Ugibe LweSibonelelo se-SASSA R350: Amabhange Nabasakaza Umshwalense Bayithatha Kanjani Imali Yakho Ngokusemthethweni ngo-2025

Ucwaningo olubheka indlela abahlomuli be-SASSA eNingizimu Afrika abalahlekelwa ngayo ingxenye enkulu yeSibonelelo sabo se-R350 SRD nezinye izibonelelo ngenxa yama-akhawunti asebhange ‘athanda i-SASSA’, ama-debit order omshwalense wesifuba okhohlisayo, kanye nemali mboleko enenzalo ephezulu ngo-2025. Le ndatshana iveza izingibe ezivamile futhi inikeza amathuluzi acacile okonga imali ukuze uvikele imali yakho.

Ukwebiwa KweMali ye-SASSA Okukhulu kuka-2025: Kwenzeka ku-Akhawunti Yakho YaseBhange

Ngo-2025, ukuthola isibonelelo sakho se-SASSA kuyingxenye nje yempi. Enye ingxenye ukuyigcina. Izikhungo zezezimali zibhekise ngamandla kubahlomuli be-grant ngemikhiqizo ebukeka isiza kodwa eqondwe ukumunca imali yakho. Siyaphenya ngemali efihliwe kuma-akhawunti asebhange, iqiniso ngomshwalense wesifuba, kanye nemijikelezo yezikweletu ebangelwa yimali mboleko elula, sikunikeza amasu okulwa nokwenza isibonelelo sakho se-R350 sikusebenzele. Lokhu akuyona inkinga nje kuphela; kuyinkinga evele obala ngoDisemba 2025, futhi sekuyisikhathi sokuthi sikhulume ngokuthi kungani imali yesibonelelo sakho ibukeka inyamalala.

Ugibe 1: I-Akhawunti YaseBhange ‘Yamahhala’ Ebiza Kakhulu

Ukudonswa kokuqala kuvame ukwenzeka ebhange. Izikhungo eziningi zithengisa ama-akhawunti ‘ashibhile’ noma ‘athanda i-SASSA’, kodwa inkinga isemincane yemininingwane. Nakuba ungathola ukufakwa kwemali kwamahhala, ungakhokha u-R7 ngokukhipha kwenye i-ATM yebhange, u-R2 ngokubheka ibhalansi, noma imali enkulu ‘yokwehluleka kwe-debit order’ engu-R50 noma ngaphezulu. Le mali encane iyanda. Phakathi nonyaka, le mali ’encane’ ingaqeda isibonelelo sanyanga zonke se-R350. Bathembele ekutheni ngeke uyifunde imininingwane emincane. Isinyathelo sakho sokuqala sokuthola inkululeko yezezimali ukwazi kahle ukuthi ibhange lakho likukhokhisa malini ngomsebenzi ngamunye owenzayo.

Ugibe 2: Ukuminza Kuma-Debit Order Omshwalense Wesifuba

Hamba kunoma iyiphi inxanxathela yezitolo eduze nendawo yokukhokhela i-SASSA, futhi uzokhumbuza abantu abathengisa umshwalense wesifuba. Inkulumo iqondisa imizwa futhi iyasebenza: ‘Vikela isithunzi somndeni wakho.’ Umphumela? Abahlomuli abaningi babhalisela amaphoyisa amaningi, nama-debit order ka-R50, R80, noma u-R120 edonswa ku-akhawunti yabo ngokushesha lapho isibonelelo sifika. Esimweni esiningi esibikiwe, abantu banamaphoyisa amathathu noma amane ahlangene, bekhokhela inzuzo umndeni wabo ongayifuna kanye kuphela. Lokhu kuwukumosha okukhulu kwemali eyigugu. Kubalulekile ukuba nephelisi elilodwa elingabizi, elithembekile, hhayi iqoqo lama-debit order abizayo akushiya ungenalutho lokuphila ngalo.

