Ukwandisa, omnye kufuneka aveze imibuzo malunga nezinga lokutshintshiselwa kwe-ruble. Ezoyika ngenxa yokuguquka okubukhali kwimali, amaRussia ayesaba ukusilela kwaye aphephe ngokukrakra, engazi ukuba benzani nemali kwimeko enzima kangaka. Masizame ukuqonda imeko kwizoqoqosho kunye neengcali.
Ngaba kuya kuba ne-Russia e-2015?
Ukwesaba ukungagqibekanga kubangelwa ngamava aseRussia. Ukuhlaziywa kwe-ruble kunxulumene ngokuqinileyo kunye ne-state bankruptcy, oko kukuthi, ukutshatyalaliswa, ithetha ukungagqibekanga. Ngaba kunokwenzeka kwikamva elikufutshane. Ngokucacileyo akunjalo. Ngokuqinisekileyo, amandla okuthenga wesizwe mali iya kuncipha, kodwa ulinde ukuhlahloka kwebhajethi ngo-2015 akufanelekanga. Ubungakanani boqoqosho lwaseRussia kunye nengxowa-mali ye-reserve ayikhuselekanga ngokungekho mqathango kwiimeko ezingenakulungelekiyo ezinokuthi zenzeke kuphela kulo nyaka.
Yintoni endiyenzayo ukuba ndiyenze ukuba kukho okungahleliyo?
Ngokwalo, ukusilela akusoyikiyo kubemi belizwe. Ibhajethi yohlahlo lwabiwo-mali oluphambi kwayo lubuhlungu, kwakunye neendlela zikaRhulumente ezijolise ekuzaliseni-ukunyuka kwamaxabiso. Ngokuqhelekileyo i-bankruptcy yombuso ihamba kunye nokuwa kwezimali zesizwe, okukhokelela ekunyuseni ngokukhawuleza kwexabiso lempahla engeniswayo, kwaye ngokuphindaphindiweyo ukuya kwabasekhaya. Yilokho okwenza kube ngentshiseko ukukhangela iindlela zokugcina imali kwi-default. Kuyaqondakala ukuba, ukuba namava anjalo, amaRussia aqala ukukhathazeka, ukujonga ukuguqulwa okubukhali kwe-ruble, ngenxa yokunciphisa ioli kwinyanga ezizayo. Nangona kunjalo, akukho nto ikhoyo! Nangona kunjalo, ukuhlaziywa, okwenene, kuyisizathu sokukhathazeka ngokukhuseleko lwemali. Nangona kunjalo, imali ihlala ifuna ingqalelo.
Yintoni enokuyenza ngemali ngoku?
Xa befunde malunga nokuhlaziywa, abaninzi baseRussia baxhamla ukuthenga nayiphi na impahla. Ukuba akukho naliva lotyalo-mali, ngoko isigqibo sokuchitha imali ehlaziyiweyo sinokuqikelela, ngokuqinisekileyo, ukuba ixabiso leempahla ezifunekayo zithengwa. Kodwa abaninzi abantu bafuna ukukhangela imali, ekufuneka igcinwe kwi-default, ukuhlaziywa kunye nezinye iingxaki. Ukuba kukho imali eninzi yokuthengiswa kwezindlu, kwaye zise-ruble, ngoko kuqikelele ukuthenga i-real estate. Sekunjalo, iRuble yaseRashiya, ibe yimali yoqoqosho oluphuhlisayo, ayinamandla ngokwaneleyo ukuba angabi nako ukulahlekelwa lixabiso layo ngexesha elide, nangona ukuba ingxaki yesabelomali ayikulindelwe ngaphambili. Awukwazi ukuthenga kuphela amafulethi, kodwa kunye neegaraji kunye neengqungquthela, ngaphandle kokuba kwiimarike ezithile kukho imfuno yokuqeshiswa kwezi ndawo.
Ukuba oku akunakwenzeka, ngoko kuvumelekile ukutyalo imali ngeemali, kodwa oku kunzima kuninzi, kwaye uninzi lwabantu baseRussia, ngaphandle kwamava nolwazi, benza iimpazamo ezinzulu ezikhokelela ekulahlekelweni, kungekhona inzuzo. Abaqulunqi bafumana, ngenxa yokukwazi ukubona kwangaphambili. Ukuba uthengela imali ngexesha lokukhula kwalo kubonakala, amathuba okulahleka aphakamileyo kakhulu, kuba ngaloo mzuzu bonke abathathi-nxaxheba bezentengiso baye bathengisa imali kwaye baqala ukuthengisa. Uninzi lwabantu abangenzi nzuzo, bengayazi ukuba benzani ngemali, xa behla, bathenga idola kwixesha elingenakwenzeka.
Ukuba isigqibo sokuthenga iidola sisenziwa, kufuneka ulungele ukufundisisa iingcamango zabahlalutyi ngaphambi kokwenza isivumelwano, kunye nokulandelwa kwangaphambili kwixesha elizayo. Ukuba akukho mnqweno onjalo, kungcono ukutyalo kwenye into. Ukongeza, akufanele utyalomali ngemali enye. Izingozi zifuna ukudibanisa, ngamanye amagama, awukwazi ukubeka amaqanda kwikheksi enye.
Kwakhona uya kuba nomdla kumanqaku: