Abasifazane kanye nezimali zabo e Ningizimu Afrika
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Abasifazane kanye nezimali zabo e Ningizimu Afrika

Akungabazeki ukuthi ulwazi lwezezimali labantu lungahlangana ngqo nempilo jikelele yezomnotho. Kuyinzuzo enhle esizweni ukucinisekisa ukuthi wonke muntu unikezwa ulwazi nokhono olufanele nokufinyelela imininingwane efanele futhi ngaleyondlela kubenza bathathe izinqumo zezimali ezifanele  ngokwabo kanye nemindeni yabo.

Nokho, kwi zimo eziningi abesifazane abanikezwa isilinganiso esifanayo njengamadoda uma kuza ngokunyusa amazinga abo ngolwazi lwezezimali. Umehluko phakathi kwabesifazane kanye nozakwabo besilisa, uma kuza ngezezimali, kugcizelelwe yisi Gungu Sezemisebenzi Yezezimali, Financial Services Board (FSB) kucwaningo olwenziwe lwesisekelo ngo 2012 luthole ukuthi abesifazane bathole amaphuzu angaphansana kwamadoda kuzo zonke izindawo  ngamaphuzu angu 55 umakuqhathaniswa namadoda aphuzu angu 58.

Lokhu, kungakhathalekile ukukhula kwe datha eqhubeka ikhombisa abesifazane njengabasebungozini ngezezimali kodwa bahlale bemadolonzima ukuthola usizo lochwepheshe ngokuhlela izimali zabo. Lo umbiko wocwaningo ovezwe i FSB uthole ukuthi abesifazane abengaphansi kuka 20% ababefuna usizo lochwepheshe ngezezimali ngaphakathi kwezinyanga ezingu 12 ezandulela. Ukudaluleka kobungozi kuvezwe futhi kumbiko wakamuva ovela kwa TransUnion SA  ukhombise ukuthi 47% yabesifazane base Ningizimu Afrika abasebenzisa isikweletu basemuva ngokukhokhela ama-akhawunti wezigubo zabo futhi abasifazane bakha u53% wabathengi be Ningizimu Afrika abasebenzisa isikweletu.

Isidingo sokwandiswa kolwazi ngezezimali phakathi kwabasifazane kufanele kube kubaluleka kazwelonke ngezizathu eziningana. Zona zihlanganisa:

·     Abesifazane cishe babe negunya lokuphathwa kwemali nsuku zonke ezindlini zabo

·     Abesifazane banegunya elikhulu loku khulisa imindeni yabo futhi badlala indima enkulu ekufundiseni izingane zabo imikhuba ngezezimali okuyinto ebazo khula ngayo ukuya ebudaleni. Uma abesifazane banolwazi olungcono ngezezimali banethuba lokundlulisela imikhuba engcono ngezezimali ezinganeni zabo.

·     ENingizimu Afrika kulinganiselwa ukuthi ngaphezu kuka 40% wamakhaya aholwa abesifazane

·     Abesifazane baphila isikhathi eside futhi ngokuvamile bahola ngaphansi kozakwabo besilisa ngakhoke bese kudingeka baqaphele ukuqinisekisa ukuthi banemali eyanele ngekusasa. Kuye kwabikwa  ukuthi owesifazane udinga 15% ngaphezu kwe ndonda yeminyaka yobudala efanayo ukuhlinzekela isikhwama sempesheni engenayo kwisikhathi esilinganiselwako esaphila.

Esikhathini esedlule, ngokwesiko kwakungu msebenzi wendoda ukuthatha izinqumo ezinkulu zezimali, kanjalo abesifazane benethemba lokuthi izidingo zabo zizonikezelwa ngokufanele. Nokho, abesifazane abaningi ngokungeziwe bathola indlela kanzima ukuthi umshado/ukwethembela kwabanye akusona isicinisekiso sekusasa esilondelekile ngokwezimali. Akukho noyedwa kubahleli bezezimali ongashoda ngokukutshela ngendaba okungenani eyodwa lapho umfelokazi aye wathole ukuthi umlingani wakhe akazange abe nekhava yomshwalensi wokuphila nakuba wayeqinisekile kade  wayenza. Noma owesifazane osondele ukuthatha umhlala phansi aqinisekisile ukuthi umlingani wakhe wenze ukwabiwa okwamukelekile komhlalaphansi kuphela wathola kungenjalo.

Abesifazane kudingeka belawule kahle isiqu sezezimali zabo

ULelane Bezuidenhout, ungumhleli wezezimali oqinisekisiwe (CFP®), futhi uyimananje yezitifiketi kwiSikhungo soKuhlela ngeZimali (Financial Planning Institute) unikeza abesifazane amacebiso alandelayo umakuziwa ngokuhlela zezimali:

 

1.   Yazi imilinganiso yakho uma kuza kwezezimali - sebenzisa umeluleki wezezimali ogunyaziwe ukuze usizakale futhi ungayishiyi isikhathi eside kakhulu. Sikuma.

2.   Iba nencwadi yamafa eskhaleni – asithandi ukucabanga ngokufa noma izintela –kodwa imiphumela yokungenzi njalo ingaba mibi kulaba obathandayo.

3.   Ibhajethi – futhi uma unowakwakho – yenzani ibhajethi ndawonye. Kuyamangaza ukuthi ubanokuthula okungakanani  uma wazi ngokwenzakayo ngezindaba zemali yakho.

4.   Ungasebenzisi imali ngaphezu kwe holo lakho.

5.   Ukheshi yinkosi – zama ukungathengi lokhu okuthandwa inhliziyo yakho ngesikweleti.

6.   Uma anawo ama-akhawunti wasezitolo – thatha umshwalensi ukuze ukhave imali engakhokhiwe uma kwenzeka okuthile kuwe.

7.   Wongela umhlalaphansi wakho. Ngokuqinisekile awumncane kakhulu ukuba uqale ukongela lenjongo.

8.   Iba nokuzimela okuthile ngokwezimali.

9.   Yiba nesikhwama sezimo eziphuthumayo kwizimo ezingalindelwe.

10. Qinisekisa impilo yakho ibhaliswe kumshwalense okahle. Ingabe ukhava impilo, ukukhubazeka noma ikhava ukugula okunzima, akunangozi ukubukeza ukuba isimo sakho simi njani okwamanje. Kuvamile kakhulu ukuthi sicabange ukuthi sineminqubomgomo eminingana – kodwa ingabe iyokwanela ngalolosuku uyidinga?

11.  Umshuwalense wesikhashana -  buyakeza umshwalense wakho – isiphi ishakhiwo sensalela onaso endaweni. Qinisekisa ukuba uvisisa isakhiwo sensalela ngokuba siyehluka kwinkampani yomshwalense yinye ukuya kwenye.

12.  Lawula ngokufanele izimali zakho ngelihlo elicaphile ubukeze okungenhla.

Ukuthola uMhleli weZezimali oQinisekisiwe endaweni yangakini vakashela iwebsite yakwa Financial Planning Institute ku www.fpi.co.za

Akukho ukungabanza ukuthi abesifazane bathuthukela lapho ngamphambilini kwakugxile abesilisa, hhayi kuphela emsebenzini kodwa njengezinhloko zomndeni futhi bathatha izincumo ezibalulekile ngokwamakhono abo.  Ngalentuthuko ekhona eyandako kunesidingo esikhulu ukuba abesifazane bazimele futhi balawule ikusasa labo ngezezimali.

Tammy Peyper

Imenenja: uMnyango Wezemfundo Zabathengi

isiGungu Semisebenzi Yezezimali (Financial Service Board)

Tamrynne.peyper@fsb.co.za