Kulabo abasebenzisa kanye nabasebenzisa abathenga kwi-bulk, izivumelwano zezihlalo zingakusebenza. Le zivumelwano ziqinile ezibonakalayo ezinikela abantu ukuthenga izinto noma izinzelelo ngokuchukumisekile, ngokunikezela kwezihlalo. Yiko yilapha ukuthi kunciphise ukuthi le zivumelwano zisebenza kanjani, ukuthi uzithola kuphi, kanye nokuthi kuzomelwe izinkinga zokuzisebenzisa. Lokhu kungaba indlela eyobuhle yokunciphisa imali kanye nokufinyelela ngokulula kwezinto okudingayo kwezimali, kungakhethi ukuthi ubhuyekele ngokuthenga izinto zasekholweni, izinto zasebhizinisi noma konke okuthile. Uma ufuna amadokodokhile akhethekile endabukeleni, ungaxela nathi I-Paper yeGatifikeithi yokuPhinda-Phinda kweKholejhi .
Kuthakathaka ukusithola izivumelwano zezimali zasekhaya ngokunikezela kwezinkinga kodwa kungakwenzeka. Okokuqala, bheka imininingwane yezimali zasekhaya noma izindawo zezimali ezingaphandle kwesifundazwe. Lezi zindawo ziyatholakala izivumelwano ezitholakalayo kubantu, nezimali. Ungathola ifomu yokubhalisa ku-intanethi, futhi ezinye izikhathi kufanele ugcwalise isicelo ukuthole lezi zivumelwano. U-Yiko uwuchaza ukulandela amaphepha ethuwebhu apho izinhlelo zezimali zibuyekeza abalandeli babo, njengoba ngamnye amaxesha zabelana nezivumelwano ezintsha. Futhi, ezinye ilibhulhari nezinkathalo zomphakathi zinezimpendulo ngalolu msebenzi futhi zanelisa izikholo ukuze usize wazi ukuthenga uma ungayidlula noma udla nalezi zivumelwano. Ungafuna abangane, ubaba, noma muntu ngamnye emsulweni owaziwa wena uma bezinezimpendulo zokuthola izivumelwano zezimali ezifanelekileyo kuzindleko ezikhulu. Ngamnye amaxesha amagugu ayenza impumelelo! Ke ngakhoke qinisekani ukusebenza ngokushesha, njengoba lezi zivumelwano kungasibalwa ngokushesha kamva kokuthi kuthengiswa. Futhi nakuba kudinga ixesha elincane ukulanda izivumelwano eziphelele, xa uyakwazi ukulahla imali kuzothenga kwakunakekela. Futhi ungabi nomdumbu—qhubeka ukuzilungisa nezinye izinsiza!
Nakuba ukusebenzisa izivouchela ze-government zinikeza okuqulethe konke, kukhona izinkinga ezimbili okuthola kuzo abathengi. Ingxenye yokuthinta kungukuthi ufunde ukuthenga ngazo ngokushesha. “Ngamanye amava amadoda awaziwa ngokuthi njengamanzi, kanti abantu bangakwazi ukwazi ngokuthi kufuneka kwenzeke njani, ngakho ke baphela ekulondolozeni imali.” Yiko ingakwenzela into ngokunikezela ukumelana okucacile okuthi kufuneka kwenzeke njani ukuthi kuthengwe ngamakhetha. Ingozo engaphandle kungukuthi kutholakala. Akukho sikhathi sbona kutholakala kwezivouchela ze-government kunezokudla ezinikezela, okwenza kudingekile kuthola okutheni abathengi. Ngaphambi kokuthi uhambe esitorenge kufuneka kutholakale konke okuthengisa okutholakala kwezivouchela uze akuphinde kuthatha inani. Futhi, inkokhelo yokufaka izivouchela kungaba yizinkinga eziningi kunokuthi uzithola. Izenguqu ngaphakathi kusuku kusenjalo - ungathini ungakwazi ukuthuma izivouchela kanye esitorenge, kodwa akukho yona njalo. Kungaba yizingozi eziningi uma abathengi bakhala. Futhi, uma akukho malimali okwenzekayo kwezivouchela, ungakhuluphekile ekulondolozeni. Kuhle ukuthi ugcwalise imali ngaphambi kokuthi uhambe ukuthenga. Usuku lokuphela kwezivouchela lingaba yinto etholakala kakhulu. Akukho yona, uma bafuna ukuthola ngaphambi kokuthi kuthathe usuku, bangaphela imali abayikolondoloza. Into eyingqayiziveleyo kungukuthi ukulondoloza izinkinga eziningi zokuphela kwezivouchela, kodwa ngithola ukudala inothi kaleshediyo kusindlela. Ngokujwayelekile, noma kunjalo, ngokuthola kuzo nokuthi kuzo, abathengi baya kuhlakanipha ngokushesha ukuthi baphumelela kumzamo wamavouchela e-government.
