Kungenxa yokuba yaqaliswa ngamalungu AA.
Ngaba Ababoleki Abangabonakali Ngomsebenzi?
Ababolekisi Imisebenzi engaziwayo yokukhusela ukunyanzeliswa kokunyanzeliswa kwesifo esingenako ukunyanga kodwa sinokulawulwa. Ukuhlawulwa okunyanzelekileyo ngokuxhomekeke kuMatyala Angaziwayo iyayichitha kungakhathaliseki ukuba iyichitha kuze kube yinto enokukukhathaza ukuba unayo okanye ufuna.
Ukubambisana nabatyala Abangabonakaliyo bangaba isinyathelo sokuqala ofuna ukuyeka ukuchithwa kwekhadi lokuthenga ngetyala . Ukuya entlanganisweni kufana nokuvuma ukuba unenkathazo ngemikhwa yakho yokuchitha kwaye kufuneka uguqule indlela yokuphila. Kodwa, ukuya kwintlanganiso ayanele. Kufuneka uthathe ubunini bokusetyenziswa kwakho ngokunyanzelekayo kwaye usebenzise izixhobo ezinikezelwe ukuba uphendule imali yakho.
Kwiintsuku eziyi-90 zokuqala, ujoyina abaTyala abaNaziwayo, uqala ukulandelela imali oyisebenzisayo- yonke into. Kubalulekile ukuba ubhale phantsi konke ukuthenga kwakho ukuze ufikelele kwizinto ozichithayo.
Emva koko, udibene kunye namanye amalungu amabini ekwakheni iqela lokunceda uxinzelelo (PRG). I-PRG yakho iya kukunceda ubone indlela ozisa ngayo ukulinganisela kwihlabathi lakho.
Amalungu aboBatyala abangaziwayo angasebenza njengento yokunciphisa imali. Nanini na xa ufumana inqweno yokuchitha, fowuna omnye wabacebisi bakho abaza kukunceda ufikelele.
Kutheni Ndifuna Ababoleki Bengaziwa?
Ngokuqhelekileyo imali akusiyo isizathu sokuba abantu bangene kwiityala. Ngamanye amaxesha ngokuphathelele ukuzithemba, ukuxinezeleka, kunye neminye imiba yeemeko. Ukuba iimvakalelo ziqhuba ukuchitha imali, Ababolekiweyo abangaziwayo banokukunceda ukulungisa. Nangona ababolekiyo Abangabonakaliyo abahambelani naluphi na umbutho wenkolo, inokuba yinkqubo engakumbi yokomoya ekunceda ukuba ulungise imiba yemimoya yokuphatha kakubi imali.
Yintoni eyenza abaTyala banqatshelwe, kwaye ngamanye amaxesha banokusebenza ngakumbi kunezinye iintlobo zamatyala anceda iinkqubo kukuba unamaqela okuxhasa. Ngokuqhelekileyo, abantu (kwintsapho yakho kunye nabahlobo) abanakholwa ukuba ukuchitha izidakamizwa kubakho. Ukudibanisa ababolekiweyo abangaziwayo bayakuvumela ukuba udibanise nabantu abanokuqonda kwaye baxhomekeke kulokho uhamba nayo.
Musa ukuhlazeka ngetyala lakho okanye uzive ukuba "akufanele" ube netyala kuba unesidanga okanye ngenxa yokuba wenza imali eninzi. Abantu abaninzi banentloni ngetyala labo kwaye abanqweneli ukuvuma iingxaki zabo zemali, ngoko ke iingxaki aziyi kuhlulwa. Xa unako ukuvuma ukuba ungumlutha wetyala, uya kuqhuba ukuya kumanyathelo alandelayo ukufumana.
Akuyena wonke umntu ofuna abaTyala abaNaziwayo kuba kunjalo ngenxa yokuba batyala kakhulu.
Abanye abantu baziva bengenamandla ngaphezu kwemali yabo - into yokuqala yoBatyala abangabonakaliyo. Ukuba uvakalelwa kukuba iimali zakho azikho phantsi kolawulo lwakho, qwa lasela abaTyalayo abangaziwayo njengendlela yokukunceda ukuba ubuyele ekulawuleni.
Ukudibana nabatyala abangaziwa
Unokufumana iintlawulo zabangabonakaliyo iintlanganiso kufuphi nawe ngokutyelela i-website yabo, i-DebtorsAnonymous.org. Kukho iintlanganiso zefowuni ne-intanethi ukulungeleka kwakho.
Imithombo:
Ababolekisi Abanikiweyo abancedisayo ngenkxaso yokuchitha izilwanyana (u-Novemba 7, 2009), iMilwaukee Wisconson Journal Sentinel
Iwebhusayithi engaziwa nguMthengisi
Vigeland, Tess. Abatyala abanyanzelekileyo bajikela uncedo (Agasti 28, 2009), iMedia Media Media