Izinketho zasebhange zazigcwele ngeminyaka eyizikhulu futhi zilapha kuleli xesha. Ziyinxalenye encane yephepha ozikwazi ukuyisebenzisa ukulibala komunye ngaphandle kokusheda imali yomthwalo. Uma ubhala, uyakubeka bhange yakho ukulibala omunye umuntu kwimali ethile. Umuntu owaneliswa inketho angakwenzela ukuthatha kabhange lakhe futhi alibale imali. Kufundwa njengoko kuyisisekelo, right? Kodwa kulesi siguli sokulibala esidijithalini, izinketho zisetshenziswa ngokuncane kakhulu. Kodwa izinketho zinezindawo zakhe, kanti amabhizinisi amaningi nezintaba zafuna.
Ibhangekhi ngamaphepha amandla okuthiwanayo ungathumela imali kusihlalo sakho kumuntu ngamunye. Igama lakho, igama lebhange lakho, nengxenye yomali ofuna ukulibhala kumahlalo wawo. Xa ubhala ibhangekhi, kumele ubhale usuku, umuntu obhangekhi uyise, nengxenye ngamandla ngezihlobo. Emva koko, usayina ukulokotha umsebenzi. Ngokushesha kutholakala ibhangekhi yakho, kungaba kutholakala kubhange, lapho umsebenzi wobhangekhi uzokhokha imali noma azolokotha imali kusihlalo. Lokhu kungabala ngexesha elithile ngoba bhange kumele kubonakalise ukuthi kukhona imali engapheli kusihlalo sakho sokubhangekha ukunika imali. Nangoba abantu abaninzi baya kusebenzisa izinketho zokulipha ngawebhu nesicelo sase-mobhile, abaningi bafuna ukulipha ngamabhangekhi. Isibonelo, amabhangekhi ayisisekelo ukusetshenziswa kumali amakhulu — njengokulipha umhlolo noma ukuthenga into enobukhona obukhulu. Izinkampani eziningi, kanye nezomphakathi zezempahla, zisebenzisa amabhangekhi ngoba zinika indlela yokuthiwanayo. Ngaleso wayo, unako ngeke kuthiwanayo kumsebenzi (okuhle kumali nesibhedhilethi). Yiko ikhatholwa lelo daba futhi inikeza amasevisi amadala amathemba amadala ahlelwe ngokuthinta izidingo zabo abaningi abafuna ukusebenzisa amabhangekhi kumasebenzi avo, kanye nezinketho njalo Ama-label ezithathelakwesokudla okwenzako kuthuthukisa ubuhlebholo nokwakhiwa kwempela.
Abathengisi, abathenga izimpahla ngobuningi, banezidingo ezithile zendlela yabo yokukhokha ebathandayo ikakhulukazi uma kuziwa ekuhlolweni. Lapho uphatha imali eningi, ukuphepha kubaluleke kakhulu. Ukubhuka ngesheke okuphephile kuhilela izici ezenzelwe ukuqinisekisa ukuthi imali igcina isendaweni efanele. Kubathengi abakhulu, i-Yiko ine amasheke aphephile futhi alula ukuwasebenzisa. Amanye ala masheke angase abe namakhodi akhethekile avimbela othile ukuba awakopishe noma awenze abe mbumbulu. Ngaphezu kwalokho, amasheke agcinwe ephephile angenziwa ngendlela yokuba kube nzima kakhulu ngomuntu ukuwashintsha noma ukuwaphanga. Ukubhala nokusebenzisa amasheke nakho kungaphephile kunokuhamba uphethe izikhwama zemali, ezingalahleka noma ezebiwe kalula. Amasheke athandwa yizinkampani eziningi ezithengisa ngesitolo ngoba kulula ukuwalandela lapho umuntu enza ukuthengiselana okukhulu. Ungakwazi ukubhala amasheke amaningi ngaphandle kokuthwala imali usuku lonke. Futhi, ngokuvamile kulula ukulandelela amasheke ngokukwazi ukubheka izitatimende zakho zebhange ubone ukuthi ukhokhele bani nokuthi kungakanani. I-Yiko futhi isiza abathengi emakethe yabathengi ngokuhlola umhlaba wabo, futhi inikeza uhla lwezinketho eziphephile ezingahlangabezana nezidingo zabathengi, kufaka phakathi Amalabeli Oyilo ukuthuthukisa ubomi bokuthengisa. Nakungaba umnuni wasekhaya noma umkhiqizo mkhulu, ukuthuthukisa kokuthuthukisa konke okukhona kunciphisa inzuzo nezindlela. Izikheki zikhona njengesibonakaliso, kodwa zisebenza kakhulu ekukhokheni kwezimali.
