Izivouchela zasebhange ziyizikhodi noma i-tickets abasebenzisi bangalithola imali noma imiphakathi kumabhange. Zisetshenziswa ngendlela eyahlukene, njengoba zisusela kubantu ukuthutha imali noma ukuthola imali emuva kumathengiselo. Uma kusetshenziswa ngendlela efanele, izivouchela zasebhange zingaba yisindlela esihle sokusebenzisa imali kumuntu noma kumunye. Siyakholwa ngokuthuthukisa kwemali ngokusebenzisa izivouchela zasebhange ngendlela efanele, njengoba kuyakha kakhulu imali futhi kuthuthukisa izindlela. Leli nqaku kuzokhombisa konke okufanele ukwenza ukuthola imali ngokuthenga izivouchela zasebhange ngokwesithili futhi kutholakala indlela enema-deste ukuthenga ukuthengisa emuva.
Izinkampani zingakwazi ukubona inhlasekelo ekhona kumnotho kusuku lwemali ngezivoucha zokuthengisa izimali. Fikirha xa inkampani ithenga lezi voucha ngokwesilinganiso, ngaphansi kwehlabathi. Kungakhathalwa kuzothenga ngizinhla ezinhle, ngemali enkulu. Kungalingana nokuthi wathenga icandy endaweni ethenga kuyo futhi uzithengele abafana bethu esikoleni ngemali encane. Isibonelo, uma wathenga ivoucha ngama-$100 ngaphansi kuka-20% kwehlabathi yama-$80 futhi uzithengele ngemali ephathekayo, lokho kuyimali engu-$20. Kuyindlela efanele yokwenza imali eyengeziwe.
Ungaluthwalengqo izinkundla zokuthandakala kumelusi noma izimiselo ngamabhanki. Yiko ingasebenze njengekhefu ekutholakaleni ukufinyelela emabhande amakhazimuli. Izinhlelo eziyisiphequluli zenza umelusi abuyele kabusha. Uma abathengi bafunda baya kunciphisa imali ngokusebenzisa izikhiphi, bazothenga kangangokuvuthayo. Umzekelo, uzilungele lokusebenzisa I-Paper yeGatifikeithi yokuPhinda-Phinda kweKholejhi njengenye yezinto ezifakiwe kumhleli wokuthandakala. Kungaba nobubi uma unakekela ukuthengisa nokuba uhlelekile ngemali, le minyaka ikhona ukubuya phambi kwakho. Okunegugu futhi kukuphatha izimpahla nokwazi ukuthi kuneziphi na izikhiphi ofunayo ukuvaliwa kuzo nokubuyiselwa. Uma kunenzuzwana yale zikhiphi ezingathengi, kungase kube yinkinga esizweni sokuphila.
Kukhona okuphakade kakhulu ukuthola izinketho ze-banking. Kodwa ungahlali nomdaba, akuyikho into eyodwa njengoba kubonakala! Qalani endaweni yakho ngezinkampani zomnotho, izinkampani zokwentalosha noma izihlalo zomnotho. Kusuku sinye, bayathumela izinketho ezithile noma izinketho ezingavulwa ngokuphelele. Ukubuza ngqo kungaba yinto ekufuneka kuphumelela ekutholeni izigcineni ezimbulwa engazange uzilondle ku-Google. Kuyindlela yokuhle ukuvakasha amawebhusayithi wekhampani. Kukhona izinhlanganisela eziningi ezathumela ivoucher noma iipaki zazo, ngemali engaphansi.
Izindawo zokwesekelwa kwintanethi ziyindlela enjalo. Izindawo zokuthenga noma izindawo zokushaya imali zinezikhungo ze-voucher ye-banking. Sicela uqonde izamkela futhi uqinisekise ukuthi izinketho ziqukethe. Kusuku sinye kukhona izindawo ezingenamthetho, ngakho-ke kufanele ukhambuke. Sicela ulandele izinhloso ze-Facebook futhi. Ize ihlanze ivoucher esithembayo noma ivoucher online ukuze ikhula isigaba sabafani. Bhekene lezo zinhloso futhi uzothola ngempela izinketho ezihle.
