Iinkolodo

Isikolodo kukulokha uboleka inani elithileko lemali emuntwini nofana ebulungelweni lemali bese uzibophe bona uzoyibuyisa nini begodu bunjani. Esikhathini esiphila kiso ukwenza isikolodo sele kuyinto ejwayelekileko begodu kuyindlela yokuphila^[1].

Imihlobo yeenkolodo

Isikolodo seentolo

Isikolodo seentolo ngilesi osenza lokha nawenza ikharada lesitolo esithileko bese uthatha ngalo izambatho ngesikolodo bese ubhadele kancani kancani imali oyikolodako njalo ngenyanga. Nawubhadela kuhle eentolo lezi bakukhuphulela Amandla wokuthuthenga okutjho bona bakhuphula inani lesikolodo ongasenza lokha ngokuthenga izambatho isikolodo^[2].Isikolodo sepahla sigenziwa ngunynana ngubani umuntu ongakghona ukuthi abuyisele imali yepahlal ayithetheko esitolo athenge kiso. Isitolo esinye nesinye siyasivuma bonyana abantu bathenge ipahla ngesikolodo.

Isikolodo sepahla

Lokha nawufuna ukuthenga ipahla yangendlini unganamali yokuthenga ngasikhathi sinye, uyakghona ukupha I diphozidi bese imali eseleko uyikhiphe kancani kancani ngenyanga. Isilokodo lesi basifaka amakonyana ngombana bakwenzele umusa bokuthi ukghone ukubhadela ngengcezu. Okumbi ngesikolodo lesi kukuthi lokha nawubhalelwa kubhadela kuhle ipahla oyithetheko abantu besitolo leso bayabuya bazokuthatha ipahla yabo.

Isikolodo sebulungelweni lemali

Ebulungelweni lemali ukghona ukwenza silokodo semali oyifunako ukuya ngokokuthi wena ukghola imali engangani lapho usebenza khona.Lokha nawenza isikolodo lesi kubanephepha lesivumelwano olitlikitlako elitjho bona uzokubhadela njani. Ungenza isikolodo semali ufuna ukwakha indlu, ufuna ukuthenga imodere, ufuna ukuyokubhadela iindleko zokufunda, nokwenza okhunye okuqakathekileko. Ebulungelweni lemali, imali obakoloda yona ugcina sele uyibuyisela nakonyana ngombana kibo ukuboleka umuntu imali kuyirhwebo^[3].

Ubuhle bokwenza isikolodo

Isikolodo siyakghona ukukulekelela ukghone ukufeza iindingo zakho msinya nanyana unganamali. Isikolodo singakukhupha emrarweni wemali oqalana nawo lokha nawufuna ukwenza into. Isibonelo umuntu angaboleka imali ebulungelweni lemali ukuyokubhadela ifundo yamaziko aphezulu ukuthi akghone ukuthola iziqu zakhe^[4]. Abantu bakghona ukwenza iikolodo ukuze kuze bakghone ukuthuthukisa amaphilo wabo bese kuthi sele bacedile ukwenza njalo bese bavala iinkolodo zabo. Ukwenza isikodo kugenye yeendlela zokulekelela abantu bakghone ukuphila nanyana banganayo imali

Ubumbi bokwenza isikolodo

Lokha nawenza isikolodo ungangcina sele ubhadela imali edlula leyo gade uyibolekile. Ebulungelweni lemali bafaka amakonyana phezu kwemali leyo oyibolekileko ugcine sele ubhadala imali enengi^[5]. Abanye bagcina sele benza iiinkolodo ezinengi khulu bese bahlulwe kuzibhadela bazithole sele banegama elimbi lokungabhadeli iinkolodo.Lokha nawubuyisela imali oyiboleke ebulungelweni lemali ungagcina sele uhlala unganamali ungakghoni nokondla umndeni wakho kuhle nangebe unganabo ubuhlakani bokusebenzisa imali.

Ubumbi bokuboleka imali kukuthi lokha nawuhlulwa kusibhadela ngesikhathi isikolodo ungavela njengomuntu ongakathembeki bese bakufake encwadini enzima ugcine sele ungasakghoni nokuboleka imali kwezinye indawo ngombana kuzokuvela kizo zoke indawo bona wena umumuntu ongakghoni ukubhadela isikolodo^[6].Isikolodo kuyinto engamsiza omunye umuntu. Kufanele lokha anwenza isikolodo usenze wazi bona uzosibhadela njani begodu uqinisekeise bona ukghona ukuphila nasele ubhadela isikolodo. Nawenze isikolodo kufanele ubalekele ukuba negama elimbi lokungabhadeli ngokuthi ubhadele kuhle ngesikhathi isikolodo sakho.

Iinkomba

↑ Debt: What It Is, How It Works, Types, and Ways to Pay Back
↑ https://legaladvice.org.za/what-happens-if-you-don-t-pay-your-clothing-account-in-south-africa/
↑ Hollander, S. and Verriest, A., 2016. Bridging the gap: the design of bank loan contracts and distance. Journal of Financial Economics, 119(2), pp.399-419.
↑ Pros and cons of debt - Economics Help
↑ Blanchard, O., 2019. Public debt and low interest rates. American Economic Review, 109(4), pp.1197-1229.
↑ Opwaka, R.P. and Wanyoike, D., An Assessment of the Attitudes of Blacklisted Bank Clients on Their Bank Use: A Case of Blacklisted National Bank Clients in Nakuru. Vancouver

[1] Debt: What It Is, How It Works, Types, and Ways to Pay Back

[2] ttps://legaladvice.org.za/what-happens-if-you-don-t-pay-your-clothing-account-in-south-africa/

[3] Hollander, S. and Verriest, A., 2016. Bridging the gap: the design of bank loan contracts and distance. Journal of Financial Economics, 119(2), pp.399-419.

[4] Pros and cons of debt - Economics Help

[5] Blanchard, O., 2019. Public debt and low interest rates. American Economic Review, 109(4), pp.1197-1229.

[6] Opwaka, R.P. and Wanyoike, D., An Assessment of the Attitudes of Blacklisted Bank Clients on Their Bank Use: A Case of Blacklisted National Bank Clients in Nakuru. Vancouver

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