Selokhu kwaqalwa uhlelo luka-too-pot ngoMandulo ka-2024, iningi labantu baseNingizimu Afrika abanokufinyelela ebhodweni bakhethe ukungalikhiphi.
Isizathu singase sibe yinto eyodwa: lapho abantu beqonda ukuthi isinqumo sizobabiza malini ngokuhamba kwesikhathi, bavame ukwenza izinqumo ezingcono.
Lapho iNingizimu Afrika yethula uhlelo luka-two-pot ukwesaba kwakuwukuthi abantu bazochitha imali yabo egciniwe ngokushesha nje lapho bekwazi.
Izigidi zabantu baseNingizimu Afrika zingaphansi kwengcindezi yangempela yezezimali.
Isilingo sokuthola imali ehleli esikhwameni sokuthatha umhlalaphansi sasibonakala sisobala.
Kodwa iminyaka emithathu yedatha ilandisa indaba ehlukile.
Ngokwenhlolovo ka-2025 eyenziwe yinkampani yezinsizakalo zezezimali iSanlam, cishe u-64% wamalungu awazange akhiphe ebhodweni lawo lokonga selokhu kwaqalwa uhlelo.
Kwezinye izinkundla zokuthatha umhlalaphansi, lelo nani liphakeme nakakhulu – lisondele ku-81%.
Abantu ababambezelayo akubona ngempela labo abanemali eningi.
Yilabo ababona ngokucacile ukuthi ukuhoxiswa kwemali kuzobabiza malini kamuva.
Cabanga ngalokhu: ukukhipha u-R20,000 uneminyaka engu-40 kungasho ukuthi u-R216,000 ungaphansi uma usuthathe umhlalaphansi uneminyaka engu-65, uma ucabanga ukuthi imali yakho ikhula ngo-10% ngonyaka.
Lelo akulona inani elincane. Futhi kubantu abaningi, ukubona lelo nani kushintsha isinqumo ngokuphelele.
Lokhu akukhona ukutshela abantu ukuthi bangalokothi bathinte imali yabo abayilondolozile.
Uhlelo luka-two-pot lukhona ngoba impilo iyenzeka, izikweletu ezingalindelekile, izimo eziphuthumayo zomndeni, izinyanga lapho kungekho khona okwanele.
Ukufinyelela ku-two-pot lapho udinga imali ngempela yilokho okukhona.
Iphuzu liwukuthi ukuqonda izindleko zangempela zaleso sinqumo kubalulekile. Lapho abantu benolwazi olucacile, bavame ukulisebenzisa.
Kubantu baseNingizimu Afrika abangakabi nesikhwama somhlalaphansi esisemthethweni, isifundo sisasebenza.
Isinqumo ngasinye sezezimali kungaba yimali mboleko, ukuhoxiswa kwestokvel, noma i-akhawunti yokonga oyifakile sinezindleko zesikhathi esizayo ezinkulu kunalokho ezibonakala namuhla. Imali eshiywa yodwa iyakhula. Imali ivame ukuthintwa, ayithintwa.
Uyafuna ukwazi ukuthi imali yakho ingakhula kanjani ngokuhamba kwesikhathi? Buza u-Siza Khula, umsizi wezezimali osebenzisa ubuchwepheshe be-AI wakwa-Scrolla. Ngeke usebenzise idatha yakho eningi. Yizame lapha.
Lesi sihloko sithathwe embhalweni ka-Charles Savage, oyi-CEO yakwa-Purple Group, owashicilelwa okokuqala ku-Currency News.
Esithombeni esingenhla: Indoda ephethe isikhwama semali.
Umthombo wesithombe: Pexels