Ukuthanda into ongakwazi ukuzikhokhela ngaleso skhathi iyona into ejwayele ukusifaka kunoxhaka wesikweletu. Izikweletu ezijwayela ukuba unoxhaka empilweni azisuki emoyeni kodwa ziqala ngokungena esikweletini ongakwazi ukusimela konkunye isikweletu ongasidingi empilweni. Kumele singakhokhlwa ukuthi uma uthatha isikweletu, kusamele usikhokhe. Kuba ncono uma uthatha isikweletu wenzela ukuqala umcebo noma uzowenzela into ezokunika inzunzo esikhathini esizayo. Lokhu singakufanisa nokuthatha isikweletu sokuqala ibhizinisi noma isikweletu sokuthenga indlu.
Ngama gama am’fishane nje ngizobeka izimo ezisifaka kunoxhaka wokuphilela nokusebenzela isikweletu:
- Ukungagcini isithembiso sokukhokhela isikweletu ngesikhathi esifanele:
Uma uthatha isiskweletu, wenza isivumelwano sokukhokhelana nomuntu/ inkampani ekunika lesisikweletu (terms of payment). Uma usuxakwe isikweletu, ungasakwazi ukusikhokhela futhi imali oyikweletayo iningi kunemali oyiholayo, kujwayelekile ukuthi umuntu azibe lesisivumelwano sokukhokhelana. Lokhu kwenza inyuke imali yenzalo ihlangene nesikweletu. Uma ubheka isimo somashonisa, uma uke wangakhokha ngesikhathi esifanele, ubala inzalo kwimali yokuqala yesikweletu bese ehlanganisa nenzalo ongayikhokhanga, lokhu kwenza ushone phansi kakhulu esimweni sokukweleta. Uma umuntu eqhubeka ebalekela isikweletu, kugcina sekungenelela nabameli okwenza inyuke futhi imali ozoyikhokha ngoba lezizindleko zikhokhwa uwena mnini sikweletu.
- Ukuziba inkinga obhekane nayo:
Inkiga esijwayele ukubhekana nayo eyokuziba isikweletu uqhubeke nempilo ngathi akukaze kwenzeke lutho. Sekujwayelekile ukuthi umuntu aqambe amanga uma ebamba ucingo lwama Call centre abajahi sikweletu (debt collectors). Kuncono ukukhuluma nalowo okunike isikweletu umazise ngesimo okusona ukuze nizame indlela engcono yokukhokha ezokwanela iphakethe lakho. Ungahlali nenkinga uyizibe ngoba izinkinga ziyazalana, Bhekana nayo.
- Ukungaqodi impande yenkinga yesikweletu:
Isikweletu kuyenzeka ungene kusona ngoba kunesizathu esifanelekile, njengokuthatha I credit card uma kunesimo esiphuthumayo njengomngcwabo. Inkinga iqala lapho ususisebenzisa lesisikweletu nalapho kungasafanele. Umzekeliso: Uthathe I credit card kunomngcwabo, udlule umngcwabo, usikhokhele usiqede kodwa ungalivali ikhadi, uqhubeke usulilisebenzisa nyanga zonke.
- Ukuphika nabanganin (Peer pressure credit):
Lesisimo sijwayele ukusithatha kancane noma singagxili kusona. Esikhathini esiningi uthola ukuthi umuntu usethatha isikweletu ngoba ebona engathi uyasala kubangani bakhe ngezinto abanazo yena angenzo noma angakwazi ukuzikhokhela (affordability). Kokunye ugcina esebona engathi nemali ayiholayo iyamubambezela bese ezixina ngesikweletu ukunyusa impilo yakhe ibe sezingeni labangani. Kungcono uziphilele kwizinga lemali elanele wena nephakethe lakho. Lokhu kujwayele phecelezi kuthiwa “stick to your lane”, ungeqeli esimweni esingakufanele. Uma ubona abanye behamba ngezimoto ezihle, begqoka nezingubo ezintsha, naka isimo sakho ngoba awazi impilo yabo injani ukuze babe sesimweni abakusona.
- Ukungaluceli usizo uma usuxakwe izikweletu:
Esikhathini esinigi abantu abathandi ukwamukela ukuthi bayahluleka ukuphatha imali. Lokhu kwenza bangalufuni usizo ngoba beshaywa amahloni. Lokhu kwenza baphathwe lusizi entweni abangathola ukusizakala kuyo. Okungakusiza ukuthi uthintane nabeluleki bezikweletu (debt councellors) uthole usizo kwisimo obhekene naso. Labaluleki baxhumana nalabo obakweletayo benze izivumelwano ezikuvikela ekulahlekelweni impahla yakho (reposession).