Uma umuntu obolekayo ehlangabezana nesimo esinzima sezimali, omunye wembuzo evelayo: "Kuzokwenzekani uma ungakhokhi imali kubhange, kungaba nemiphumela engakanani?" Futhi njalo. Ngifuna ukusho masinyane ukuthi akunakwenzeka ukukhipha izikweleti nhlobo, kodwa kungenzeka ukuthi kuncishiswe inani lezinzalo ezitholakalayo kanye nezinhlawulo. Kuyini lokhu okudingekayo ukukwenza?
Uzoqala kuphi?
Musa ukugxila ezizathu zokungakwazi ukukhokha izikweletu. Lokhu sekuvele kwenzeke, kubaluleke kakhulu ukuthi uqale ukwenza futhi wenze isinyathelo ngesinyathelo ukuthuthukisa isimo nesimo sethu sezezimali. Uma isikhathi esinqunyiwe sokungakhokhwa singakabi kakhulu, kungcono ukuthi uzame ngokushesha ukuxhumana nensizakalo yokuphepha yasebhange futhi ucacise isimo, cela ithuba lokuvuselela isikweletu, ukhiphe isithakazelo senzalo kanye neminye imisebenzi engenzeka. Kodwa-ke, kwenzeka ukuthi kukhona umsebenzi, kodwa kunezikweleti eziningi kangangokuthi akwanele ukufaka imali ngokugcwele njalo ngenyanga futhi azinzile. Isikweletu siqala ukukhula njengebhola le-snowball futhi lihlala lizibuza ukuthi kuzokwenzekani uma amabhange engakhokhi imali. Noma kunjalo, ngifuna ukuhlala ngingumuntu ojwayelekile, ngilahle lesi sibopho futhi ngiqale ukuhlala kabusha, ngaphandle kwemali mboleko kanye nezikweleti.
I-Action Scheme
Uma umbuzo oyinhloko uvele mayelana nokuthi kuzokwenzekani, uma ungakhokhi imali kubhange, kuzomele uhlale phansi bese ubala zonke izikweletu zakho zilingana nebhange ngalinye ngokwehlukana. Abaqoqi bahlale bebiza futhi bethumela izincwadi, ngakho-ke akunakwenzeka ukudideka kahle. Ukuze ngandlela-thile ulondoloze isimo sakhe sokuziphatha nesengqondo, kungcono ukushintsha inombolo yocingo, ngoba isimo cishe akunakwenzeka ukususa ezisongweni zabaqoqi, kodwa ngeke kube khona imali eyengeziwe. Ngaphezu kwalokho, yonke impahla ekhona kufanele ibuyiselwe kumndeni wakubo ukuze abaxhasi bangakwazi ukuthatha lutho. Ungalethi lolu daba kuze kube yilapho inkantolo izokhipha isinqumo sokubuyisela wonke inani lesikweletu ngokuphelele. Uma kungenjalo, kuzodingeka ukhokhe zonke izikweletu, futhi wenze ngisho nezindleko zezindleko zomthetho. Kulokhu, ukwehluleka ukukhokha imali kungenakwenzeka ukuba kube nesithakazelo kunoma ubani.
Yini ummeli noma anti-collector angayenza?
Ummeli kanye nomphikisi-mqoqo bazoba ohlangothini lwabolekayo noma ngabe yikuphi, futhi ngeke batjele ukuthi awukwazi kanjani ukukhokha imali. Umsebenzi wabo oyinhloko ukunciphisa izinhlawulo kanye nemali ekhokhelwa yibhange. Kwezinye izimo, uma kunethuba lokufakazela ukungabi nesikhathi sokunciphisa noma izenzo ezingekho emthethweni zebhange ngokwalo, isikweletu singabhalwa ngokuphelele. Ngenxa yalezi zinkampani, amacala amaningi anqobile, futhi azokutshela kahle ukuthi kuzokwenzekani uma amabhange engakhokhi imali, nakanjani ngeke abulale noma ngubani futhi ngeke asuse impilo yakhe, okuyinto ebaluleke kakhulu. Lo magazini awuvunyelwe ukukhangisa noma ukutshela zonke izinyathelo. Isimo ngasinye singumuntu ngamunye futhi kukhona njalo indlela yokuphuma kuyo. Kwanele ukuqinisekisa ummeli wenkantolo ukuba avumele ummeli ukuba amele izithakazelo zomboleki enkantolo futhi abhale phansi izincwadi zabaqoqi, ngakho-ke imithetho nemikhuba yabameli bayadlala. Umsebenzi womboleki ukukholelwa ekunqobeni kwakhe futhi angaphinda awele esimweni esinjalo.