Phumelela luIa emalini , sibulela la macebiso mathandathu aza kukunceda kuyo yonke imali onayo ku-2000 ikugcine -ukuze uhlale unemali naphakathi nenyanga
kubalisa uPATRICIA  McCRACKEN  kufote  iFOTOSTOCK
impumelelo ku-2000
imali yikho
Uphumelele
E
 NOBA UYAQALA ukroba		yebondi , ukukhwela okanye ukutya,
efestileni okuqala okanye		iimpahla neempahla zendlu,  imali
itshekhi yakho yekhulu oza		ebolekwayo okanye ukubhatala
kube uyifumana ekupheleni kwale		inkcitho oyenze ngecredit  card  ,
nyanga, ungangumntu			ngokuqinisekileyo enye ungayifaka
ongaqhelekanga eMzantsi Afrika		kuvimba enye ibeyeyokuzonwabisa.
ukuba Io mali khange ibeluncedo		Nangona kunjalo imali iphela
kuwe - uza kuyibekela irenti ,  imali	phambi kokuba sifikelele
tshintsho ,
• Uza kube ugcine iinkcukacha ezizizo ukuba kophuka isixhobo osisebenzisayo okanye iziko lemali lenza impazamo ngamatyala akho. akufunekanga ulahlekelwe kwanto.
Ngoko ke ukugcina incwadi obhale kuyo indleko zakho zemali yenye yeendlela ezilungileyo zokugcina imali enonokunceda uphumelele ku-2000. Nazi iindlela ezintandathu ezilungileyo zokwenza oko:


1 .lndlela yokonga imali
QaIa ngezinto ezingundoqo uhlale ujonge indlela ochitha ngayo imali , nokuba usebenzisa icashcard
, 	icheque book okanye icredit card . Bhala phantsi yonke imali oyikhuphileyo. oyifakileyo,  imali yokubhatala indleko ozenze ngetshekhi okanye icredit - card kwicounterfoil yecheque book yakho okanye uzithengele incwadi ebiza ixabiso eliphantsi onokuyigcina ebhegini okanye kwibriefcase yakho. Yenza uluhlu lwezinto ozihlawuleyo, kunye nenye yomhla, neyemali eshiyekileyo kuvimba wakho emva kokuba ukhuphe imali .
Ewe, kunganzima ukubhala zonke ezi zinto kwangelo xesha kodwa kubalulekile ukuba uphinde ubhale kamva - ingakumbi ukuba wena neqabane lakho nine- akhawunti enye enigcina kuyo imali nobabini umzekelo, omnye unecheque book omnye unecashcard . Inye indlela yokusombulula le ngxaki kukuxhoma iindawo yeeleta nokuba
Uphumelele
kuphi endlwini yakho - mhlawumbi kufutshane nemfonomfono okanye ekhitshini - uqinisekise ukuba wena neqabane lakho nibeka zonke iicounterfoiI zecredit card . iziliphu zikaMatshini okhupha imali nezinye iirisithi .
Bhala phantsi zonke iindleko zakho kanye ngeveki , kungcono usebenzise umatshini wokukhupha imali kuba uza kukuxelela imali eshiyekileyo ukuze ukwazi ukuba nobungqina bayo yonke into. Kungaluncedo ukujonga imali yakho phambi kokuba uthenge into enkulu.


2.	Bhala phantsi umhla
Ngelixa ugcina onke amaphepha emali oyikhuphileyo noyisebenzisileyo kwi-akhawunti nemali oyisebenzise kwicredit - card , ungalibali ukuba kufuneka ujonge umhla wemali exhuzuliweyo nemali ohlala uyibhatala - yebond ,  yeinshorensi , yefowuni , yombane namanzi, amatyala.  imali obuyibolekile nezinye izinto. Ukuba ulibele ukubhatala enye yezi mali , awazi ukuba unamalini ngoko ke sebenzisa idiary okanye ikhalenda eseludongeni ukuze ukhumbule ukuba zinini ezintsuku.