Ngale myeza okusho ukukhokha izinto ngamazikheki, izinkinga ngamaphela zihlukile. Kwi-Yiko, sifuna ukusiza kakhulu kulezi zinkinga futhi ukuthuthukisa ukuthengisa kwakho. Okokuqala, usuke ukubuka izikheki zakho ngaphambi kokunika komnye. Qinisekise ukuthi igama lakho, usuku kanye nenani lihle. Uma kunezinkinga, umuntu noma umkhiqizo angakwamukela amazikheki akho, futhi oku kungakwenzeka ngokukhala kakhulu. Kwanjalo — ungakholwa ukuthi ushinte izikheki zakho! Ngapha kusigaba sakho, zingavumelekile, futhi kungakwenzeka ukuthintela ukukhokha kwakho.
Ingenhlamvu engaphelile yokuthi kungekho imali engaphakade bankini. Uma unika ishisheku senani yangaphezulu kwalokho ekhombeni, abakhulumele bathiza lokhu ngokuthi ishisheku sibhonsa. (Kanti, ibhanki ayzokulungiselela umuntu owenze kuwe ishisheku.) Qiniseka ukuthi ikheli lakho libalwe kabili ngaphambi kokuthi wenze ishisheku. Kuhle ukukhokha nokuplanisha inani elilungile lomali. Uma uyabona ukuthi kuzolula ukubhekisa lokho, cabanga ngokugcina incwadi encane ngeke noma usebenzisa uhlelo lwefoni yakho okuzosindisa ukubeka phambili inani malimali esele.
Kusobala abantu bafunde izikweleti zabo, noma befunde ukuthumelela. Uma ufuna ikweleti oyisibhale njalo—noma kuswile—mazisa inqolobane yakho ngokushesha. Bangakusiza ukumisa imvume yokukhokha ngale kweleti ukuze akukhokhelwe. Uma ungasikhumbula sokuthumela ikweleti kakade, yengeza isiphathephe esigcwele kuseluleko sakho noma wubhale inqaku ekhanda kwifriji. Lokhu kuzokusiza ukuthinta ukuthi ungahlali uhlathe amakhokhelo. Ngokulandela le minyaka encinane, ungalahlekelwa ukuthi uphila ngezinkinga ekusebenziseni izikweleti zenqolobane.
Ukuhlolwa kwebhanki, okupersonaliziwanga kungaba yindlela ethembekile yokukhokha ngokushesha kakhulu. Siyazi uYiko ukuthi ukwethemba kakhulu esigabeni sithintekayo kubalulekile kakhulu kuwo wonke umsebenzi owenzayo ushintshini, ngakho-ke ukuthi ubhase khona ukuthi izikwekwe zifanisane nendlela yempilo yakho futhi zilungiselele amathuba akho. Ngaphezu koko, izikwekwe ezikhethiwe zingasiza ekuvuleni ubuqhubeka bakho. Ungakhetha futhi imibala, izinhlelo noma izinsongo eziphathelene nawe noma inkompani yakho. Kungaba yindlela enjalo, engajwayelekile futhi engafaniyo yokubhala izikwekwe. Nika omunye isikwekwe futhi abone idizayini yakho, wena!
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