Rod Blong No Mekem Ol Bigfala Kaon

LONG taem blong yumi we laef i stap jenis bigwan, i hadwok blong gat naf mane blong pem ol samting we famle i nidim. ?Olsem wanem blong winim problem ya?

Rod blong winim i no blong kasem moa pei long wok blong yu. Ol man we oli stadi long bisnes ya blong mane, oli talem se rod blong winim i blong tingtinggud weples yu stap kasem mane, mo weples yu stap spenem mane, mo tu, blong tingtinggud fastaem long ol disisen blong spenem mane. Blong mekem olsem, yu nidim wan plan blong spenem mane.

Winim Tingting Ya Blong No Wantem Folem Wan Plan Blong Spenem Mane

Woman we i givim advaes long saed blong mane, Grace Weinstein, i talem se, tok ya ‘wan plan blong spenem mane’ i “mekem ol man oli tingbaot samting we oli no glad blong mekem.” Taswe, plante man oli no wantem mekem wan plan olsem. Mo tu, samfala oli ting se ol man we oli kasem smol pei mo oli no skulgud, olgeta nomo oli nidim wan plan blong spenem mane. Be, ol bisnesman we oli kasem bigfala pei, olgeta tu oli kasem trabol long saed blong mane. Wan woman blong givim advaes long saed blong mane i talem se: “Wan long ol faswan man we i kam luk mi, hem i stap kasem pei blong 18,700,000 vatu long wan yia . . . Kaon blong hem long kredit kad i kolosap 9,500,000 vatu.”

I gat wan narafala risen from wanem Michael, we yumi tokbaot fastaem, i no lukaot advaes long saed blong mane. Hem i talem stret se: “Mi fraet se ol narafala man bambae oli ting se mi krangke mo mi no gat hed.” Be yu no nidim blong fraet olsem. Save we yu nidim blong yusumgud mane, mo save we yu nidim blong winim mane, i no sem mak. Bighaf blong ol man oli no kasem trening blong yusumgud mane. Wan woman we i wok blong givhan long ol man we oli trabol, i talem se: “Taem yumi kasem stefeket long haeskul, yumi gat plante save long saed blong ol dip matematik, be yumi no save olsem wanem blong sevem mane.”

I no hadwok tumas blong lanem blong skelemgud mo folem wan plan blong spenem mane. Yu mas mekem wan lis blong mane we yu kasem mo wan lis blong mane we yu spenem—nao meksua se mane we yu spenem i no bitim mane we yu kasem. Yu save faenem glad long wok ya blong mekem wan plan blong spenem mane, mo yu save haremgud blong folem tu.

Weples Blong Stat

Fastaem, mekem wan lis blong mane we yu kasem. Samting ya i isi long bighaf blong yumi, from we yumi no stap kasem mane long plante ples. Maet yumi stap kasem nomo long pei blong yumi, intres long mane long bang, mo sam narafala samting olsem.

Be yu no mas kaontem mane we yu no sua blong kasem, olsem mane we yu save kasem taem yu wok moa haoa, presen we masta blong yu i save givim, mo ol narafala presen mane. Ol man blong givim advaes long saed blong mane oli givim woning se, sipos yu kaontem ol mane we yu no sua blong kasem, samting ya i save mekem se yu gat kaon. Taem yu kasem ol mane ya nomo, maet yu save yusum blong pem wan naesfala samting blong yu mo famle blong yu, no blong givhan long narafala we i gat nid, no blong givim presen long narafala.

I hadwok moa blong mekem wan lis blong ol mane we yu spenem. Robert mo Rhonda, we yumi tokbaot finis, tufala i no save weples ol mane we tufala i wok had blong winim i stap lus. Robert i eksplenem olsem wanem tufala i winim problem ya, i se: “Blong wan manis, mitufala wanwan i karem wan pepa i go wetem mitufala, mo mitufala i raetemdaon evri vatu we mitufala i spenem. Nating sipos i jes wan kap kofe nomo, mitufala i raetemdaon hamas we mitufala i spenem long hem. Long en blong dei, mitufala i raetemdaon hamas we mitufala i bin spenem, long wan spesel buk.”

Yes, fasin ya blong raetemdaon evri samting we yu spenem, bambae i givhan long yu blong faenemaot ‘mane we yu no save’ se i stap go wea. Be, sipos yu savegud fasin blong yu blong spenem mane, maet yu mekem disisen blong no raetemdaon hamas yu spenem evri dei, be jes raetemdaon hamas yu spenem evri manis nomo.

