Mutachotsedwa Ntchito Kodi Mankhwala Ake Nchiyani?

“Zidzakhala zovuta. Mabizinesi ambiri alibe ndalama, koma sakuzikhulupirirabe.”—Woyang’anira chuma wa ku United States.

ANTHU ambiri akuyang’anizana kale ndi vuto lenileni la kulosera koopsa kumeneko, koperekedwa chakumapeto kwa 1990. M’makampani ena, antchito omwe “akupulumukabe” amadera nkhaŵa kuti mwina adzakhala otsatira kuchotsedwa ntchito.

Kodi mungachitenji mutachotsedwa ntchito lero? Njira yanzeru ndiyo kukhala wokonzekera. Monga momwe nkhani yapitayo inasonyezera, kutaikiridwa ntchito kumachititsa ponse paŵiri vuto la ndalama ndi malingaliro. Chotero, kumaloŵetsamo zambiri koposa kungolipirira zinthu zogula. Pansipa pali zitsogozo zomwe zathandiza ena kukhala okhazikika m’zandalama ndi malingaliro pamene ayang’anizana ndi vuto la kutaikiridwa ntchito.

1. Musakhale Wosakhazikika Mtima

Pamene Dominick anachotsedwa ntchito, anafunikira kubweza nyumba yake kwa a banki ndi kusamutsira banja lake m’nyumba ya amake. Uphungu wake ndiwo kukhazika mtima, mosasamala kanthu za mmene mkhalidwewo ungawonekere kukhala wovuta. “Kaya mukhale pantchito kapena paulova, simudzasungunuka ndi kuzimiririka ayi,” iye anatero. “Ndinafunikira kudziŵa mowona mtima kuti tonse sitikamwalira.” Mmalo modzaza maganizo ndi malingaliro oipitsitsa, moleza mtima lingalirani pa zothetsera zothandiza.

2. Khalani ndi Maganizo Abwino

Jim ndi Donna ali ndi ntchito zaganyu zinayi pamodzi. Komabe, iwo amapeza ndalama zochepa kuposa zimene Jim ankalandira pamene anali pantchito yanthaŵi zonse. Mosasamala kanthu za izi, iwo achilandira kukhala chokumana nacho chophunzitsirapo ana awo asanu. Donna ananena kuti: “Popanda mavutowo iwo akanakhala bwinopo m’njira ya zinthu zakuthupi. Koma akanaphonya mavuto amene amaphunzitsa kukhala ndimoyo.”

3. Tsegulani Maganizo Anu ku Mitundu Yatsopano ya Ntchito

Ngakhale ogwira ntchito za muofesi angasankhe kusintha ntchito ndi kuyamba yatsopano. “Anthu samayang’ana pa ntchito zina kufikira atakakamizidwa kutero,” anatero Laura, yemwe anachotsedwa ntchito yauyang’aniro. “M’ma 1990,” iye anatero, “anthu ayenera kuphunzira kukhala okhoza kusintha.” Kuyesa kupeza mtundu wa ntchito imene munazoloŵera—kapena malipiro amodzimodzi—kungangochepetsa mwaŵi wanu wakupeza ntchito. Ichi chimasonyeza chifukwa china chimene antchito za muofesi amatengera nthaŵi yaitali kupeza ntchito kuposa antchito zamanja. Chotero tsegulani maganizo anu ku kuthekera kwa mitundu yatsopano ya ntchito. Ena akhala achipambano m’kuchita ntchito zinazake kwa ena, monga ngati kukonza m’nyumba.

4. Dalirani pa Ndalama Zimene Mumapeza—Osati za Wina

Chiŵiya champhamvu kwambiri m’kutsatsa ndicho kupanga “kusoŵa” kumene panalibepo. Kaŵirikaŵiri mumapangitsidwa kulingalira kuti wina aliyense (kusiyapo inuyo) amadziŵa ndipo akuchitapo kanthu pa chosoŵa chimenecho. ‘Iyi ndiyo stayelo imene aliyense akuvala [kusiyapo inuyo].’ ‘Kanema imene aliyense akusimba [chotero nchifukwa ninji simunaiwonerere?].’ ‘Galimoto imene aliyense akuyendetsa [kodi mudzaigula liti?].’

