Riaan 
Ungaqala ukuqeda isikweletu sakho uma uzibekela imigomo yezezimali futhi udwebe uhlelo ukuze ufinyelele le migomo. Ngeke kube lula, kodwa kuzofaneleka uma usuzwa umuzwa wokungabi nasikweletu.
Abakweletwayo babe babi kakhulu ngekota yesine ka-2022 uma kuqhathaniswa nekota yesine ka-2016. Ngokwe-DebtBusters’ Debt Index yekota yesine ka-2022, uma kuqhathaniswa no-2016, abathengi abafake izicelo zokwelulekwa ngezikweletu babe namandla okuthenga angaphansi ngo-33%. umthwalo ophezulu wesevisi yezikweletu kanye namazinga aphezulu ngokungalawuleki esikweletu esingavikelekile.
Nakuba iholo elilinganiselwe lalilingana nowezi-2016, ngokwemibandela yangempela abathengi bebengathenga ngaphansi ngo-33% uma ukwehla kwamandla emali okuhlanganisiwe kubalwa. ukungena ekwelulekweni ngezikweletu.
Abathengi abagoduka no-R20 000 nangaphezulu basebenzise u-68% wemali abayitholayo ukuze bakhokhe izikweletu, kanti abathengi abahola u-R10 000 banesilinganiso sesikweletu somholo sika-125% okusho ukuthi isikweletu sabo sidlule imali abebeyihola, no-R12 500 okumele bakhokhelwe izikweletu. Abahola imali engaphezulu kuka-R20 000 abagoduka nayo, bebenesilinganiso sika-161% okusho ukuthi isikweletu sabo sidlule imali abebeyihola, no-R32 200 okumele bakhokhelwe izikweletu.
Amazinga ezikweletu ezingavikelekile, ngokwesilinganiso, ayephezulu ngo-21% kunangonyaka wezi-2016 kanye namaphesenti angu-50% kubantu abahola u-R20 000 abagoduka nawo ngenyanga noma ngaphezulu, okuwumphumela oqondile wabantu abasebenzisa izikweletu ezingavikelekile ukuze balwe nokwehla kwamandla emali okuqeda iholo labo.
UClaire Klassen ongungoti wokufundisa ngezimali kwabathengi kwaMomentum Metropolitan, uthi abathengi abaningi sebefuna ukwazi ukuthi bangaziqeda kanjani izikweletu zabo njengoba iningi labo linezikweletu ezinkulu futhi lingathanda ukubalekela ogibeni lwezikweletu.
FUNDA FUTHI: Abathengi basesimweni esibi kakhulu manje kunango-2016, njengoba imibuzo yokwelulekwa ngezikweletu ikhuphuka ngo-53%.
Isabelomali singasiza ekuqedeni izikweletu
UKlassen uthi uma uqaphela kakhulu indlela osebenzisa ngayo imali, uyoba ngcono ekuvimbeleni isimo lapho uba nezikweletu ngokweqile. Ngamanye amazwi, uma wazi ukuthi awukwazi ukukhokhela isivumelwano sesikweletu osuzosisayina, cishe uzogcina ukheshi ukuze uthenge leyo nto esikhundleni sokusebenzisa isikweletu.”
Uthi ukwenza isabelomali kuyithuluzi elingcono kakhulu lokubuka izindleko zakho zangempela nezilinganiselwe zenyanga futhi uzilungisele inyanga ezayo. Ibhajethi izokwazi ukubonakala ngokushesha uma umosha imali oyisebenze kanzima ezintweni ezingenamsebenzi noma ukuthi uchitha imali yakho eningi ukuthenga uphethiloli wemoto yakho.
Uma ukwazi ukunciphisa lokhu kusebenzisa imali, kuzokuvumela ukuthi ukhokhe imali eyengeziwe esikweletini sakho osikweletayo, uqinisekise ukuthi isikweletu sakho siyakhokhwa ngokushesha.