Raetem Mane We Yu Spenem Evri Manis

Maet yu wantem mekem wan plan olsem hemia we i stap antap. Long ples ya we i talem “Mane We Mi Rili Spenem,” raetem hamas mane yu stap spenem long ol wanwan samting. Yu no mas raetem plante tumas defren rod we yu stap spenem mane long hem, maet “kakae,” “haos,” mo “klos” nomo. Be, insaed long ol haf ya, yu mas sua blong raetem olgeta wanwan samting we yu spenem mane long hem. Robert mo Rhonda, tufala i spenem bigfala mane oltaem blong go kakae long restoron. Ale, tufala i faenem se i moagud blong raetem tu haf olsem “kakae long restoron” mo “pem kakae long stoa.” Sipos yu laekem blong singaot plante man oli kam kakae long haos blong yu, yu save mekem wan narafala haf aninit long stampa tok ya “kakae.” Yu mas mekem se lis ya i soem prapa fasin blong yu mo ol samting we yu yu laekem blong mekem.

Taem yu mekem lis blong yu, yu no mas fogetem ol mane we yu pemaot fo taem long wan yia, tu taem long wan yia, mo wan taem long wan yia, wetem ol narafala mane we yu pemaot wanwan taem nomo, olsem insurens mo takis. Be blong raetem olgeta long lis blong yu blong wan manis, yu mas seraotem ful praes i go long ol wanwan manis.

Wan impoten samting long lis blong ol mane we yu spenem, hemia “ol mane we yu sevem.” Plante man oli no tingbaot mane we oli sevem olsem mane we oli spenem. Be, i waes blong sevem sam mane long pei blong yu evri manis, blong bambae yu save mekem sam spesel samting, no winim wan trabol we i save kamaot wantaem nomo. Grace Weinstein i talem se i impoten blong putum mane we yu sevem, long lis blong mane we yu spenem. Hem i se: “Sipos yu no save sevem 5 pesen blong pei blong yu afta we yu pem takis, (i moagud sipos yu save sevem moa), ale yu nidim blong mekem i strong moa long yu wan. Yu mas stopem fasin blong yusum kredit kad, yu mas jenisim fasin blong laef blong yu lelebet, mo yu mas pem ol samting we yu nidim nomo.” Yes, yu no mas fogetem blong putum mane we yu sevem evri manis insaed long plan blong yu blong spenem mane.

I gud blong traem holem sam mane i stap long bang, from we maet yu lusum wok blong yu. Taswe, naoia ol man blong givim advaes oli talem se i gud blong traem sevem mane sloslou, gogo yu gat mane long bang we i sem mak long pei blong yu blong sikis manis. Wan man blong givim advaes long saed blong mane i talem se: “Sipos masta blong yu i givim moa pei long yu, putum haf blong hem i stap long bang.” ?Yu yu harem se yu no gat rod blong sevem mane?

Tingbaot Laxmi Bai long India, we hem i pua tumas, olsem plante narafala we oli laef afsaed long ol taon long India. Evri dei, hem i karemaot smol raes we hem i rere blong kukum, ale i putum i stap long wan graonpot. Afta we sam taem i pas, hem i salem raes ya mo i putum mane we hem i kasem long bang. Hemia i mekem rod blong hem i save karem mane long bang, nao hem i givhan long boe blong hem blong statem wan bisnes blong fiksimap baskel. India Today i talem se ol smosmol fasin olsem blong sevem mane, oli bin jenisim laef blong plante man bigwan. Samting ya i mekem se oli no moa dipen long narafala blong pem ol samting blong olgeta.

Be, blong gat wan gudfala plan blong sevem mane, i no jes we yu mekem wan lis long ol mane we yu kasem mo ol mane we yu spenem. Antap long samting ya, yu no mas spenem moa mane bitim we yu kasem. Blong mekem olsem, maet yu mas katem mane we yu stap spenem.

?Yu Yu Nidim Samting Ya?

