Intsha Iyabuza . . .

Ingabe Kufanele Ngibe Nekhadi Lokuthenga Ngesikweletu?

“Ngathola isikhangiso sekhadi lokuthenga ngesikweletu okokuqala eposini ngineminyaka engu-16 ubudala. . . . Lapho ngiba neminyaka engu-18 ngase nginesikweletu esicishe sibe ngu-R364 000.”—UKristin.

EKUQALENI, uKristin wahlela ukusebenzisa ikhadi lakhe lokuthenga ngesikweletu lapho kunezimo eziphuthumayo—mhlawumbe leyo nto ayefuna ukuyithenga ngokuqabukela kodwa engakwazi ukuyikhokhela ukheshe. Khona-ke izinto zaqala ukungalawuleki. “Ngaqala ukuthenga ngokungacabangi futhi ngeqisa ngi-oda ngezincwadi zokukhangisa,” kuvuma uKristin. “Ngathenga izinto engangingenandaba nazo.” Manje uKristin usenombono ohlukile ngamakhadi okuthenga ngesikweletu. Uthi: “Ngangingazi ukuthi lelo khadi elincane lepulasitiki lingakonakalisa kanjani ukuphila kwami.”—Umagazini i-Teen.

Indaba kaKristin akuyona engavamile. Inani elikhulayo labantu abasha libheke enkingeni yezimali ngokusebenzisa lolo cwecwana lwepulasitiki, ikhadi lokuthenga ngesikweletu. Kwezinye izimo, izinkampane zenza okusemandleni ukuze ziyenge intsha. Cishe ziyazi ukuthi kwabaningi abashisekela ukusebenzisa imali, amakhadi okuthenga ngesikweletu aba yilokho umeluleki wezezimali uJane Bryant Quinn akubiza ngokuthi, “isidakamizwa semali.” Uthi: “Lapho esetshenziswa kakhulu, yilapho kuba nzima kakhulu ukuyeka.”

Yiqiniso, ukuba nekhadi lokuthenga ngesikweletu kungaba inzuzo—ngokwesibonelo, lapho kuvela isimo esiphuthumayo noma lapho kungekhona ukuhlakanipha ukuphatha imali. Yileso isizathu esenza ukuba amakhadi okuthenga ngesikweletu athandwe kangaka e-United States nakwamanye amazwe ngokufanayo. Nokho, uma lingasetshenziswa kahle, ikhadi lokuthenga ngesikweletu lingaphonsa olisebenzisayo ezikweletini ezinkulu. Ngakho, umbiko owanyatheliswa kuyi-Globe and Mail yaseToronto waphawula ukwenyuka ngokuphindwe kathathu “kwenani lentsha eneminyaka engu-20 kuya ku-23 esezikweletini eye yaphendukela ku-Credit Counselling Service yaseToronto ukuze ithole usizo.” Umbiko waphawula ukuthi eningi yayikweleta imali efinyelela ku-R99 000, futhi izikweletu zamakhadi okuthenga ngesikweletu ayeyimbangela eyinhloko yalesi sikweletu.

Ingabe kufanele ube nekhadi lokuthenga ngesikweletu? Lokho kunganqunywa ngabazali bakho. Uma becabanga ukuthi kufanele ulinde, bekezela. Uma uba ngohlakaniphile ekusebenziseni imali mhlawumbe ngeke kuthathe isikhathi ngaphambi kokuba abazali bakho bakunike imithwalo yemfanelo ethe xaxa ngokwezimali. (Qhathanisa noLuka 16:10.) Okwamanje, kufanele wazi ukuthi ukusebenzisa ikhadi lokuthenga ngesikweletu—njengokushayela imoto—kunakho kokubili izinzuzo nezingozi.

Ukubala Izindleko

Ukuthenga ngekhadi lokuthenga ngesikweletu kufana ncimishí nokuboleka imali. Njengakuzo zonke izimo zokuboleka, kumelwe ukhokhe lokho okubolekiwe. (IzAga 22:7) Kodwa uzikhokhela kanjani izinto ozithenge ngekhadi lokuthenga ngesikweletu?