Ingabe kusafanele uzame ukonga nokutshala imali lapho ufuna ukuqeda isikweletu sakho?
“Ukutshala imali kuyizinga elilandelayo lokukhiqiza ingcebo, kodwa cabanga ngakho ngale ndlela: ungahamba imizuzwana bese uqala ukudla okunye ukudla lapho ukudla okudlayo kungakaqediwe? Kungcono ukukhokha izikweletu zakho ngesamba semali yakho.”
Uthi noma ngabe unemali eyengeziwe ongayitshala, kungcono ukhokhe isikweletu sakho kuqala ngoba kunenzalo eyongezwa ezikweletini ongakakhokhi. “Uma ususikhokhile isikweletu sakho, uzokwazi ukuqala ukutshala imali.”
Isu elingcono kakhulu lokuqeda isikweletu sakho
UKlassen uthi okokuqala ukuthola ikhophi yombiko wakho wesikweletu cishe kungcono kakhulu ukuze uthole umbono ophelele wesikweletu sakho esinqwabelene. Ukuhlola umbiko wakho wesikweletu kungabonisa ukuthi ngabe usakhokha izitolimende esikweletini osuvele usikhokhile.
Kungcono ukuthintana nabanikezeli bezikweletu ukuze uhlele ukuthi uzobhekana kanjani nesimo kunokuba ungenzi lutho. “Okuhle wukuthi okwamanje akukephuzi kakhulu ukuthi ngenze okuthile ngakho. Uma ubona ukuthi awukhathaleli, shayela ababolekisi bakho noma ibhange ukubika ukuthi udonsa kanzima futhi ucele ukuba kubalwe imali encishisiwe enengqondo.”
Ibhange ngokunokwenzeka lizokusiza futhi likwelule isikweletu noma linciphise isitolimende, kodwa isikhathi sesihambile lapho usuvele wehlulekile ukukhokha izitolimende zakho izinyanga ezintathu zilandelana.
Uthi kubalulekile ukuthi ushintshe nendlela osebenzisa ngayo imali ufunde ukwenqaba uma isikhungo sikunikeza isikweletu esengeziwe. “Sihlaselwe izithembiso zesikweletu nomaphi lapho siya khona okwenza kube nzima ukuziba.”
FUNDA FUTHI: Izifundo zezezimali zeminyaka yobhubhane ongazisebenzisa ngo-2023
Ukuhlanganisa isikweletu sakho kwimalimboleko yakho yezindlu
Ukuthi kuwumqondo omuhle yini kuzoncika esivumelwaneni sakho nebhange futhi kungenzeka kuphela uma inani lesakhiwo sakho lidlula inani lemali oyibolekiwe. U-Klassen uxwayisa ngokuthi kufanele uqondiswe izigwegwe ngokwanele ukuze le nketho ikusebenzele.
“Lona kuwumqondo omuhle kuphela uma usebenzisa imali ekhululwe yisikweletu kwimali mboleko yakho yokuthenga ikhaya ukuze ukhokhe isikweletu esisasele esidalwe yimali mboleko yakho yomuzi. Uma unganakile uzogcina usukhokha imali engaphezu kwenani lendawo eminyakeni engu-20.”
Uthi kuwumqondo ongcono ukusheshe ukhokhe ibhondi ngemali eyengeziwe esandleni.
Ukugwema kanjani ukuthenga ubuwula?
“Yenza uhlu lwezinto okufanele uzithenge ngaphambi kokuya esitolo bese wengeza izindleko zento ngayinye. Sebenzisa ishidi lakho lesabelomali ukuze ukhumbule ukuthi uyini umehluko phakathi kokuswela kanye nesidingo. Uma usuwutholile umehluko phakathi kwezidingo nezinto ozifunayo, kanye nemigomo yakho yezezimali yesikhathi esifushane noma yesikhathi eside, usulungele ukuya esitolo uyothenga.