Izivoucher zasebhange zaziyoba iphethini elibalulekileyo yephepha kubungakanani, kepha abathengi basekhaya. Nayekusinikezela lezi voucher, bangakuthenga izinto nezinsiza kumakhanda. Manjeyikhumbula ukuthi usebenzisa ikhadi esithile, noma ikhowudi, engakuvumela ukulahlela imali kakhulu ngokushesha. Lokho-ke akuyona ivoucher yasebhange! Kuyisethulo, kuyispeedi, kanye nokulula. Uma abathengi basekhaya baphatha ivoucher yasebhange, bazakwazi ukulahla ixesha. Esikhundleni sokudlala nemali namacalaka, bafuna kuphela ukusebenzisa ivoucher ukuze kuhlengwe. Kuzo zonke izinkampani zabo, ezibaleka ebandleni phakathi kwesifundla (ukuhamba kuKennedy Airport akuyona into efanelekile), lokhu kuyibalulekile ukuze kuthengwe izidingo ngokushesha kakhulu. Izivoucher zasebhange zaneliswa ngemali futhi, ngakho-ke abathengi basekhaya bangasayina imali engaphezulu kwalokho okubangelwa. Ngokusebenzisa ivoucher ye-Yiko, umthengi ungafinyelela izinkonzo ezithile ezingavunyelwanga ngabanye. Lokhu kuyindlela yokulahla imali kanye nokwenza imali! Futhi, ungasebenzisa ivoucher yakho yasebhange konke uxolo lwendalo, ngakho-ke xa ukuthengisa kuyimfihlo, kuyasheshayo. Nakuba ubuyisebenzisa noma ubuqhamuka, ukuthenga kungakwenzeka ngokushesha. Lokhu kuyimfihlo enempilo kumsebenzi, ikakhulukazi uma ixesha liyalingana nemali. Ngaphezu koko, ivoucher yasebhange ingakuvumela izinkampani ukulandelela ukuthintana kwezimali zazo. Iyonke ivoucher ingakubonisa umbhalo wokuthengisiwe, futhi kuyakuyenza ukuthi kube lulayini ukugcina amabhili. Esikhundleni sokubeka izincobo eziningi, sinamabhilishi evoucher. Lokhu kuyimpikiswano enkulu kubo bonke laba abathengi basekhaya abathintela ukugcina imali yabo ekuphileni okuphambene. Konke lokhu kwenza ukuthi izivoucher zasebhange zibe yinkinga eyancibilika kubathengi basekhaya, ababelwa ukushintsha indlela abasebenzayo.
Ukuphatha kwakho ngokushesha kwekhodi yobungako kuyinto eqondisa umoya, kodwa kubaluleke ukuthi kube yinkululeko engcono ngomnotho wasekhaya. Isimo sokokuqala kukuthi izinkampani kumele zibone zidinga nini. Zithenga izinto zokusebenzisa ngayinyanga, noma kuphela uma ngamnye? Lokhu kungaba khona isiphumo esinjalo ngokuthi uhlanganise ngekhodi. Yiko inamaqhosha amaningi atholakala ukuze uthenge konke okudingayo ngokuthakazelisa. Uma indawo ethenga izinto eziningi, umzekelo, kungakhathazeki ukuthola ikhodi enikwa amaphuzu noma amaphuzu akhono. Ngendlela, njalo njalo lapho bethenga, bathintana noma bafumana imphumela. Umzekelo, I-Paper yeGatifikeithi yeDiploma kweKholejhi kungaba yindlela eqinile ekufakweni kwabo. Abazali kumele bahlola ngokujulile kube laphini amakhadi avumelekile. Kukhona amakhadi ambalwa angozi kuphela emasotsheni amathile noma kiziphi izinto. “Ikhadi elimnandi kufanele libe nganikezwe indawo abuyakhokha kuyo inhlalo. Kubaluleke ukufunda imigomo yeserivisi, ukufunda kuzo kuzovikela ukucindezeka. Qaphela usuku lokuphela kwemvume. Kukhona amakhadi angama-expiration date, okusho ukuthi akunakwenzeka ukusebenzisa kanjalo emva kalesi sikhathi. Amabhizinisi kumele achaze amakhadi anexesha elide lokuphela ukuze babe nexesha lokusebenzisa. Kunakekela futhi ukulinganisa amakhadi ahlukene. Amabhizinisi angacala ukuthini kunezimali eziningi kanye nezimpahla. Khuni-khuni Yiko ingase iphumelele izimfundo ezenza amakhadi awa ave ngcono. Okokugcina, inkhompiyi yokusebenta kuyisisekelo esibalulekile ekukhetheni amakhadi. Ufuna inkhompiyi eyakusiza ngokushesha uma kukhona inkinga noma umbuzo,” kusho van der Voorden. Ekugcineni, ukwazi ububi bezimali zakho kanye nokqondisa kuzinkinga kuzoba yisisekelo ekutholeni ikhadi lakho elilungileyo.
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