Chifukwa Chake Ambiri Ali m’Ngongole

MICHAEL ndi Reena anakondwerera chaka chawo choyamba cha ukwati mwa kubwerera kumene anakacheza pambuyo pa phwando laukwati. Koma kuchiyambi cha chaka chachiŵiri cha ukwati wawo, iwo analoŵa m’mavuto. Mosasamala kanthu kuti anayesetsa kusinira ndalama zawo, iwo sanali kukwanitsa kulipirira zinthu zawo zonse zofunika.

Talingalirani za banja linanso. Robert anali kokha ndi loni ya maphunziro yaing’ono yoti abweze pamene anakwatira Rhonda, ndipo iyeyu anali chabe ndi ngongole ya galimoto. Robert akuti: “Tonse aŵiri tinali kugwira ntchito yanthaŵi zonse, ndipo tonse pamodzi tinali kupanga $2,950 pamwezi. Koma palibe chimene tinali kukwaniritsa.” Rhonda akuti: “Sitinagule zinthu zambiri zilizonse kapena kuchita chilichonse chachilendo. Sindinathe kudziŵa bwino kumene ndalama zathu zinali kupita.”

Robert ndi Rhonda sanali aulesi. Ngakhalenso Michael ndi Reena. Kodi vuto lawo linali chiyani? Ngongole za pa khadi la ngongole. M’chaka choyamba chokha cha ukwati wawo, Michael ndi Reena anali ndi ngongole yokwanira $14,000 ya pa khadi la ngongole. Patapita zaka ziŵiri za ukwati, ngongole ya Robert ndi Rhonda ya pa khadi la ngongole inakwanira $6,000.

Nayenso Anthony, mwamuna wa banja wa zaka zapakati, anali ndi vuto lalikulu la ndalama m’moyo wake. Komabe, mavuto ake sanali chifukwa cha makhadi a ngongole. Mu 1993 kampani imene ankagwirako ntchito inachotsa antchito ake ndipo Anthony anachotsedwa pa malo ake aumanijala omwe ankampezetsa $48,000 pachaka. Zimenezo zitachitika, kupeza zofunika za banja lake la anthu anayi kunamthetsa nzeru kwambiri. Mofananamo, Janet, kholo losakwatiwa la mu New York City, sanakwanitse zonse zofunika mu $11,000 yomwe ankapeza pachaka.

Pamene kuli kwakuti ndi zoona kuti mavuto ochuluka a ndalama akhoza kuthetsedwa mwa kuziyendetsa bwino, choonadi ndicho chakuti tikukhala m’nyengo pamene ambiri amaloŵa m’mavuto mwa kuyenda “m’chitsiru cha mtima wawo.” (Aefeso 4:17) Grace W. Weinstein, m’buku lake lakuti The Lifetime Book of Money Management, akunena kuti: “Njira zambiri zochitiramo malonda zasintha, kutembenuzidwiratu ndi mkhalidwe wosatsimikizirika wa zachuma, maganizo atsopano ponena za kugwiritsira ntchito ndalama ndi kuzisunga, ndi moyo womasintha.” M’dziko losalongosoka limene tikukhalamo, anthu owonjezereka akupeza kuti kuyendetsa ndalama zawo ndi za banja kukukhala kovuta kwambiri.

Mwamwaŵi, Michael ndi Reena, Robert ndi Rhonda, Anthony, ndi Janet anatha kuyendetsa bwino ndalama zawo. Tisanakambitsirane zimene zinawathandiza, tiyeni tisanthule njira yopezera katundu mosavuta imene yawonjezera masoka a zandalama a anthu ambiri—eya, makhadi a ngongole.