Uzilungiselela kanjani ngokwezimali ukuba ngumama
Ukungena emhlabeni wokuba ngumama isikhathi senjabulo enkulu nesasasa kodwa kungase kube isikhathi sokucindezeleka nokungaqiniseki.
UJohn Manyike, oyiNhloko yeFinancial Education at I-Old Mutual , ithi, “Phakathi nokukhulelwa, abazali abakhulelwe benza ucwaningo oluningi nge-trimesters ehlukahlukene, ukuzalwa ngokwako kanye nendlela yokunakekela umntwana. Ukuhlelwa kwezimali akuvamile ukuba kubekwe eqhulwini lapho kulungiselelwa ukwengezwa okusha emndenini. Kodwa ukuqinisekisa ukuthi izimali zakho ziyalawuleka kungaqeda izingcindezi ezingadingekile, kunciphise ukukhathazeka futhi kunikeze abazali abasha ukuzethemba nokuthula kwengqondo ukuze basijabulele ngokugcwele isahluko sabo esisha ekuphileni,” kunezela uManyike.
Okubalulekile, ukuhlela kahle izimali zakho kungakusiza ube nomntwana onempilo. Ngo-April 2017, i-Ohio State University yenza ucwaningo ngemiphumela yokucindezeleka - njengobunzima bezezimali, izimpawu zokucindezeleka, ukucindezeleka okuqondene nokukhulelwa, ukucindezeleka okubonakalayo nokukhathazeka okuvamile - komama abakhulelwe kanye nezingane zabo. Ucwaningo luveze ukuthi lezi zinkinga ngesikhathi ukhulelwe zingaba nomthelela ekutheni ingane yakho ibe nesisindo esingaphansi ngesikhathi izalwa.
UManyike uveza izici ezahlukahlukene okudingeka uzicabangele ukuze uqinisekise ukukhulelwa okungenakucindezeleka ngokwezimali:
Ku-trimester yakho yokuqala:
- Cwaninga izinketho zokunakekelwa kwabakhulelwe.
- Nquma ukuthi ungathanda ukubelethela kuphi.
- Buza ngezindleko ezihlukene ezihilelekile okuhlanganisa nokuvakashela udokotela nokuskena.
- Thola ukuthi i-medical aid yakho yamanje ihlanganisa ini.
- Khetha ukunakekelwa kwezokwelapha okungcono kakhulu ongakwazi ukukukhokhela. Uma ungakwazi ukukhokhela i-medical aid, imitholampilo kahulumeni nezibhedlela zikunikeza lolu kunakekelwa mahhala.
- Vula i-akhawunti yokonga futhi ubeke imali eningi eceleni ngangokunokwenzeka ukuze uqinisekise umqamelo oqinile wenqwaba yenjabulo ozoba khona maduze.
I-trimester yesibili:
- Ungagqoki izingubo zokubeletha ngoba kungokwesikhashana. Thenga kuphela izidingo, njengezingubo ezimbalwa, ama-tights nama-tunics azokubona ezinyangeni eziyisishiyagalolunye.
- Uma uqashiwe, xhumana nomphathi wakho wakwa-HR ukuze uthole mayelana nenqubomgomo yenkampani yakho mayelana nekhefu lokuyoteta kanye nezinzuzo. Ngokomthetho uvunyelwe izinyanga ezine ungasebenzi, kodwa izinkampani eziningi zikunikeza lokhu njengelivu engakhokhelwa, engakhokhelwa.
- Vakashela indawo yangakini I-UIF ehhovisi noma landa amafomu adingekayo ukuze ufake isicelo sezinzuzo zakho zokubeletha.
I-trimester yesithathu:
- Ngalesi sikhathi, kufanele ngabe usubhukhe umbhede wakho esibhedlela noma emtholampilo ozikhethele wona.
- Qala ukuthenga izinto ezibalulekile zezingane njengezingubo, amanabukeni, umbhede, isihlalo semoto nelineni. Izinto zezingane ezazithandwa ngaphambili nezike zasetshenziswa zingathengwa noma zibolekwe ngomndeni, abangani nezinkundla. Amathuba okuthi abangani bakho nomndeni bakho bazokuhlelela i-baby shower. Ngakho-ke ngaphambi kokuphinda izinto, linda ukuze ubone ukuthi yini onenhlanhla yokwamukela. Uma ungakwazi ukulinda, gcina amarisidi akho uma kwenzeka udinga ukushintshanisa noma ukubuyisela izinto.
- Yazi ibhajethi yakho futhi ungavumeli injabulo yakho idlule ukucabanga kwakho. Thenga lokho ongakwazi ukukukhokhela kuphela!
“Ayikho into edlula ukulungiswa. Kukunika inkululeko yokujabulela lolu hambo olusha lokuba umzali oluqalayo. Ukuba nomntwana kungase kubize, kodwa ukuhlela kahle kuyisinyathelo sokuqala senhlalakahle yezezimali yomndeni wakho omncane. Nalolu Suku Lomama kufanele sikubonge konke ukulungiselelwa nokuhlelwa kwesabelomali okwenziwa omama bethu (kanye nogogo no-anti nabo) eminyakeni edlule ukuze basinikeze impilo engcono kakhulu ababengayenza,” kuphetha uManyike.
Ukuze uthole ulwazi olwengeziwe ngohlelo lwemfundo yezezimali oludumile lwe-Old Mutual, joyina umphakathi wedijithali ku-Facebook (Ngemfundo yezezimali) noma usilandele ku-Twitter: @OM_ONTHEMONEY .