3.	Zifake kwifayile
Eyona ndlela inokukunceda
ekugcineni imali yiconcertina file onokuyithenga kwivenkile ethengisa iincwadi. Yisebenzise njengefayile yokugcina zonke iindleko neenkcitho ozenzileyo.
Faka kwifayile zonke iirisithi ngokwendlela ehambelana nendlela
owenza ngayo inkcitho: ukutya, iziselo, iimpahla, amayeza,  imali yokukhwela, ukuzonwabisa ekhaya, ukunonophela iinwele nemake-up nezinye izinto. Le ndlela iza kukunceda ngendlela ezimbini:
• Umzekelo ukuba i-ayini iyonakala xa ugqiba ukuyithenga, ungafuna imbuyekezo kumthengi okanye kumenzi inezithembiso sembuyekezo okanye ukukulungisela xa yonakele. Kodwa ngekhe ubenobungqina ngaphandle kwerisithi ebonakalisa ukuba uyithenge nini phi?
• lirisithi zakho zingakunceda ucebe okanye uphucule indlela obeka ngayo imali - xa uqokelele iinyanga ezine ukuya kwezintandathu, masithi, wongezauluhlu ngalunye, yongeza iipesenti zibelishumi ukulungiselela amaxabiso onyukayo kwaye uyakukwazi ukuqikelela inkcitho yonyaka ozayo. Ukuba kubonakala ngathi iyadlula kwimali onayo ungaqalisa ukwenza umnyinyiva.
Bekela iirisithi elinye icala onokuzisebenzisa kwirhafu, ingakumbi ukuba uneshishini lakho. Imali yomakhi okanye izixhobo zomchweli, umzekelo, zingathengwa ngomrhumo werhafu, njengezinye iimali zeshishini.


4. Kwirekhodi
Thenga iconcertina file yesibini uyisebenzise ukukhusela zonke iinkcukacha zemali yakho:
lziqinisekiso - ungalibali ukugcwalisa nokuba zeziphi icounterfoil uzithumele okanye unokungabi nambuyekezo.
• Amatyala ombane, amanzi,  iirates ,  ifowuni nezinye izinto zikarhulumente/ zikaMasipala wengingqi.
•  Iikopi zepay slips nembalelwano yerhafu kule minyaka mihlanu idlulileyo ne-ofisi yeReceiver of Revenue .
• Ezinye iincwadi okanye imbalelwano enxulumene nokuthengwa kwendlu yakho.
• lizivumelwano zamatyala emoto ,  ifenitshala ,  ifriji nezinye izinto, namaphepha engxelo ala matyala okanye imbalelwano.
• Amanye amaphepha okanye amaphepha embalelwano anxulumene nemali oyibolekileyo.
• Nawaphi amaphepha okanye imbalelwano yemali yakho - imali
70 BONA XHOSA -  March 2000


Uphumelele
oyifakileyo, imali yepenshini   ii-unit trusts nokunye.
Iimali ze-inshorensi - zobomi, indlu nezinye
izinto, imoto nokunye.
Iikopi zendawo onamatyala kuzo ezinokunika
ubungqina bokuba ubhatala kakuhle.
amaphepha ebhanki abonakalisa imali onayo,
ibuilding society , icredit card namanye amatyala.


5.Phonononga amaphepha akho emali
Phambi kokuba ulahle nawaphi amaphepha , qiniseka ukuba iyahambelana nento obuyilindele ukuyibona - unalo ufifile ndleko zakho xa ububhala phantsi konke .okucetyisiweyo ekuqaleni.
Thelekisa amaphepha ebhanki neetshekhi ozibhalileyo,  imali oyikhuphileyo nemali oyibhatala rhoqo. Ukuba awusiboni isizathu saso nasiphi isiphene okanye kukho into ubona kungabalulekanaga ukubhatala enye into, qinisekisa ukuba ibhanki yakho ayenzi zimpazamo.
Ngokufanayo, jonga amaphepha emali omatshini wemali uwathelekise namaphepha owafumana ebhankini uthelekise namaphepha ecredit - card nendlela obhatale ngayo icounterfoil oyifumana xa ubhatala . Kwakhona buza nantoni na oyibona ingalunganga njengoko kusenokwenzeka ukuba kukho umntu okhupha imali kwi-akhawunti yakho, kwimeko enjalo inkampani inyanzelekile ukuba kubhatale imali yakho.


6.Zuzi iinombolo zakho
Ukugqibezela indlela ogcina ngayo iimali zakho, bhala uluhlu lwazo zonke iinombolo esizisebenzisayo yonke imihla - eyesazisi, eyelayisensi yokuqhuba, eyasebhankini , eyecredit cards ,  i-inshorensi ,  inombolo yomthengi yombane, yamatyala neyamatyala eempahla nokunye. Beka ikopi yolu luhlu kwifayile yakho, yenza ikopi yeqabane lakho wenze nenye oza kuyigcina, xa kukho imfuneko, kwifayile eyimfihlo emsebenzini ukuze ilalisele xa kunokugqekezwa okanye kutshe.
Landela ezindlela zintandathu uza kuyazi into okufuneka uyenze - lo nto ithetha ukuba uza kukhawuleza uzibone sele uliphumelela idabi okuphatha imali kunyaka ka-2000. 



