Kungena Kwemali, Kubita kanye Nemali Leyakhekako ngeKulima

© Marinda Louw

Uma ucala kulima, noma ngisho nawuvele sowunalo lipulazi, umlimi udzinga kwati ngekubita kanye netindlela temali tekulima. lelisu lekulima, ngemuva kwakokonkhe, kutsi wakhe imali.
Indlela lengiyo lebalulekile kutsi utsatse inali loyakhile lesengakatsatfwa, kubitsa kwemkhicito, imali lesemgceni, imali loyitfola ngemuva kwekukhokhwa kwalenye kanye nemali lephelele-lenganako ngekulima.

Imali Leyakhiwe Lesengakahleshulwa yeLipulazi

©Marinda Louw
Imali leyakhiwe isisindvo salokukhicitwe ngekulima. Ibalwa ngekungetwa Kwemphumela wemandla (mangakhi emathani emmbila lakhokhiwe, njengentfo lenjalo) nelinani laloko lokukhicitiwe (emaRandi nge lithani). Imali leyakhiwe lesengakahleshulwa yemnyaka isibalo senhlanyelo yonkhe, noma imfuyo, lekhicitwe ngesikhatsi sinye semnyaka.

Kubita Kwetintfo Letikhicitwako

Lokunye lokubitako lokunesisindvo ekungeneni kwemali yalokulinyiwe kunganakekeleka, kube lokunye kungeke. Fana nekutsi, balimi angeke sonkhe sikhatsi bagadze linani labalitfolako ngetintfo tabo labatikhicitile, ngako indlela lencono kutsi kuncishiswe lokubita kwaletintfo letikhicitiwe. Kubita kwemikhicito ngetekulinywa kungabekeka ngekuhlukahlukana kwelinani kanye nelinani lelihlangene.
Kubita Lokwehlukahlukene
Kuhlukahlukana kwekubita kubita kwesikhashana lesimfisha fana netinhlavu, gasolina netintfo letimanti, manyolo, bantfu labacashiwe labasebentako (imiholo), gesi, emanti ekunisela, umutsi wekubulala titjalo kanye nemutsi wekubulala tilwanyana kanye nekupakisha tintfo.
Kubita Lokuhlangene
Kubita lokuhlangene kubita lokuhlala kufana ngisho nomangabe bukhulu noma buncane balelipulazi. Imifanekiso yalokubita lokuhlangene kubita kwemali yekucalela ngekutsenga imishina yelipulazi (e.g. sigulumba), tisebenti leticashiwe, (imiholo) nekubhadala imali yenyanga yendzawo. Ngekubuka kwebaphatsi, kubita lokuhlangene lokusetulu kuvame kufakelana kushisa ngemali leyakheka kulelipulazi futsi kumele linakekelwe kahle. Kuncipha ekubiteni lokuhlanganisiwe, ngaphandle kwekuphatamisa umkhicito, kungakhulisa imali leyakhekile.

Imali Letfolwako Lengakahleshulwa

Lithuluzi lelilula lekuchaza kusebenta kwelipulazi ngulokutfolwa kwemali lengakahleshulwa. Lemali lengakahleshulwa ibaleka malula ngekutsi kususwe kubita lokuhlukahlukene (tindumbu, gasoline, kudla nalokunye.) Kusuka kulemali lengenile lesengakahleshulwa. Uma imali lengakahleshulwa yakheka kusuka kunhlanyelo letsite ngekucutsanisa nalokunye (e.g. ummbila ucudzelene nabhekeni), ngako lokuningi kwalenhlanyelo kungalinywa.

Imali Leyakheka Epulazini Leliphelele

©Marinda Louw
Lemali leyakhekako yelipulazi lakho ingabaleka ngetindlela letimbili:
Yekucala, ngekuhlanganisa lemali lengakahleshulwa yelipulazi linye (e.g. lemali lengakahleshulwa yemmbila naleyo yabhekeni) bese kutsatfwa lelinani lelihlangene.
Lenye indlela, ngekubekisa imali yentsengo yelipulazi linye kanye nekungetetela ngetulu. Umphumela longiwo wekugcina umelela lemali leyakhiwe yelelipulazi leliphelele.
Imali lengenako lephelele yelipulazi ikala lokucina kwemnotfo webhizinisi kanye nekukhomba kutsi imali ingakanani lekhona kutsi ivale tidzingeko temndeni, imitselo kanye nekufakela phindze epulazini, fana nekutsenga noma kukhokhela njalo ngenyanga indzawo leningi.

Translated by Phindile Malotana