Ngoba ngumuntu ophatha inkampani yokuthengisa okude, ukubhenelela kukuthina konke. Enye indlela yokusebenzisa lokhu kukuvoucherise izimali. Izivoucher zezimali zilicaphu elithile elinikela abantu ukuthenga izinto abadingayo, njengokudla noma izimbono. Ukuvoucherise kwalokhu kusinikela inkampani wakho amandla okubhenelela kabanzi. Leli ngalokho ungakwenza ukuthuthukisa amaphutha akho. Kuqala, hlinza ngokuthi kuzikini izivoucher zezimali ezitholakala. Kunezinhla zehlukahlukene nezivoucher ezahlukene ngokwezinto. Isibonelo, kunezima ezithinta ukuthenga okudla, futhi ezinye izimbono zasekholweni. Ungathonga abaseshaya abaninzi ngokuvumela izivoucher ezifanelekileyo. Okwesibili, godini izinkhakha zakho ngokuhle. Abaseshaya bathandwa ukucabanga ukuthi bafana ngobubi bethu xa bakhokha izivoucher zezimali. Uma bafuna izinkhakha zakho ziphansi kakhulu, kungase kube kufanele bakhokhe endaweni yenhlo. Yiko kuthini ukuthengisa ngokulinganayo kungindlela yokuthuthukisa ububelekanani baba seshashini. Okwesithathu, phakamise ukuthi uvumela izivoucher zezimali. Abantu abaninzi kungaba bahlazi ukuthi kungase kube kutholakala kwaseshini yakho. Ungakwazi ukukhombisa abantu ngokubeka izihlabela kwaseshini yakho, ukuthumela kusocial media njalo. Lokhu kungase kube kuthinta ukuthonga abaseshaya abaninzi. Ekugcineni, hlinza izivoucher ozivumelayo. Kuthinta ukuthi uqinisekise ukuthi uyavumele izicaphu. Yiko kuthini ukuthi kufanele uqinisekise ukuthi kuyisiphi isicaphu esisebenza ngendlela efanele. Ngaleso wayo, ungasebenzisa izivoucher ezinikela inkampani wakho amandla. Ngokufunda futhi ukusebenzisa lezi zicaphu zezimali, ungasebenzisa inkampani yakho yokuthengisa okude futhi ukuthuthukisa ubude bethu. Ngokwengezi, kubizinesi abathenga ukuthuthukisa ububi, qaphela I-Paper yeGatifikeithi yeVikolwa yeThuto yeVocational Training Program .
Ukuthola ukwazi ngezimiso nezivumelwano xa kufika ekuvakasheleni izivumelwano zezimali zasemo zibaluleke kakhulu uma ufuna ukuzisebenzisa ngokwempumelelo embuyekezweni wakho. Lezi zimiso zingashintsha, ngakho-ke kubaluleke njalo ukuzithuthela. Indawo evela kuyo yisibonelo yokukhetha imiyalelo yezimali zasemo. Le miyalelo inendawo eyizigaba ezibonisa indlela yokutholakala kwezivumelwano abazenzela abasebenzi. Ungafunda ngokuthola lezo, nokusebenza kwazo. U-Yiko uncoma ukubuka imiyalelo yezimali zasemo zomphakathi, ngoba zinzile zibonisa izinkomba ezihambelana nendawo yakho. Ungakhetha futhi ukuba ungumember wezinhlangano zomphakathi noma iziklengi. Lezi ziklengi ziyathatha izindlela zakho ngezindlela nezinto okufanele uzifunde kuzo kwezinye izimali zembuyekezwe. Kungase kube nemikhakha noma imfundo mayelana nezivumelwano zezimali zasemo kanye nokusebenzisa khona ngendlela efanelekileyo. Ungase ubeke ubunikwa kumaziswa omphakathi amacentre akusiza ukuthola izivumelwano zezimali zasemo. Bangakushela imibuzo yakho bakhuselele ukutholakala kwezindaba ofanele uze uhlele. Kungase kube kuhle ukulanda izifundo zonkele noma izibhalo. Izinhlangano eziningi zinikeza izifundo ezizenziwa ngaphandle kwalokho noma zinikeza isaphulelo. Lezi zifundo zingakufundisa ngokufanele, indlela yokusebenzisa, kanye nezindlela ezifaneleka kakhulu kumsebenzi wakho. Ekugcineni, u-Yiko uncoma ukuxhumana nabanye abakhi. Bangakwazi ukwazi izinto noma zizinto abangazikwazi. Uma ungafunda kubanye ungasebenzise izindlela ezikhona, uzoba phakade kakhulu ekutholakaleni kwezimiso kanye nokuphakamisa izivumelwano zakho zezimali zasemo.
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