K
 UKHO unobangela odala ukuba izinto ezixabisekileyo njengobuntu zibe zisekhona
- kuba ngokunceda abanye abantu sinceda kwathina. Uvuyo nolonwabo olubangelwa luthando novelwano lwabantu yenye imfihlelo yobuntu.
lnzuzo inkulu kwaye ayijiki kangangokuba uye umangale ukuba kutheni singabenzi rhoqo obo bubele. Ukunceda abanye abantu kusoloko kusenza sizive sonwabile.
Khumbula amaxesha apho uzinikeleyo ngokugqibeleleyo. Mhlawumbi wonga umhlobo wakho ongaphilanga wade waphila.
wakho okhathazekileyo efowuna . Ubuyela ezingqondweni, nje okokuba ubenaye umphe namazwi omelezayo.
Xa sigqibile, sithuthuzelene, sibeka phantsi imfono-mfono sizive sonwabile. Sikhumbula ukuba singoobani kanye kanye nokuba kufanele simnike ntoni omnye umntu.
Ngelishwa, sixakekile. Ngamanye amaxesha sibona ngathi asinalo ixesha lokunceda omnye umntu. Zisoloko zininzi izinto ekufanele sizenze, kwaye zibonakala zibalufekile.
Kodwa ukuba sibona
sazikhathalela kakhulu. Kubantu abanjalo, nto nganye ebomini bethu ixhomekeke kwindlela ebachaphazela ngayo.
Abanye abakhathalelwa. Oku kuzicingela ngunobangela wokugula kwabo.
Cinga ngako. Xa ungonwabanga, ingaba ucinga ngawe okanye ucinga ngabanye abantu?
Usoloko ucinga ngawe. Le nto kufanele isifundise nto.
Njengoko iqhalo lebhayibhile yamaTalmu lisithi, Ubulungisa yeyona nto ibalulekileyo elizweni. 
ukuba bazifumanele imfihlo
ubuncedisa ekuphekeleni abantu abahluphekayo, ubuqeqesha iqela lebhola ekhatywayo esikolweni , uncedise ekuqokeleleni ingxowa-mali yokunceda abantu.
Uzive njani? Kwaye kutheni le nto uzive wonwabile? Yintoni le imnandi ekuthandeni nasekuncedeni omnye umntu ebangela umphefumlo wakho uxole? Mhlawumbi ngokwenza njalo sikhangela indlela esidibanise nabanye abantu. lkhona indawo evuyayo xa sinxulumana nabanye abantu mihla le ngendlela eziqhelekileyo.
Xa sikhathalela omnye umntu, ngamanye amaxesha sibona ubunjani bethu, itsho ingcali eyaziwa jikelele ekwaphilisa abantu abaphukelwe yimiphefumlo uRam Dass .
Singahlala sodwa, singaqiniseki okanye sizisizela, xa umhlobo
kungabalulekanga ukunceda omnye umntu, ukuba asikuboni oku njengendlela ebalulekileyo yokukhula nokuziphuhlisa, ingaba oku kuthetha ukuthini ngathi?
Yeyiphi indlela esiyihambayo ukuba uthando nobubele aziyonxalenye yendlela esiyihambayo? Ingaba sicinga ukuba ukwenza imali , ukuchitha ubusuku ngokubukela umabonakude, okanye ukuya kusela kungasenza sonwabe?
Sifuna ukuzonwabisa ngezothando, ngenzuzo, ngezinto esinazo, kwaye zonke ezi zinto ziyasonelisa - kodwa kuninzi okusafunekayo. Intetho ithi ukuba sisajonge ukonwabisa iziqu zethu kuphela, asoze sonwabe.
AmaJapani anentetho ethi ukungaziboni ezona zinto zintle ebomini. Le meko isenze
yempumelelo nolonwabo ngeencwadi zakhe ezithengwa kakhulu, ezinjengoMindpower .Incwadi yamva nje ethi, The Prtictice of Happiness yohlukile - ingqokelela yezinto ezihlekisayo nobukrelekrele obuqokelelwe kwabo bebefuna ukonwaba ngokwasemoyeni. Siyabulela kwabakwa-Struik Book Distributors , sineekopi ezilishumi zePralice of Hapiness esifuna ukuphisa ngazo.
Xa unqwenela ukungenela, bhala igama nedilesi kwiposkhadi uthumele kwaBONA/ Kehoe Giveuway , Box 32067 , Mobeni, 4060. Amangenelo makafike kuthi phambi komhla wama-: 24 kuMatshi . 2000
Imfihlo
yokonwa-ba
Sukuzonwabisa wedwa, ucebisa atsho Ujohn KEHOE -cingela abanye!
Zonwabele
Ngaphezulu kweminyaka engamashumi mabini uJohn Kehoe waseCanada ulihambe lonke ekhuthaza abantu, enceda abantu
BONA XHOSA - March 2000 75