Zokopa zofananazo zingayambukire mmene timawonera zinthu ndimmene timawonongera ndalama. Bwenzi lanu likupita paulendo wodya ndalama zambiri. Mwadzidzidzi mufuna kutenga tchuthi. Bwenzi lina ligula galimoto yatsopano. Mwadzidzidzi galimoto yanu iwoneka kukhala yakale, yosakhutiritsa. Kukhumbira zimene aliyense akuchita kudzangokupangitsani kuwononga ndalama zimene mulibe, kugula zinthu zimene simukuzifunikira kwenikweni. Peŵani kuyerekezera kudzigonjetsa koteroko.

Jim, wochotsedwa ntchito wotchulidwa poyambapo, ananena kuti: “Anthu amasweka maganizo pamene satha kupitiriza njira ya moyo imene akuganiza kuti amaifuna. Mungoyenera kudera nkhaŵa za chakudya ndi nyumba. Zotsalazo nzosafunikira kwenikweni.” Monga momwe Baibulo limalangizira pa 1 Timoteo 6:8, ‘khalani okwanira ndi zakudya ndi zofunda.’

5. Chenjerani ndi Ngongole

Khadi langongole lingakhale chinthu chokupatsani phindu, koma lingakhalenso chokugwetserani m’ngongole chachikulu koposa. Ena amagwiritsira ntchito khadi la ngongole monga chowachirikiza. Amaligwiritsira ntchito kunyalanyaza kotheratu funso lakuti ‘kodi ndingathe kuchigula?’ Khadilo limakulolani kuwononga ndalama popanda kulingalira ndipo limapha ululu wa kupwetekedwa ndi kutaya ndalama.

M’zaka zaposachedwapa kugwiritsira ntchito makadi angongole kosasamala kwafalikira m’maiko ambiri. Kodi pakhala zotulukapo zotani? Wogwira ntchito yogulitsa makompyuta wa ku Korea yemwe anagula galimoto yatsopano mogwiritsira ntchito khadi langongole anaika nkhaniyi mwachidule kuti: “Pamene nthaŵi ifika yakuti ndilipire ngongole zanga, nthaŵi zonse ndimamva moipa kwambiri. Ziri ngati kuti ndinangotaya ndalamazo.” M’Japani pafupifupi theka la onse ofunafuna kupatsidwa uphungu pa zandalama ali m’misinkhu ya zaka za m’ma 20. Makadi angongole okwanira 140 miliyoni m’dzikolo kwakukulukulu amapezedwa kukhala ochititsa ngongole zazikulu za achichepere.

Chotero chenjerani ndi khadi langongole. Ligwiritsireni ntchito, koma musalole kuti ilo likugwiritsireni ntchito. Musalilole kukulepheretsani kuwona kaimidwe kanu kenikeni m’zandalama. Zimenezi zidzangowonjezera chipsinjo cha kutaikiridwa ntchito.

6. Lisungeni Banja Kukhala Logwirizana

M’kufufuza kofunsa anthu okwanira 86,000, oposa chigawo chimodzi mwa zitatu anati ndalama zinali vuto lalikulu koposa muukwati wawo. Kupenda kwina kunapeza kuti ndalama zinachititsa ndewu zochuluka. “Kukhala ndi maganizo osiyana kulinga ku ndalama kungadodometse maunansi,” anatero wopenda chuma Grace Weinstein.

Ngakhale okwatirana owonekera kukhala ogwirizana kwenikweni angakhale ndi malingaliro osiyana kwambiri ponena za ndalama ndi mmene ziyenera kugwiritsiridwa ntchito. Wina akhoza kukhala wouma dzanja mopambanitsa, winayo wowononga ndalama wosasamala.

Ngati palibe kukambitsirana, nkhani za ndalama zikhoza kukula nkukhala ndewu m’banja. ‘Zolingalira zizimidwa popanda upo,’ limatero Baibulo pa Miyambo 15:22. Ndipo pokambitsirana nkhani za ndalama, yesani kumvetsetsa ndi kulolera malingaliro a mnzanu.

7. Sungani Ulemu Wanu Waumwini

Grace Weinstein ananena kuti: “Mwamuna kapena mkazi amene sakulandiranso ndalama, amakhala ndi vuto lamalingaliro la kudzimva kukhala m’malo otsika ndi kuchepekera kwa kudzidalira, zonse ziŵiri zochititsidwa ndi kutaikiridwa ulemu waumwini.”

