Volgende week gaan nog \u2019n rentekoersverhoging meebring wat dit nog moeiliker gaan maak vir alledaagse Suid-Afrikaners om kop bo water te hou, aangesien maandelikse terugbetalings waarskynlik weer gaan toeneem.<\/p>\n\n\n\n
Verskeie ontleders en navorsers wys op nog \u2019n styging, wat dit die tiende agtereenvolgende verhoging in die koerssiklus sedert November 2021 maak.<\/p>\n\n\n\n
Die volgende verhoging sal na verwagting op 25 Mei deur die Suid-Afrikaanse Reserwebank (SARB) se Monet\u00eare Beleidskomitee (MBK) aangekondig word.<\/p>\n\n\n\n
In Maart het die MBK die mark verras toe hy die koers met 50 basispunte verhoog het, wat die repokoers tot 7,75% en die prima uitleenkoers tot \u2019n 14-jaar-hoogtepunt van 11,25% verhoog het.<\/p>\n\n\n\n
So, dit laat die vraag ontstaan: Wat is rentekoerse, hoekom styg dit en hoe raak dit jou? <\/p>\n\n\n\n
\n Die Reserwebank, wat ses keer per jaar vergader, gebruik rentekoerse om inflasie te bestuur. Inflasie is eenvoudig hoeveel \u2019n geweegde mandjie goedere en dienste, soos kruideniersware en petrol, van een tydperk tot \u2019n ander styg. Die veranderings word in persentasies uitgedruk, en aangesien Suid-Afrika se inflasieteiken tussen 3% en 6% is, is dit die Reserwebank se mandaat om hierdie teikenband te handhaaf. Tans is Suid-Afrika se jaarlikse inflasiekoers geraam op 7,2%. Die ho\u00eb inflasie is te wyte aan verskeie kwessies, maar die belangrikste is die styging in olie- en landboukommoditeitspryse soos koring en suiker. Dit beteken dit kos meer om goedere te vervoer en benodigdhede soos kos te produseer. <\/b>\n<\/b><\/p>\n\n\n\nWat beteken dit vir die verbruiker?<\/b><\/h1>\n\n\n\n\n
As jy krediet het, of dit nou verseker of onverseker is, en die rentekoers styg, sal jou maandelikse terugbetaling ook styg. \u2019n R1 miljoen-verbandterugbetaling sal byvoorbeeld sowat R485 meer per maand kos indien die rentekoers met 0,75% gestyg het. Dit sal ongelukkig jou besteding beperk aangesien goedere ook meer sal kos.<\/p>\n
\n Hier is \u2019n paar vinnige wenke om die druk van stygende rentekoerse op jou sak te bestuur:<\/b>\n<\/p>\n
1. Hou tred met wat jy bestee. Kyk waarheen jou geld gaan en of daar maniere is om op sommige uitgawes te besnoei. Jy kan byvoorbeeld minder bestee aan wegneemetes en lekkernye en daardie geld in jou verband of ander krediet plaas. <\/p>\n
2. Skuif jou kredietdebietorder so na as moontlik aan die datum waarop jy jou inkomste kry. Op hierdie manier sal jy weet dat jou debietorder betaal is en jou nie hoef te bekommer om geld vir die res van die maand opsy te hou nie.<\/p>\n
3. Kyk na ander maniere om kontant los te maak, soos om jou lojaliteitsprogramme, soos eBucks, te gebruik om jou nodige besteding soos kruideniersware, brandstof en toiletware aan te vul.<\/p>\n
4. Kospryse het die afgelope paar maande gestyg, so soek maniere om geld op kos te bespaar, soos om een ??keer per maand nie-bederfbare produkte te koop en \u2019n weeklikse spyskaart uit die spens te skep, en dan net \u2019n paar vars goed elke week te koop.<\/p>\n
Die goeie ding van die rentekoerssiklus is as jy spaargeld het, soos noodspaargeld, of jy leef van die rente uit kontantbeleggings, moet die rente op hierdie spaargeld ook styg. Dit beteken jy sal meer rente verdien, dus sal meer rente elke maand betaal word.<\/p>\n
As jy wel kontant vrymaak deur middel van die wenke hierbo, dink daaraan om dit eerder te gebruik om enige duur krediet wat jy het, af te betaal, om te spaar vir \u2019n noodgeval of om jou langtermyndoelwitte te bereik, soos aftreespaargeld. <\/p><\/b>\n\n\n\n
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