Makemgud tok ya “?Nidim?” long plan long pej 9. I impoten blong tingtinggud long haf ya, antap moa sipos yu luk se namba blong “Mane We Mi Makemaot” i bigwan moa bitim mane we yu kasem. Be, samtaem i hadwok blong save sipos yu nidim wan samting no nogat, mo hamas mane yu mas makemaot blong pem samting ya. Problem ya i kamaot moa naoia we laef i stap jenis bigwan, mo we oltaem i gat ol nyufala samting oli kamaot, mo plante pablisiti long televisin mo radyo blong pulum ol man blong bilif se oli nidim ol samting ya. I gud blong skelem evri samting we yu wantem pem, se hem i samting we yu rili nidim, samting we maet yu nidim nomo, no samting we yu laekem blong gat.

Lukluk ol wanwan samting long lis blong yu. Afta we yu tingtinggud, makem “Y” long haf ya “?Nidim?” sipos yu rili nidim samting ya. Makem “?” sipos yu no sua se yu nidim. Makem “N” sipos hem i samting we yu laekem blong pem nomo. !Yu no mas fogetem se, fulnamba aninit long haf ya “Mane We Mi Makemaot” i no mas bitim mane we yu kasem blong wan manis!

Ol samting we yu makem “?” mo “N,” i klia se hemia nao ol samting we yu mas traem katem. Maet yu no nidim blong katem olgeta evriwan. Yu mas skelemgud ol wanwan samting blong luk sipos glad we bambae yu kasem from samting ya i bigwan moa bitim kaon we yu mas pem biaen, nao katem ol samting folem tingting ya. Taem Robert mo Rhonda i skelem lis blong tufala, tufala i luksave se tufala i stap spenem 50,000 vatu evri manis long ol restoron. Hem i wan fasin we tufala i foldaon long hem, from we tufala i no save olsem wanem blong kukum kakae. Be, Rhonda i stat blong lanem, mo biaen hem i se: “Naoia, mi laekem tumas blong kuk, mo mitufala i kakae moa long haos.” Robert i talem se: “Naoia mitufala i go long restoron long ol spesel taem nomo, no taem mitufala i nidim.”

Taem laef blong yu i jenis, ating yu mas skelem bakegen ol samting we yu rili nidim. Olsem faswan store long magasin ya i talem, mane we Anthony i kasem i godaon bigwan. Fastaem, hem i kasem 4,800,000 vatu evri yia, be biaen i godaon long 2 milyan vatu, mo i stap olsem blong tu yia. Sipos samting olsem i hapen long yu, maet yu mas mekem wan strong plan blong spenem mane, we yu katem olgeta samting we yu no nidim.

Anthony i mekem olsem. Nating se i hadwok long hem, hem i katem bigwan, mane we hem i spenem long kakae, klos, taksi, mo pleplei, nao hem i no lusum haos blong hem.a Hem i talem se: “Famle blong mifala i mas luksave ol samting we mifala i rili nidim mo ol samting we mifala i wantem nomo. Problem ya i mekem se mifala i lanem plante samting. Naoia, mifala i save olsem wanem blong haremgud long smol samting nomo.”

Katem Ol Kaon

Sipos yu no katem sam kaon blong yu, maet i hadwok blong stap laef wetem mane we yu kasem. Samfala kaon we bambae yu tekem longtaem blong pem, oli save givhan long yu biaen. Olsem wan haos we biaen yu save salem long praes we i bigwan moa. Be ol kaon from ol kredit kad we yu yusum blong pem ol samting evri dei, oli save mekem bigfala trabol long yu. Taswe, Newsweek i talem se: “Yu no mas pem intres antap long kaon blong kredit kad blong yu.”

Ol man blong givim advaes long saed blong mane, oli talem se i gud blong pem fulwan kaon blong kredit kad, nating se yu mas yusum sam mane we yu bin sevem. I krangke nomo blong gat ol kaon wetem bigfala intres, taem yu gat mane i stap long bang we yu kasem smol intres nomo long hem. Michael mo Reena tufala i luksave samting ya, ale tufala i karemaot mane long ol bond we tufala i gat, nao tufala i pem ful kaon long kredit kad blong tufala. Tufala i mekem disisen blong neva gat bigfala kaon olsem bakegen.

Robert mo Rhonda tufala i no gat mane long ol bond no long bang. Taswe, tufala i mas folem wan strong plan blong spenem mane. Robert i talem se: “Mi putumap wan bigfala waet bod blong makem olsem wanem kaon blong mitufala i stap godaon evri manis, nao mi putum bod ya long rum blong mitufala, we mitufala i save lukluk evri moning. Samting ya i mekem tingting blong mitufala i strong evri dei.” !Long en blong yia, mitufala i haremgud tumas blong finisim kaon blong kredit kad we hem i 600,000 vatu!