Ngokuvamile, uthunyelelwa isitatimende ngasekupheleni kwenyanga ngayinye, esibonisa izinto ozithenge ngekhadi kanye nengqikithi yemali oyikweletayo. Isitatimende siyabonisa futhi ukuthi imalini okulindeleke ukuba uyikhokhe ngaleso sikhathi. Ngokuvamile, le mali iphansi kakhulu. Ngenxa yalokho, ungase ucabange, ‘Akukubi kakhulu. Uma nje ngikhokha imali efunekayo inyanga ngayinye, ngokuhamba kwesikhathi isikweletu sami siyobe sesiphelile.’ Nokho, inkinga iwukuthi ngemva kwenkathi yomusa yokungakhokhiswa inzalo, uyokhokhiswa imali ethile—inzalo—kuleyo ngqikithi osayikweleta. Futhi inzalo emakhadini okuthenga ngesikweletu iphakeme ngempela.a

Cabanga ngoJoseph, okwase kusele imali engu-R6 000 esitatimendeni sakhe senyanga. Yiqiniso, uJoseph kwakufanele akhokhe kuphela imali encane efanele, eyayingu-R121. Kodwa lapho ebhekisisa isitatimende sakhe, uJoseph wathola ukuthi kwakuhlanganiswe inzalo ecishe ibe ngu-R103 emalini esele yaleyo nyanga. Lokhu kwakusho ukuthi ngisho noma uJoseph ayengakhokha imali efanele engu-R121, wayeyobe enciphise isikweletu sakhe sika-R6 000 kuphela!

Kuthatha isikhathi esingakanani ukuqeda isikweletu sekhadi lokuthenga ngesikweletu uma ukhokha kuphela imali encane efunekayo? Ibhekisela esibonelweni esicatshangelwayo, incwajana enyatheliswa yi-Federal Trade Commission and American Express iyaphawula: “Uma unesikweletu sika-R12 000, esinenzalo engu-18,5% futhi ukhokha imali encane efuneka nyanga zonke, kungathatha iminyaka engu-11 ukusikhokha sonke isikweletu futhi ukhokhe imali engu-R11 720 ngaphezulu, eyinzalo nje kuphela, ecishe iyiphinde kabili imali yezinto owawuzithengile.”

Njengoba ungase ubone, uma ungaqaphile, ungangena kwezinkulu izikweletu ngekhadi lokuthenga ngesikweletu. “Cishe ngangikhokha ngokuphindwe kabili ngayo yonke into,” kusho uKristin. “Lapho ngiqala ukuba nezinkinga zokukhokha, abakweletisi bafaka inhlawulo yokukhokha sekwephuzile. Ngangingazi ukuthi kufanele ngenzeni.”

Ukulisebenzisa Kahle Ikhadi Lokuthenga Ngesikweletu

UKristin wafunda kanzima ukuthi “ukuthenga manje, ukhokhe kamuva” kungaba ingozi. Izikweletu zinganda, ngaphambi kokuba uqaphele, imali encane okufanele uyikhokhe nyanga zonke ingakhokhela inzalo kuphela. Abawasebenzisa kahle amakhadi bakugwema kanjani ukuwela ogibeni lwezimali olunjalo?

● Bagcina umbhalo walokho abakuthengile futhi bahlole izitatimende zanyanga zonke ngokucophelela ukuze baqiniseke ukuthi bakhokhiswa imali yezinto abazithengile kuphela.

● Bakhokha izikweletu zabo ngesikhathi, beqaphela ukuthi igama elihle ekuthengeni ngezikweletu kungenzeka libe usizo kamuva—mhlawumbe lapho wenza isicelo somsebenzi noma somshuwalense noma lapho ukhokhela imoto noma indlu.

● Uma kungenzeka, bakhokha imali ephelele abayikweletayo ukuze bagweme ukukhokhiswa inzalo ephakeme emalini esele.

● Abanikezi noma ubani inombolo yekhadi labo lokuthenga ngesikweletu nosuku lokuphela kwalo ngocingo ngaphandle kokuba bemazi lowo muntu noma inkampane abasebenzelana nayo.

● Abatsheleki muntu ikhadi labo lokuthenga ngesikweletu, ngisho nomngane. Phela, yirekhodi lokuthenga ngesikweletu lomnikazi wekhadi eliyothinteka uma ikhadi lisetshenziswa kabi.

● Bayakugwema ukusebenzisa amakhadi abo njengendlela yokuthola imali ngokushesha, njengokungathi liyikhadi lasebhange. Khumbula, ngokuvamile imali ekhishwa emshinini inenzuzo enkulu kakhulu kunekhokhela izinto ezithengiwe.