Ugibe 3: Imali Mboleko ‘Okulula Ukuyithola’ Eholela Ejele Lesikweletu

Uma imali yesibonelelo iphela phakathi nenyanga, isilingo semali mboleko ’elula’ sinamandla. Omashonisa (abakweletisi abakhulu) nabakweletisi abancane abakhohlisayo bayachuma kulokhu kuphelelwa yithemba. Banikeza imali esheshayo ngamaphepha amancane, kodwa ngamazinga enzalo aphakeme kakhulu. Imali mboleko ka-R200 ingashesha ibe yisikweletu sika-R400 noma ngaphezulu ngosuku lwakho lokukhokha olulandelayo. Lokhu kudala umjikelezo obulalayo: usebenzisa isibonelelo sakho esilandelayo ukukhokhela isikweletu esidala, okukushiya ususile futhi uphoqeleke ukuthatha enye, imali mboleko enkulu. Kuyijele elakhiwe ngezinyathelo eziphakeme, futhi ukuphuma kulikhuni kakhulu. Ngaphambi kokuthatha noma iyiphi imali mboleko, kufanele uqonde inani eliphelele lokukhokha.

Ugibe 4: AmaKhadi Esitolo kanye Nezinhlelo ‘Zokuthenga Manje, Ukhokhe Kamuva’

Abadayisi babhekise kakhulu kubahlomuli be-SASSA ngamakhadi esitolo kanye nezinhlinzeko ‘Zokuthenga Manje, Ukhokhe Kamuva’ (BNPL). Benza kubukeke sengathi uthola imali yamahhala yokuthenga igrosa noma izingubo. Kodwa-ke, lezi ziningi nje ezinye izindlela zesikweletu ezinamazinga anzalo aphezulu, izimali ze-akhawunti, kanye nezinhlawulo ezinzima zokungakhokhi ngesikhathi. Ukweqa ukukhokha okukodwa kungadala uchungechunge lwemali olunyusa isikweletu sakho ngokuphindwe kabili. Okwaqala njengokuthenga kwegrosa okuwu-R300 kungaphenduka isikweletu sika-R1000 ongeke usibalekele.

Icebo Lokuvikela Imali Yakho Lika-2025: Indlela Yokuvikela Isibonelelo Sakho

Sekuyisikhathi sokulwa. Unamandla okuvikela imali yakho. Nali icebo elilula, elisebenzayo lika-2025:

1. Hlola I-Akhawunti Yakho YaseBhange (Bank Account Audit): Thola i-statement yakho yasebhange yakamuva bese uqokomisa (highlighter). Maka yonke imali oyikhokhiswe. Zibuze: ‘Ingabe leli yi-akhawunti efanele mina?’
2. Khetha I-Akhawunti Engabizi Ngempela: Qhathanisa ama-akhawunti avela kubahlinzeki abanjengo-TymeBank, Capitec, kanye ne-SASSA Postbank Gold Card. Bheka ama-akhawunti anezimali zenyanga eziphansi noma ezingekho nhlobo kanye nezindleko zokukhipha ezingabizi. Qinisekisa ukuthi inethiwekhi ye-ATM iyatholakala kuwe.
3. Hlanganisa Umshwalense Wakho: Hlola yonke imishwalense yakho wesifuba. Udinga YILUNYE kuphela. Khetha elingathembekile nelingabizi kakhulu bese ukhansele amanye. Sebenzisa u-R100-R200 owengeziwe ngenyanga ukuze wonge noma uthenge okubalulekile.
4. Yakha Isikhwama Esiphuthumayo (Emergency Fund): Lesi isikhali sakho esihle kakhulu sokulwa nomashonisa. Ngisho nokonga u-R20 noma u-R30 kusibonelelo ngasinye kungakha isivikelo esincane. Ukonga u-R200 esimweni esiphuthumayo kungcono kakhulu kunokuthatha imali mboleko ka-R200 ngenzalo engu-50%.
5. Funda Ukuthi CHA: Ukuthi ‘cha’ kubathengisi abanolaka kanye nezinhlinzeko zekhredithi eziheha kuyikhono elikhulu. Ukuba sempilweni kwezezimali kwakho kubaluleke kakhulu kunanoma yimuphi umkhiqizo abawuthengisayo.

