Njengomuntu ochithe iminyaka esebenza ngama-keepsakes angokwezifiso, ngingasho ngokuqiniseka ukuthi izinhlamvu zemali zesikhumbuzo zinendawo ekhethekile emhlabeni wezikhumbuzo ezikhumbulekayo. Kungakhathaliseki ukuthi ungumhambi ofuna ukuthwebula ingqikithi yohambo, noma inhlangano efuna indlela ehlukile yokukhumbula umcimbi,izinhlamvu zemali eziyisikhumbuzonikeza isixazululo esingaphelelwa isikhathi nesiphusile. Ezweni lanamuhla, lapho izinkumbulo zivame ukunyamalala zibe ukukhohlwa okudijithali, kukhona okuthile okunamandla mayelana nokubamba ithokheni ephathekayo yesikhathi esikhethekile.

Ngisakhumbula okokuqala ngiklama uhlamvu lwemali lwesikhumbuzo lwekhasimende. Bekungokweqembu labahloli abashisekayo ababefuna ukudala okuthile okukhethekile ohambweni lwabo lwaminyaka yonke lokuqwala izintaba. Babengafuni izikibha ezivamile noma izinkomishi—babefuna okuthile okuhlukile okungabamba ngempela umnyombo wohambo lwabo. Ngemva kwezingxoxo ezimbalwa, safinyelela embonweni wohlamvu lwemali lwangokwezifiso, oluphelele ngomklamo oyinkimbinkimbi obonisa indawo ababeyinqobile. Lapho ngibambe umkhiqizo osuphelile esandleni sami, ngangazi ukuthi sidale okuthile okungavamile. Isisindo sohlamvu lwemali, ukuqoshwa okuningiliziwe, umlayezo womuntu siqu ngemuva—konke kwahlangana ukuze kwakhiwe inkumbulo eyayingeyona nje enhle, kodwa ejulile yomuntu siqu. Lowo umlingo wezinhlamvu zemali eziyisikhumbuzo: zihlanganisa umzuzwana ngokuhamba kwesikhathi, ziwuguqule ube yisikhumbuzo esingokomzimba esinganakekelwa iminyaka ezayo.

Manje, ungase uzibuze, kungani uhlamvu lwemali? Yini eyenza ikhetheke kakhulu kunezinye izinto eziyisikhumbuzo? Impendulo itholakala ekuguquguqukeni kohlamvu lwemali nomthelela ongokomzwelo. Izinhlamvu zemali zinomlando omude njengezimpawu zenani nesiko. Kusukela ezikhathini zasendulo kuya emikhosini yanamuhla, iye yasetshenziselwa ukuphawula izenzakalo ezibalulekile, impumelelo, nezenzakalo ezingokomlando. Kukhona okuthile okuhlonishwayo ngokwemvelo mayelana nokwamukela uhlamvu lwemali lwangokwezifiso, kungakhathaliseki ukuthi luwumklomelo noma isikhumbuzo sokuhlangenwe nakho okubalulekile. Kuzihambi, izinhlamvu zemali zesikhumbuzo zinikeza indlela ehlangene, ehlala isikhathi eside, futhi ejabulisa ngobuhle yokuthwebula izinkumbulo endaweni ethile noma umcimbi. Azikuthathi isikhala esiningi emthwalweni wakho, kodwa zinenani elikhulu lemizwa. Ngikhulume namaklayenti amaningi angitshela ukuthi agcina izinhlamvu zemali zawo zesikhumbuzo emadeskini awo noma ezibukweni ezikhethekile ekhaya, asebenza njengezikhumbuzo zansuku zonke zezenzakalo ezidlule. Uma uyinhlangano, izinhlamvu zemali zesikhumbuzo zinikeza ithuba eliyingqayizivele lokufaka uphawu. Kungakhathaliseki ukuthi usingethe ukuhoxa kwebhizinisi, umcimbi wenhlangano esiza abantulayo, noma umkhosi, uhlamvu lwemali lwangokwezifiso olunophawu lwakho nemininingwane yomcimbi lungaphakamisa umkhiqizo wakho emehlweni ezithameli zakho. Abantu bathanda ukuqoqa lezizemalingoba akuzona nje izinto zokukhangisa—ziyizikhumbuzo ezihlala njalo.

Esinye sezinto engizizwile engizikhonzile ngisebenza ngezinhlamvu zemali kwakuyinkampani yezokuvakasha eyisipesheli ngohambo oluqondisiwe lwezindawo zomlando. Babefuna ukunikeza izivakashi zabo okuthile okungaphezu nje kwencwajana evamile noma i-keychain. Sisonke, sidale uchungechunge lwezinhlamvu zemali eziyisikhumbuzo, ngayinye ibonisa uphawu oluhlukile abaluvakashele ngesikhathi sokuvakasha. Izinhlamvu zemali zaba yingoma esheshayo, izivakashi ziqoqa ngokujabula uhlamvu lwemali olusha esitobhini ngasinye. Ekupheleni kohambo, base beneqoqo eligcwele lezinhlamvu zemali, ngayinye imelela umzuzu okhethekile ohambweni lwabo. Umthelela walezi zinhlamvu zedlulele ngaphezu kohambo lwangaleso sikhathi. Izivakashi zizobuya zizovakasha ezizayo, zizimisele ukuqedela iqoqo lazo noma zithole uhlamvu lwemali olusha lwendawo ehlukile. Bekuyindlela elula kodwa esebenzayo yokuthi inkampani yakhe ukwethembeka futhi idale izinkumbulo ezihlala njalo kumakhasimende ayo. Ngakho-ke, noma ngabe uhlela uhambo lwakho olulandelayo noma uhlela umcimbi, cabanga ngomthelela ongapheli uhlamvu lwemali lwesikhumbuzo olungaba nalo. Akuyona nje inkumbulo—kuyindaba, inkumbulo, nokuxhumana okubambekayo kwesikhashana okubalulekile. Futhi ngithembe, lapho unikeza umuntu uhlamvu lwemali oluklanywe kahle oluqondene naye nje, ukubukeka kokumangala nokwazisa ebusweni bakhe kuyinto ongeke uyikhohlwe.