Long sam kantri, bifo, man i save win sipos hem i folem plan ya we bang i holem haos no wan narafala samting blong hem mo i givim mane long ples blong hem, ale man ya i pembak mane ya sloslou. Be naoia, plan ya i no stap givhan long man olsem bifo. Mo sipos yu pem wan haos naoia, yu save pem bigfala intres. ?Ale, yu save mekem wanem blong katem mane ya we yu mas givimbak long bang? Newsweek i talem se: “Faswan mane we yu givim blong pem wan haos, yu save mekem i bigwan moa bitim samting we bang i askem. Sipos no, pem wan haos we praes blong hem i daon moa. Sipos yu gat wan haos finis, yu no mas tingting blong pem wan haos we i moagud no i bigwan moa.”

Yu save katem praes blong wan trak sipos faswan mane we yu givim i bigwan bitim samting we oli askem. Be yu mas sevem mane ya fastaem. Blong mekem olsem, raetem samting ya long plan blong yu blong spenem mane. Mo tu, maet i moagud blong pem wan trak we i no nyuwan olgeta, wan gudfala sekenhan trak.b From we praes blong hem i no antap tumas, maet yu no nid blong pembak bigfala intres long mane we yu tekem long bang. Maet yu save pem trak ya we yu no nidim blong askem mane long bang nating.

?Bambae Yu Win?

Blong folemgud wan plan blong spenem mane, plan ya i mas wan we yu naf blong folem. Wan man mo waef blong hem we tufala i haremgud blong folem wan plan blong spenem mane, i talem se: “Plan ya i no save wokgud sipos mane we yu makemaot blong pem ol samting blong famle i smol tumas, mekem se yu no save pem ol samting we yufala i nidim blong wan manis.”

Wan narafala impoten samting blong tingbaot taem yu folem wan plan blong spenem mane, hemia se ol memba blong famle oli mas toktokgud tugeta long saed ya. Olgeta we bambae oli folem plan ya, oli mas gat jans blong talemaot ol tingting mo filing blong olgeta we ol narafala oli no jikim olgeta from. Sipos ol memba blong famle wanwan oli kasem save long ol samting we ol narafala oli nidim mo wantem, mo sipos oli save trufala problem long saed blong mane we famle i gat, bambae oli rere moa blong wok tugeta, mo bambae i gat moa jans se plan ya i save wokgud.

Long taem blong yumi we laef i had tumas, mo wol ya i stap jenis oltaem, i gat moa wari i kamaot long ol famle long saed blong mane. (2 Timote 3:1; 1 Korin 7:31) Yumi nidim “waes we i wokgud” blong winim ol wari blong laef naoia. (Proveb 2:7) Wan plan blong spenem mane, maet hemia stret samting we yu nidim blong givhan long yu.

[Ol Futnot]

[Tok Blong Makem Poen Long Pej 11]

Skelemgud ol wanwan samting blong luk sipos glad we bambae yu kasem from samting ya i save bitim kaon we yu mas pem

[Tok Blong Makem Poen Long Pej 12]

!Lukaot blong no pem bigfala intres long kredit kad!

[Map blong pija long pej 9]

LIS BLONG MANE WE MI KASEM MO SPENEM EVRI MANIS Manis

MANE Mane Mane

WE MI We mi We Mi

SPENEM Kasem ?Nidim? Makemaot

Evri Blong

Manis Spenem

Kakae:

l Kakae We Mi Pem Long Stoa

Restoron

Singaot Ol Narafala Oli Kam Long Haos

Haos:

Mane We Mi Mas Givimbak Long Bang no Ren

Ol Narafala Samting Blong Haos

Klos:

Taksi

Ol Presen

●

●

●

Mane We Mi Sevem

Takis

Insurens

Ol Narafala Samting

TOTAL (skelem wetem mane we yu kasem)

MANE WE MI KASEM EVRI MANIS

Pei

Graon no haos we mi rentem (sipos yu gat)

Intres long mane long bang

TOTAL (skelem wetem ol mane we yu spenem)

[Tok Blong Pija Long Pej 10]

Blong mekem se plan blong spenem mane i wokgud, i impoten we famle i toktokgud tugeta