Indima yebhanki enguvimba kuqoqosho oluphuhlayo?

Ibhanki ephakathi idlala indima ebalulekileyo ekubangeleni uhlengahlengiso olufanelekileyo phakathi kweemfuno kunye nokunikezelwa kwemali. Ukungalingani phakathi kwezi zimbini kubonakala kwinqanaba lexabiso. Ukunqongophala konikezelo lwemali kuya kuthintela ukukhula ngelixa i-excess izakukhokelela ekwenyukeni kwamaxabiso. Njengoko uqoqosho lukhula, imfuno yemali inokuthi inyuke ngenxa yokwenza imali ngokuthe ngcembe kwecandelo elingenzi mali kunye nokunyuka kwemveliso yezolimo neyemizi-mveliso kunye namaxabiso.

Yintoni umdla?

Inzala lixabiso lokusebenzisa imali yomnye umntu. Xa uboleka imali, uhlawula inzala. Inzala ibhekisa kumagama amabini azalanayo kodwa ahluke kakhulu: nokuba yimali ebolekwayo ayihlawulayo ebhankini ngeendleko zemboleko, okanye imali efunyanwa ngumnini-akhawunti ngokushiya imali ngasemva. Ibalwa njengepesenti yemali-mboleko (okanye idiphozithi), ihlawulwe ngamaxesha athile kumbolekisi ngelungelo lokusebenzisa imali yakhe. Isixa-mali sidla ngokuchazwa njengexabiso lonyaka, kodwa inzala ingabalwa ixesha elide okanye elifutshane kunonyaka omnye.