● Abagcwalisi futhi bathumele amafomu ezicelo zamakhadi okuthenga ngesikweletu abawatholayo. Entsheni eningi, ikhadi elilodwa lanele.

● Basebenzisa amakhadi abo okuthenga ngesikweletu ngenhlonipho, beqaphela ngokugcwele ukuthi uma bethenga ngawo, basachitha imali engokoqobo, ngisho noma bengasebenzisi imali engamaphepha noma eyizinhlamvu.

Ukujabulela Izinzuzo

Kungakhathaliseki ukuthi unekhadi lokuthenga ngesikweletu manje noma ucabanga ukulithola maduze nje, jwayelana kahle nakho kokubili izinzuzo nezingozi. Zibuze le mibuzo elandelayo: Kungani nginomuzwa wokuthi ngidinga ikhadi lokuthenga ngesikweletu? Ingabe ngimane nje ngifuna izinto ezibonakalayo, ukuba namafashini, ukuhlaba umxhwele abangane bami? Ingabe kumelwe ngifunde ukwaneliseka kakhudlwana ngezinto eziyisisekelo, ngalokho umphostoli uPawulu ongumKristu akubiza ngokuthi ‘okokuzisekela nokokuzimboza’? (1 Thimothewu 6:8) Ingabe izikweletu zekhadi lokuthenga ngesikweletu zizongiholela emithwalweni enzima ngokwezimali, eyongenza ngilahlekelwe umbono wezinto ezibaluleke ngokwengeziwe ekuphileni?—Mathewu 6:33; Filipi 1:8-11.

Zindla ngale mibuzo, futhi uxoxe ngayo nabazali bakho. Uma wenza njalo, kungakhathaliseki ukuthi unekhadi lokuthenga ngesikweletu noma cha, uyogwema ubuhlungu obungokwezimali abaningi abaye bazilethela bona.—IzAga 22:3.

[Umbhalo waphansi]

[Ibhokisi ekhasini 19]

Ukubaluleka Kwemvume Yabazali

Intsha eningi ithola ithuba okokuqala lokuba izitholele awayo amakhadi okuthenga ngesikweletu lapho ithola ifomu lokwenza isicelo ngeposi. Empeleni, ngemva kwesikhathi esithile, abanye bathola amafomu amaningi. “Kunomncintiswano omkhulu phakathi kwezinkampane ezikhipha la makhadi wokudlulisela amakhadi okuthenga ngezikweletu entsheni,” kuchaza uJane Bryant Quinn, “ngoba ukuhlola kubonisa ukuthi sithambekele ekugcineni ikhadi esaqala ngalo.”

Ngokuvamile umzali noma omunye umuntu omdala onomlando wokuthenga ngesikweletu kumelwe asayine ifomu lesicelo sekhadi lokuthenga ngesikweletu ukuze leyo nkampani ekhipha amakhadi ibe nesiqiniseko esithile sokuthi izinto ezithengwayo ziyokhokhelwa. Ngokudabukisayo, intsha eningi isebenzisa ubuqili bokugwema lesi sinyathelo. Omunye osemusha wabhala igama likagogo wakhe njengomuntu oyinhloko owenza isicelo kanye negama lakhe njengohlanganyela nogogo wakhe kodwa ugogo engazi. Cabanga ngendlela amangala ngayo ugogo wakhe lapho ethola ukuthi ukweleta amashumi ezinkulungwane zamaRandi!

Ukuzama ukusayina isignesha yomzali noma yomunye umuntu omdala uma wenza isicelo sekhadi lokuthenga ngesikweletu kuwukungathembeki, futhi uNkulunkulu uyakulahla ukungathembeki. (IzAga 11:1; Heberu 13:18) Ngakho uma ufuna ikhadi lokuthenga ngesikweletu, xoxa nabazali bakho ngakho. Ukuthola imvume yabo kungcono kakhulu. Khumbula, abazali bakho cishe banokuhlangenwe nakho ekukhokheni izikweletu, futhi bangakunikeza iseluleko esinengqondo. Ngakho xoxa nabo, futhi ungaphendukeli ezindleleni zobuqili ukuze uthole ikhadi lokuthenga ngesikweletu.

[Isithombe ekhasini 18]

Ukusebenzisa ikhadi lokuthenga ngesikweletu ngokungadingekile kungaholela enhlekeleleni ngokwezimali