Ama-Akhawunti AseBhange Angcono Kakhulu Abahlomuli be-SASSA ngo-2025: Ukuqhathaniswa Okusheshayo

Ukukhetha ibhange elifanele kubalulekile. Nansi ukubheka okufushane kwezinketho ezidumile:

• I-SASSA/Postbank Gold Card: Ayinayo imali yenyanga. Inzuzo enkulu ukukhipha kwamahhala emagatsheni ePosi kanye nakubathengisi abakhethiwe (Pick n Pay, Boxer, njll.). Kodwa-ke, izimali ze-ATM kwamanye amabhange zingaba phezulu.
• I-TymeBank ‘EveryDay’ Account: Ayikho imali yenyanga. Ungakhipha imali eshibhile ezindaweni zokukhokhela i-Pick n Pay ne-Boxer. Lokhu kuyinketho eqinile edijithali.
• I-Capitec ‘Global One’ Account: Imali yenyanga ephansi (cishe u-R7). Inenethiwekhi enkulu yamagatsha kanye nama-ATM. I-app yabo kulula ukuyisebenzisa ekulandeleni ukusebenzisa imali.

Ukuhlaziya Kwethu: Kubahlomuli abaningi be-R350, i-akhawunti engenayo imali yenyanga njenge-TymeBank ivame ukuba yonga kakhulu, inqobo nje uma uhlala eduze nesitolo esibambisene nabo ukuze ukhiphe imali. Ukhiye ukunciphisa izindleko ezimisiwe zenyanga.

Impikiswano Nge-Debit Order: Ungakwazi Ukuzimisa Ngokusemthethweni?

Unamalungelo. Ngaphansi kwe-National Payment System Act, ungaphikisa futhi uhoxise i-debit order engafakwanga noma eyenziwe ngobuqili. Ngezinkontileka ezisemthethweni njengomshwalense wesifuba, kufanele ulandele inqubo yokukhansela nomhlinzeki kuqala. Uma benqaba ukukhansela, ungayalela ibhange lakho ukuthi lime i-debit order. Lokhu kubizwa ngokuthi ‘isiyalezo sokumisa ukukhokha’ (stop payment instruction). Amabhange angase akhokhise imali ngale sevisi, kodwa ithuluzi elibalulekile lokubuyisa ukulawula ku-akhawunti yakho. Ngaphambi kokuthatha noma yisiphi isinyathelo, qinisekisa ukuthi uyaqonda ukuthi usesivumelwaneni esibophezelayo yini.

Ngaphezu kwe-R350: Ukwakha Ingcebo, Isibonelelo Ngasinye Ngasinye

Lokhu kungase kuzwakale kungenakwenzeka, kodwa akunjalo. Uma usuxazulule ukuvuza kwezezimali, ungaqala ukusebenzisa isibonelelo sakho njengethuluzi. Cabanga ukujoyina i-Stokvel (iqembu lokonga lomphakathi) nabantu othemba bona. Lokhu kukuvumela ukuthi wonge ngokuhlanganyela ngezinhloso ezinkulu. Ngisho nokusungula ibhizinisi elincane, njengokuthenga izimpahla ukuze uzithengise kabusha, kuba nokwenzeka uma unalo lonke inani lesibonelelo sakho. Ukwazi ukufika kwesibonelelo sakho kusuka kushejuli esemthethweni ye-Payment Dates kukuvumela ukuthi uhlele le misebenzi ngempumelelo. Kuqala ngokubona i-R350 hhayi njengemali yokusinda kuphela, kodwa njengemali yembewu yekusasa elingcono.

FAQs

Yiliphi i-akhawunti yasebhange eshibhile yesibonelelo se-SASSA ngo-2025?

Ama-akhawunti angenayo imali yenyanga, njenge-akhawunti ye-TymeBank EveryDay, avame ukuba ashibhile kakhulu. I-SASSA Postbank Gold Card nayo ayinayo imali yenyanga. Kodwa-ke, kufanele ucabangele izindleko zokukhipha imali. Uma ukhipha ikakhulukazi imali ku-Pick n Pay noma ku-Boxer, i-TymeBank ingaba shibhile kakhulu. Ngaso sonke isikhathi qhathanisa izindleko ngokusekelwe emikhubeni yakho yasebhange.

