Ukuhlawula ukuthengwa esikudingayo, okusikhoyo apha kwaye ngoku, siyisebenzisa kwiimali-mboleko zebhanki. Kananjalo ngokukhawuleza, asinakucinga malunga nokuba kunenzuzo kangakanani ukuthabatha imboleko - zonke iingcamango sele zivele ngemoto entsha, umshini wokuhlamba okanye isiqandisisi, kwaye akukho xesha lokubala. Kodwa nangonahluko obuncinane ngokwemali yokuboleka (ekugqibeleni) kunokuchaphazela kakhulu inani lemali ehlawulwe ngaphezulu. Enye imeko efana nayo: umntu ufuna indawo yokukhawuleza ukuba athathe imali mboleko, engaqapheli ukuba ngokuchitha ixesha elingaphezulu kweyure ukuthelekisa imimiselo yemibutho yezemali eyahlukeneyo, unako ukusindisa ezininzi.
Amakhadi esikwereti sele esifundise ukuba siphila kwiityala. Yonke into elula, emva kokufikelela kwiminyaka yesininzi, nabani na ofuna, kunye nepasipoti isigxina seyure, banokwenza ikhadi, bengayizibuza ukuba kunenzuzo kangakanani ukuboleka imali. Ngaphandle kokuphumla namhlanje, abaninzi banetyala, kungabikho ukuthenga okungabizi kangako.
Nangona kunjalo, akubona wonke umntu uyaqonda ukuba ibhanki iya kufuneka ihlawule ukusetyenziswa kweemali, kwaye ngoko ngokuqhelekileyo iyabaqonda njengemali yabo. Ngokuchanekileyo ngendlela efanayo, akubona wonke umntu oqonda ukuba uza kuthenga phi mboleko, nokuba ingaba yinzuzo ngokubanzi okanye yintoni imiphumo engayikhokelela kuyo. Kwaye kuvela ngokuphindaphindiweyo ukwenzela ukuba ungayisebenzisi nje ngetyala, kodwa kufuneka unike imali yakho. Ngoko ke, kubalulekile ukubala kwangaphambili oko kuya kuhlawulisa loo mboleko kunye nokuhlawulwa kwayo. Kungenzeka ukuba ukuthenga into eyimfuneko kuya kuba luncedo kakhulu ukugcina imali ngexesha elifutshane, kunokusetyenziswa kwimibutho yemboleko.
Kukho ukuphazamiseka kwi "credit medal". Iimali mboleko zeBhanki zifundisa abantu ukuba baphathe imali ngendlela engqiqweni. Ukukhumbula izibophelelo zabo, ngokwahlukileyo bayakha indlela yabo yobomi kunye nendlela yokuphila, bafunde ngokubaluleka ngokuchanekileyo, ngoko ke batye baqhelise ukuqeqeshwa kwemali baze baphuhlise amandla okucwangcisa ikusasa labo.
Kukho iinkqubo ezininzi zemboleko namhlanje. Le mboleko yokuthengwa kwezindlu, ukuhlawulwa kwemfundo, ukuvulwa kweshishini labo, njl. Ngamnye kubo kumaziko ahlukeneyo emali akhutshwe ngokwemigaqo eyahlukileyo, yimiko kubalulekile ukubalwa apho kunenzuzo kakhulu ukuboleka imali. Ngamanye amaxesha kwenzeka ukuba abantu baqaphele ngokungenakucinga inkqubo yokuboleka imali, baze bafake isayinwe kwisivumelwano ngaphandle kokuyifunda kuze kube sekupheleni kwaye bangaziqondi ngokwabo iimeko ezithile malunga nokufumana imali yokusetyenziswa. Njengomthetho, iphelela ngento yokuba emva kwexesha umntu uqala "ukuphazamisa" malunga nendlela yokufumana imali. Udinga ukuthatha iitaliti ngokungathí sina, balale amathuba akho amaxesha amaninzi, ufunde ngenyameko isivumelwano, misela apho kunenzuzo ngakumbi ukuboleka imali, ngoko ayiyi kuba nekhanda lokuhlengahlengiswa.
Into eyona nto kukuqonda ukuba ukuyila kwemboleko akufanele kuphele. Kunoko, enye yeendlela ezininzi zokusombulula iingxaki zokuphila eziphuhlisayo. Le yinkonzo ekufuneka uyihlawule.