In die vak ekonomie leer \u2019n mens van \u201csubstituut-goedere\u201d. Dit beteken indien een produk se prys die hoogte in sou skiet, sal jy dit waarskynlik oorweeg om iets soortgelyks, wat nie noodwendig jou eerste keuse is nie, in die plek daarvan te koop \u2013 \u2019n substituut. Jou gunstelingdrankie is byvoorbeeld wyn, maar as die prys van wyn oornag die hoogte in skiet, kan jy dit oorweeg om oor te slaan na bier, mits bier se prys dieselfde bly.<\/p>\n\n\n\n
Ongelukkig het ons nie substituut-produkte vir brandstof nie. Om my motor se wiele te laat draai, moet ek petrol ingooi \u2013 niks anders nie. <\/p>\n\n\n\n
Die laaste paar maande het die prys van brandstof die hoogte in geskiet. Aangesien geen \u201csubstituut\u201d daarvoor bestaan nie, kan \u2019n mens in die kort termyn nie veel daaraan doen nie, behalwe om jou ritte te beperk. Op die langer termyn kan \u2019n mens dit oorweeg om \u2019n motor wat ligter op brandstof is, te koop.<\/p>\n\n\n\n
Die ander hedendaagse opsie is om \u2019n elektriese voertuig te oorweeg. Ongelukkig kom \u2019n mens in hierdie geval te staan voor die werklikheid van Eskom se onvermo\u00eb om genoeg elektrisiteit op te wek. Dink nou net as jy dringend iewers heen moet ry en jou motor se battery is pap op \u2019n tydstip wat dit juis jou omgewing se beurt is om nie krag te h\u00ea nie.<\/p>\n\n\n\n
Nou sien ek Eskom, wat nie genoeg krag kan voorsien nie, wil volgende jaar \u2019n 32%-verhoging in sy tariewe h\u00ea. Een politieke party se reaksie was dat Suid-Afrikaners nie bereid is om meer te betaal vir donkerte nie.<\/p>\n\n\n\n
Ongelukkig veroorsaak die kombinasie van hemelho\u00eb brandstofpryse en beurtkrag (baie sakeondernemings moet tydens beurtkrag hul eie krag ten duurste opwek) dat die inflasiekoers al byna 8% is. Die Reserwebank se mikpunt vir die inflasiekoers is egter maar tussen 3% en 6%.<\/p>\n\n\n\n
Om inflasie hok te slaan, pas die Reserwebank gewoonlik rentekoerse opwaarts aan. Die ho\u00ebr maandelikse paaiemente behoort mense te ontmoedig om op skuld te koop. Dit is presies wat einde Julie gebeur het toe rentekoerse met \u2019n verdere 0,75% verhoog is. Dit bring die prima-uitleenkoers nou op 9% te staan. \u2019n Jaar gelede was dit maar 7%.<\/p>\n\n\n\n
Jare gelede was \u2019n welaf familielid lief daarvoor om by te bly met die nuutste modelle motors en elektroniese toerusting. Sy vrou se kommentaar was dan gewoonlik \u201cKoop se gat is weer oop\u201d, menende die gat in die beursie waardeur die geld vryelik uitvloei.<\/p>\n\n\n\n
Aan die ander kant is daar weer diegene wat altyd drie keer dink voordat enige geld sy of haar beursie sal verlaat. My pa het altyd ges\u00ea so iemand se beursie word so min oopgemaak dat wanneer hy dit wel doen om \u2019n geldnoot uit te haal om te betaal, Nelson Mandela (wie se gesig op die note gedruk is) sy o\u00eb knip, want hulle is nie gewoond aan die lig nie.<\/p>\n\n\n\n
Met die huidige ekonomiese knyptang wat ons ervaar, glo ek die meeste van ons sal maar vir eers ons beursies \u2019n bietjie minder moet oopmaak. Ongelukkig word sake-eienaars op hul beurt negatief geraak wanneer klante minder bestee \u2013 dit wil s\u00ea, die hele ekonomie is besig om na \u2019n laer rat toe oor te skakel. <\/p>\n\n\n\n
Wat staan ons te doen in sulke ekonomies uitdagende tye?.<\/span> Vermy verbruikerskrediet sover moontlik. Dit is veral korttermynkrediet soos vir klere en meubels, wat onbekostigbaar raak. Die rentekoerse op sulke produkte is besonder hoog..<\/span> Indien enigsins moontlik, koop kontant..<\/span> Aangesien ho\u00ebr rentekoerse maandelikse paaiemente laat styg, is dit voordelig om eerder skuld af te betaal as om nuwe skuld aan te gaan..<\/span> Bly kalm. \u2019n Bekende gesegde lui: \u201cTough times don\u2019t last, but tough people do.\u201d Ons ouers en grootouers het in die vorige eeu eers die Groot Depressie met gepaardgaande ho\u00eb werkloosheid beleef en net daarna die Tweede W\u00eareldoorlog. Dit was \u2019n tydperk van langer as vyftien jaar. N\u00e1 die oorlog het die meeste lande groot ekonomiese groei en vooruitgang beleef. <\/p>\n\n\n\n Laat ons vasbyt en aanhou hard werk vir \u2019n beter toekoms vir ons kinders.* David Malherbe is \u2019n sake- en loopbaan-konsultant van Langebaan. Kontak hom gerus by davidmalherbe1@gmail.com<\/i>.<\/p>\n","protected":false},"excerpt":{"rendered":" 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