Musafulumire kugamula kuti munachotsedwa pantchito chifukwa chakuti simunkaŵerengeredwa monga wantchito. Rani wazaka zakubadwa makumi aŵiri mphambu zisanu ndi zinayi anachotsedwa ntchito milungu itatu yokha pambuyo pakulandira malipiro okwezedwa koposa pa kupendedwa kwapachaka. Pamene kuli kwakuti kukhala wantchito wowona mtima, wokhulupirika kungapeŵetse munthu kuchotsedwa ntchito, sizimakhala choncho nthaŵi zonse. Chotero munthu sayenera kuwona kuchotsedwa ntchito kukhala chiukiro ku ulemu wake. Antchito odaliridwa nawonso, akhoza kuyambukiridwa.

8. Pangani Bajeti

Ambiri amaliwopa lingaliro lakupanga bajeti. Amalingalira bajeti kukhala chiletso, chinthu chimene chidzawaletsa kugula zimene akufuna. Siiri tero ayi. Bajeti ndichiŵiya chokuthandizani kufikira zonulirapo zanu, osati chokuletsani. Iyo yangokhala dongosolo lokhweka lolamulira zinthu, makonzedwe olembedwa okuuzani kumene ndalama zanu zikupita ndi mmene mungazipangitsire kupita kumene mufuna kuti zipiteko.

Modabwitsa, ambiri samadziŵa kumene amawonongera ndalama zawo. Mmalomwake, amakhala mnkhole wa kugula kwansontho ndiyeno nkudandaula kuti: “Kodi ndalama zonse zija zathera pati?” Kupeŵa kuwononga ndalama koteroko nkofunika kwambiri makamaka m’nthaŵi za kuvuta kwa ndalama. Baibulo limanena mwanzeru pa Miyambo 21:5 kuti: “Panga makonzedwe mosamalitsa ndipo udzakhala ndi zochuluka; ngati uchita mofulumira kwambiri, sudzakhala konse ndi zokwanira.”—Today’s English Version.

Kuti mutsatire chilangizo chimenechi, sungani cholembedwa. Lembani chirichonse chimene mumagula m’mwezi wathunthu, gaŵani m’magulu zowonongedwa zanu. Ndiponso, sungani cholembedwa cha unyinji wa ndalama zimene zimabwera. Ngati mupeza kuti zambiri zikutuluka kuposa zobwera, yang’anani pa zowonongedwa zanu kuti mupeze magwero a vutolo. Pamene mudziŵa zimene mumawononga ndi pamene mumaziwonongera, mukhoza kulamulira ndalama zanu.

Sungani bajeti yanu kukhala yokhoza kusintha. M’miyezi ingapo yoyambirira, zophophonya zidzadziŵidwa, ndipo zowonongedwa zina zikhoza kunyalanyazidwa. Pangani masinthidwe ndi zowongolera kufikira pamene bajeti iyenerera zosoŵa zanu. Chotero bajeti yabwino idzakhala mtumiki wanu, osati mbuye wanu.a

Zitsogozo zapamwambazi zingathandize munthu kupulumuka nyengo ya ulova. Koma kuti zikhale zogwira ntchito, mfundozi ziyenera kulinganizidwa ndi kuyerekezera koyenera kwa kufunika kwenikweni kwa ndalama. Ndithudi, kodi izo nzofunika motani? Kodi china chirichonse chiyenera kubwera pambuyo pa ndalama, ngakhale pamene munthu ataikiridwa ntchito? Tidzapenda mafunsoŵa m’nkhani yotsatira.

[Mawu a M’munsi]

[Bokosi patsamba 8]

Kupanga Bajeti:

1. Ŵerengerani ndindalama zingati zimene zimabwera.

2. Sungani cholembedwa cha mwezi wathunthu chosonyeza kumene ndalama zanu zimawonongedwera.

3. Pangani bajeti yozikidwa pa masitepe aŵiri oyambirirawo. Sankhani ndizingati zimene ziyenera kupatulidwira gulu lirilonse la zofunika.

4. Pangani masinthidwe ku bajeti yanu monga momwe zingafunikire.

[Chithunzi patsamba 7]

Okwatirana ayenera kukambitsirana kotero kuti nkhani za ndalama sizifikira kukhala ndewu m’banja