Riaan 
Wonke umuntu uyayazi indaba yomuntu othile ohlala endaweni evikelekile noma endaweni, ongakwazi nje ukuhlala ngokuthula nezinye izakhamuzi, noma onenkinga yokuhambisana nezinkokhelo eziningi, okwenza ukuphila okuyinkimbinkimbi kuzwakale njengephupho elibi lasedolobheni.
Ukuphila okuyinkimbinkimbi, noma izinhlelo zomphakathi njengoba zibizwa kanjalo ngokomthetho, zaduma ngoba izakhamuzi zazikholelwa ukuthi ziphephe kakhudlwana njengoba kunesango elilodwa kuphela lokungena nezokuphepha, nangenxa yokuthi ngokuvamile lalithengeka kakhulu kunokuthenga noma ukuqasha indlu ezimele.
Izikimu zomphakathi zingamalungiselelo okuhlala lapho kukhona ukusetshenziswa ngokuhlanganyela kanye nomthwalo wemfanelo womhlaba nezakhiwo, njengamatayitela ezingxenye, izinhlangano zabanikazi bezindlu, izindawo zokuhlala, imifelandawonye yezindlu, nezinkampani zamabhlogo.
Uma ufuna ukuhlala endaweni eyinkimbinkimbi, ungakhetha noma yini kusukela efulethini kuya ezindaweni ezibizayo nasezindaweni zomhlalaphansi, kodwa lawa mayunithi wonke afika nesethi yemithetho kanye nebhodi lama-trustee elithatha izinqumo ukuthi wonke umuntu ohlala lapho ngeke abe khona. ngijabule nge.
Kodwa-ke, unamalungelo kodwa ukuqala ngawo, kuyasiza uma wazi ukuthi yini okufanele uyibheke ngaphambi kokuthi ubhalisele ukuphila okuyinkimbinkimbi. Kubalulekile ukucabangela izici ezihlukahlukene ngaphambi kokusayina emugqeni wamachashazi.
FUNDA FUTHI: Ungazivikela kanjani ekwakhiweni kwamaphupho amabi
Hlola ngaphambi kokuthi usayine
Into yokuqala okufanele uyihlole ngaphambi kokusayina isithembiso sokuthenga ukuthi ingabe likhona yini ilungelo lokunweba elikhona.
Okwesibili hlola ukuthi ukhona yini umkhawulo wesikhathi, ngoba uma lungekho usuku noma umkhawulo enanini leminyaka, leli lungelo lingasetshenziswa noma nini. Lokhu kubhekisela elungelweni umthuthukisi azigodlayo lokuthuthukisa amanye amayunithi endaweni evamile yohlelo.
Lokhu kubaluleke kakhulu uma ufuna ukuhlala futhi uqhubeke uhlala endaweni encane.
Kubalulekile futhi ukuthi uhlole kahle ukuthi uzoba yini impahla noma indawo othenga kuyo. Ingabe leyo ingadi encane, ivulandi noma indawo yokupaka ingasetshenziswa nguwe kuphela? Ubani onesibopho sokunakekela lezi zindawo? Ingakanani-ke intela yakho?
Okubaluleke kakhulu kubantu abaningi kuzoba ukubheka imithetho yefa futhi lokhu kungakhathaliseki ukuthi uyathenga noma uyarenta.
Ingabe usathanda ukuhlala lapho uma kufanele unamathele emithethweni? Imithetho iyingxenye yetayitela ngakho-ke kufanele ilandelwe, futhi kungabiza ukuyibekela inselelo uma ususayine inkontileka yokuhlala lapho.
Bheka futhi ilungelo lesandiso, elihlobene nokunwetshwa kohlelo lwesihloko sesigaba ngokungeza izingxenye noma izindawo ezizosetshenziswa ngokukhethekile. Isikhathi salokhu sibalulekile futhi, ngoba uma singasungulwa, leli lungelo lingasetshenziswa nganoma yisiphi isikhathi.
Kufanele futhi uqiniseke ukuthi uzoba yini eyakho lapho uthenga khona. Ingabe ingadi encane, ivulandi noma indawo yokupaka ingasetshenziswa nguwe kuphela futhi ubani onesibopho sokuyinakekela? Lokhu kuzoyithinta kanjani intela yakho? Thola ukuthi yimalini ozoyikhokha inyanga ngayinye kanye nonyaka ukuze uqiniseke ukuthi iyangena kusabelomali sakho.
Nakuba eminye imithetho ilawula lokho ongakwakha nokuthi indlu yakho kufanele ibukeke kanjani, eminye imithetho ilawula izinkonzo kanye nezinhlawulo zokungaziphathi kahle, ukwephulwa kwemithetho noma ukungakhokhi intela.
FUNDA FUTHI: Konke mayelana nokwenyuka kwezinga lenzalo nendlela okuthinta ngayo izimali zakho
Izintela zanyanga zonke
Thola futhi ukuthi yimalini amalevi nokuthi ngeyani. Amalevi avamile ngokuvamile ahlanganisa izindleko zokusebenza kanye nokunakekela noma ukulungisa, kuyilapho amalevi akhethekile ezezindleko ezingabekelwe isabelomali futhi awagunyazwanga yiwo wonke amalungu enhlangano elawulayo, nakuba abaphathiswa kufanele badlulise isinqumo ngakho.
Abanikazi bamatayitela ezigaba bakhokha amalevi ngokulingana nosayizi weyunithi abanayo futhi amalevi akhethekile abalwa ngendlela efanayo.
Abanikazi bangakwazi ukubekela inselele isidingo se-levy ekhethekile kodwa inhlangano yebhodi kufanele ifake ukunikezwa okufanele kwezimo eziphuthumayo kanye nokunakekelwa.
