeziMali wenza iNtetho yoHlahlo-lwabiwo-mali ePalamente. Emva koko kuxoxwe ngale ntetho ePalamente. AbaPhathiswa besiGqeba kufuneka bahlomle kwinkcitho yamasebe abo.  Intetho idla ngokulandela indlela ethile emisiweyo. Iqala ngokujonga iziphumo zonyaka-mali odlulileyo, ize inikezele banzi ngembonakalo yemicimbi yezoqoqosho lwelizwe, kwanembonakalo yonyaka-mali olandelayo. Ithi ichaze nendlela eza kulungelelaniswa ngayo ingeniso kunye nenkcitho eqikelelwayo.  Kungokomgaqo-sikhokelo okuMgaqo-siseko wedemokhrasi yethu apho uRhulumente anokuthi asebenzise imali kuphela xa oko kuthe kwaphunyezwa yiPalamente.  UHlahlo-lwabiwo-mali luthathwa njengawo nawuphi na umthetho okufuneka uphunyezwe yiPalamente ngaphambi kokuba ube yimbopheleleko.  Emva kweNtetho yoMphathiswa, amaLungu ePalamente axoxa ngohlahlo-lwabiwo-mali aze aluvotele.  Emva kokuba kuxoxiwe ngevoti nganye yohlahlo-lwabiwo-mali, iziNdlu zombini zePalamente kufuneka ziyivotele.  Ukuba lwamkelwe uhlahlo-lwabiwo-mali, elo sebe kubhekiselelwa kulo lingalinikwa ilungelo lokusebenza ngenkqubo yalo yezemali.  
Uhlahlo-lwabiwo-mali kunye noLawulo 
Ukuqokelelwa kwengengeniso kunye nenkcitho kufuneka kulawulwe ukuqinisekisa ukuba imali isetyenziswa ngokwendlela ebinwenela ngayo iPalamente.  UMphicothi-zincwadi-Jikelele wenza ingxelo ePalamente, malunga nokuba iyathotyelwa kusini na imiyalelo yenkcitho.  Uhlahlo-lwabiwo-mali sisixhobo esibalulekileyo somgaqo-nkqubo kwanesixhobo esibonakalayo solawulo, ngokubhekiselele kwimeko apho urhulumente kuye kufuneke ibe nguye ophendulayo ngendlela esetyenziswe ngayo imali. 
