Indlela Izizukulwane Ezisebenzise Ngayo Izitokufela (Stokvels) Ukufunda Ngezezimali

Emakhaya aminingi, ukufunda yezezimali ngokomlando bekulokhu kungafinyeleleki kukho. Izingxoxo ezimayelana nokwenza ibhajethi, utshalomali noma ngemali yesikweletu bezingavamile ukuba zixoxwe etafuleni, hhayi ngoba bezingabalulekile, kodwa ngoba ukufinyelela kuzinsiza ezisemthethweni kanye nemfundo bekulinganiselwe/bekunomkhawulo. Naphezu kwalokhu, izizukulwane ziye zadlulisela ubuhlakani bazo bezimali ngendlela yazo: ngezitokufela.

Izitokufela sezidlale isikhathi eside indima eyisisekelo ekusizeni imindeni ihlangabezane nezibopho zayo zezezimali, ikakhulukazi ngenxa yokungakwazi ukufinyelela kumasistimu asemthethweni amabhange. Kungakhathaliseki ukuthi ukonga imali yesikole, eyokudla, eyemingcwabo, noma imali ezosetshenziswa ngoZibandlela (December), izitokufela zisize amalungu ukuba akwazi ukuphatha izimali, ukufunda ukulinda, kanye nomuzwa wokukwazi ukuziphendulela.

Okwenza izitokufela zibe namandla ngukuthi zifaka imigomo yokuphathwa kwezezimali okuphusile: ukonga njalo, ukuzibekela umgomo, nokunamathela kuwo/ukuwugcina. Emakhaya lapho ukufunda ngokwezimali kwakungafundiswa khona njalo, isiko lesitokufela livala lelo gebe, ikakhulukazi emindenini eholwa abesifazane. Kusukela besebancane, intsha eningi yaseNingizimu Afrika yabona omama bayo noma ogogo babo benikela ezitokufeleni nyanga zonke, befunda ukubaluleka kokuzibophezela nokuphathwa kwemali ngalokho abahlangabezane nakho.

Umthelela wesizukulwane awunakuphikwa. Ingane ekhuliswe ekhaya lapho ukukhokha esitokufeleni bekubekwa eqhulwini njalo ngenyanga ifunda ukuthi ukonga akuphoqelekile, kuyingxenye yokuphila. Leyo ngane, uma isingumuntu omdala, ingase isebenzise lezo zifundiso ukuthola imisebenzi eseceleni, ekongeni imali ngezobuchwepheshe, noma ngisho nasekutshaleni imali okusemthethweni.

Lapho ingcindezi yezezimali ikhuphuka, ikakhulukazi ngezindleko ezihlobene nezesikole nokukhuphuka kwamanani okudla, izitokufela zisalokhu ziyindlela ethembekile yokuhlala uphambili. Akuzona nje zezimo eziphuthumayo kuphela; ziyindlela yakudala yokuzithuthukisa, yokufunda, nokusinda kwezomnotho.

Uma ingekho imfundo ehlelekile yezezimali yendabuko, isitokufela  siwuphawu lokuzigqaja lokuthi imiphakathi yabampisholo baseNingizimu Afrika babusebenzise kanjani ubuhlakani njengembumba ekwakheni imikhuba yezemali ephusile, izizukulwane ngezizukulwane. Akukona nje ukonga kuphela, kumayelana nokusimamisa imindeni, ikusasa, nesithunzi sezimali.