Indima yenkampani yomzimba
Bonke abanikazi bayingxenye yebhodi lebhodi futhi banomthwalo wemfanelo wokukhetha abaphathiswa abathembekile, abazimisele futhi abakwazi ukwenza umsebenzi. Kufanele futhi baqinisekise ukuthi kuqokwa i-ejenti ephethe enegama elihle nokuthi isabelomali senziwa ngendlela efanele nangendlela efanele kanye nesikhathi esihlongozwayo seminyaka emihlanu kanye neminyaka eyishumi.
Kufanele kube nenqubo efanele yokuqoqa izikweletu ukuze kugcinwe isikweleti sibe sincane. Amalungu kufanele aqinisekise ukuthi ama-trustees ahlangana njalo nokuthi ukukhokhelwa kwabakweletayo kulawulwa ngendlela ukugwema ukukweleta.
Kubalulekile ukuthi abanikazi bawo baye emhlanganweni wonyaka, ngoba lena yindawo engcono kakhulu yokuthola ukuthi imali yakho ishonaphi futhi uveze ukukhathazeka onakho.
FUNDA FUTHI: Umnikazi wangaphambili wendlu yakho ukhohlwe ukukutshela ngophahla oluvuzayo? Nakhu okumele ukwenze
Iqhaza lama-trustees endaweni eyinkimbinkimbi
Abaphathiswa kufanele baqoke ama-ejenti nabasebenzi, okuhlanganisa ne-ejenti ephethe, baqinisekise ukuthi banemali edingekayo ukuze benze imisebenzi yabo futhi bathenge noma baqashe amathuluzi okunakekela indawo.
Kufanele futhi basungule futhi banakekele izinsiza, izingadi kanye notshani endaweni eyodwa, bathole izinsiza ngokwenza inkontileka nabahlinzeki bezinsizakalo futhi batshale izimali ezingadingeki ngokushesha.
Abaphathiswa nabo banomthwalo wemfanelo wokuvumela izingxenye zesakhiwo somphakathi kubanikazi nakubantu abahlala kuzo, njengezindawo zokupaka izimoto, ukufinyelela ezigabeni nasezindaweni ezisetshenziselwa ngokukhethekileyo ukunakekela kanye nokudlulisela imisebenzi kubaphathi abathile lapho kudingeka khona.
Kumelwe futhi banqume, baqoqe futhi balawule izintela, bavule futhi bagcine i-akhawunti yasebhange, baqinisekise konke ukuthuthukiswa kwezakhiwo, bagcine impahla evamile, bagcine amaminithi, futhi bagcine futhi balawule wonke amarekhodi, okuhlanganisa namarekhodi ezezimali akho konke ukuthengiselana.
Abaphathiswa kufanele futhi bagcine irekhodi lemithetho yokuziphatha yamanje, bahlele futhi baqhube umhlangano omkhulu wonyaka futhi uma kunesidingo, imihlangano emikhulu ekhethekile futhi balungise imibhalo ethulwa emhlanganweni wonyaka, okuhlanganisa isabelomali kanye nezitatimende zezimali ezicwaningiwe.
Kubaluleke kakhulu ukuthi abaphathiswa bagcine amarekhodi afanele ezezimali futhi kufanele babhale yonke imali etholiwe noma esetshenzisiwe. Izitatimende zezimali ezifanele kufanele zilungiswe futhi zicwaningwe yinkampani yamabhuku ezimali futhi kufanele zisayinwe ngabaphatheli kanye nomcwaningi mabhuku.
Ama-Trustees angasuswa ezikhundleni ngokuzenzakalelayo lapho inhlawulo yabo isikweleta izinsuku ezingama-60, lapho besula, noma kuthiwa ngokomthetho abaphilile engqondweni, bephucwa impahla noma balahlwa yicala elihlanganisa nokungethembeki.
FUNDA FUTHI: Ingabe ikhaya lamaphupho akho seliphenduke i-dud ngemva kokuthenga? Kukhona usizo
Ubani obheka izinhlelo zomphakathi?
I-Community Schemes Ombud Service (CSOS) yasungulwa ngokoMthetho Wezinkonzo Zomxazululi Wezinhlelo Zomphakathi ukuze kulawulwe ukuziphatha kwamaqembu ezinhlelweni zomphakathi kanye nokuqinisekisa ukubusa okuhle.
Ngaphambi kokusungulwa kwe-CSOS yayingekho inhlangano elawulayo ukubhekana nezikhalo nezingxabano futhi kwakungekho nokuqapha mayelana nokulandelwa kanye nokuphathwa kwezinhlelo zomphakathi.
Ukusungulwa kwe-CSOS kwakuklanyelwe ukuvala lesi sikhala sokulawula ukuze kuqinisekiswe ukugqugquzelwa kokubusa okuhle kanye nemfundo yabathengi.
I-CSOS ibhekana nezindaba zezezimali, zokuziphatha nezokuphatha, kanye nezindaba ezithinta imihlangano, izinsizakalo zokuphatha, izindawo ezizimele nezijwayelekile kanye nezinye izindaba ezijwayelekile. Lokhu kubandakanya izindaba ezifana nezindaba zokuziphatha (umakhelwane odlalela phezulu umculo nokwehluleka kwabaphathiswa ukubhekana nesikhalo), intela engalungile nengenangqondo kanye nokuphasiswa kwezinqumo emihlanganweni emikhulu yonyaka.
Vakashela ihhovisi lika-ombudsman ku www.csos.org.za uma ufuna ukukhononda noma unolwazi olwengeziwe.