Ingabe i-SASSA ingamisa ama-debit order ku-akhawunti yami?

I-SASSA ngokwayo ayiphethe i-akhawunti yakho yasebhange noma imise ama-debit order. Kufanele ulawule lokhu ngqo ebhange lakho kanye nenkampani edonsa imali ku-akhawunti yakho. Unelungelo lokukhansela noma yisiphi isivumelwano noma isevisi futhi ungakhipha ‘isiyalezo sokumisa ukukhokha’ ebhange lakho ukuze uvimbe i-debit order ethile.

Mingaki imishwalense wesifuba engiyidinga ngempela?

Kubantu abaningi, umshwalense wesifuba owodwa othembekile wanele. Inhloso yomshwalense ukukhokhela izindleko zomngcwabo onesithunzi. Ukuba nemishwalense eminingi yomuntu oyedwa kuwukumosha okukhulu kwemali, njengoba umndeni wakho uvame ukukwazi ukufuna inzuzo koyedwa kuphela. Hlola izidingo zakho bese ukhetha umshwalense owodwa ongcono kakhulu.

Ingabe imali mboleko ekhangiswe kubahlomuli be-SASSA iphephile?

Kufanele uqaphele kakhulu. Abakweletisi abaningi abaqondise kubahlomuli be-SASSA bakhokhisa amanani anzalo aphezulu kakhulu, ngezinye izikhathi angemthetho. Bathembele ekutheni izinkokhelo zesibonelelo zivamile futhi zingathathwa ngqo. Ngaso sonke isikhathi hlola ukuthi umkweletisi ubhaliswe yini ne-National Credit Regulator (NCR) futhi ungalokothi uboleke okungaphezu kwalokho ongakwazi ukukukhokha kalula.

Ngingayihlola kanjani i-statement yami yasebhange ngingayi ebhange?

Ama-akhawunti asebhange amaningi esimanje (njenge-Capitec ne-TymeBank) anama-app ocingo amahle akuvumela ukuthi ubuke i-statement yakho nomlando wokusebenzisa imali mahhala. Ungathola futhi i-mini-statement ku-ATM, nakuba lokhu kuvame ukuza nemali. Ukusebenzisa i-app kuyindlela eshibhe kakhulu yokugada imali yakho.

Kufanele ngenzeni uma ngisola i-debit order eyenziwe ngobuqili ku-akhawunti yami?

Xhumana nebhange lakho ngokushesha. Bika umsebenzi njengowenziwe ngobuqili. Bazokuqondisa ngenqubo yokuwuphikisa. Ngaphansi kwemithetho yasebhange yaseNingizimu Afrika, unelungelo lokuphikisa ama-debit order angagunyaziwe futhi ubuyiselwe imali yakho.

Kungcono yini ukukhipha imali yesibonelelo se-SASSA yonke ngesikhathi esisodwa?

Nakuba abanye abantu bekhetha ukukhipha yonke imali yabo ukuze bagweme izimali zasebhange nama-debit order, kunezinkinga futhi, njengokweba. Icebo elingcono ukuhambisa imali yakho efasiteleni lokonga elixhunywe ngaphakathi kwe-app yakho yasebhange, evame ukuphepha kuma-debit order, bese ukhipha kuphela imali edingekayo ezindaweni ezingabizi.

Ngingaqala kanjani isikhwama esincane esiphuthumayo ngesibonelelo sami se-R350?

Qala ngokuncane. Yenza kube ngokuzenzakalelayo uma ukwazi. Ama-app amaningi asebhange akuvumela ukuthi usethe ukudluliselwa okuzenzakalelayo kuka-R20 noma u-R30 efasiteleni lokonga ngosuku isibonelelo sakho sifika ngalo. Phatha lokhu konga njenganoma yisiphi esinye isindleko. Ezinyangeni ezimbalwa, uzoba nesikhwama esincane esiphuthumayo ngaphandle kokuzwa ubunzima.