Mutu 19

Kodi Ndingatani Kuti Ndizigwiritsa Ntchito Ndalama Mwanzeru?

Kodi nthawi zambiri mumaona kuti mulibe ndalama zokwanira?

□ Ayi

□ Nthawi zina

□ Inde

Kodi mumakonda kugula zinthu zapamwamba zosagwirizana ndi ndalama zimene mumapeza?

□ Ayi

□ Nthawi zina

□ Inde

Kodi mumakonda kugula zinthu ngakhale kuti simukuzifuna koma chifukwa choti zatsika mtengo?

□ Ayi

□ Nthawi zina

□ Inde

KODI nthawi zonse mumaona kuti mulibe ndalama zokwanira? Mwina mumaganiza kuti mutakhala ndi ndalama zambiri, mukhoza kugula foni inayake yam’manja imene mukufuna. Kapena mutakhala ndi ndalama zambiri, mungagule nsapato zinazake zimene mukuzifunitsitsa. Mwinanso mungapewe vuto ngati limene mtsikana wina dzina lake Joan amakumana nalo. Iye anati: “Nthawi zina anzanga amandiitana kuti tipite kwinakwake kokasangalala, koma kofunika ndalama zambiri. Sindifuna kusiyana ndi anzangawo. Ndipo zingakhale zochititsa manyazi kulephera kupita kumalowo chifukwa choti ndilibe ndalama zokwanira.”

M’malo modandaula kuti simukhala ndi ndalama zokwanira, ndi bwino kuphunzira kugwiritsa ntchito mwanzeru ndalama zimene mumapeza. Kodi mukuchita kufunika kuti mudzakhale kaye panokha, kuti muphunzire kugwiritsa ntchito ndalama mwanzeru? Taganizirani izi: Ngati simudziwa kusambira, kodi mungadumphire mu mtsinje waukulu? N’zoona kuti munthu wosadziwa kusambira amene akukokoloka ndi madzi akhoza kuyesetsa kuti asambire. Koma zingakhale bwino kwambiri atayamba waphunzira kaye kusambira asanadumphire mu mtsinjewo.

Mofanana ndi zimenezi, nthawi yabwino imene mungaphunzire kugwiritsa ntchito ndalama mwanzeru ndi pamene mudakali panyumba pa makolo anu. Izi zili choncho chifukwa chakuti panthawi imeneyi mumakhala musanayambe kukumana ndi mavuto ambiri a zachuma. Mfumu Solomo inalemba kuti: “Ndalama zitchinjiriza.” (Mlaliki 7:12) Komatu ndalama sizingakutchinjirizeni pokhapokha ngati mukudziwa kuzigwiritsa ntchito mwanzeru. Ndipo mungakhale wodzidalira komanso makolo anu angamakulemekezeni chifukwa cha zimenezi.

Dziwani Zinthu Zofunika Kwambiri

Kodi munafunsapo makolo anu kuti akuuzeni ndalama zimene amagwiritsa ntchito pamwezi polipirira zinthu zofunika kwambiri panyumba? Mwachitsanzo, kodi mukudziwa kuti amagwiritsa ntchito ndalama zingati polipirira zinthu monga magetsi, nkhuni kapena makala ndiponso madzi? Kapena mukudziwa ndalama zimene amagulira mafuta ndi kukonzetsera galimoto, chakudya ndiponso kulipirira nyumba? Dziwani kuti inuyo mumagwiritsa nawo ntchito zinthu zimenezi, ndipo mukadzakhala panokha, udzakhala udindo wanu kulipirira zinthu zimenezi. Choncho, kufunsa makolo anu zinthu zimenezi kungakuthandizeni kukhala ndi chithunzithunzi cha kuchuluka kwa ndalama zimene muzidzagwiritsa ntchito. Apempheni kuti akusonyezeni mapepala a ndalama zimene amalipirira zinthu zofunika kwambirizi ndipo mvetserani akamakufotokozerani mmene amakonzera bajeti yawo.

Mwambi wina wa m’Baibulo umati: “Wanzeru amve, nawonjezere kuphunzira; ndi kuti wozindikira afikire kuuphungu.” (Miyambo 1:5) Mtsikana wina dzina lake Anna anafunsa malangizo kwa makolo ake. Iye anati: “Bambo anga anandiphunzitsa kupanga bajeti komanso anandiuza kufunika kogwiritsa ntchito ndalama mwanzeru.”

Nawonso mayi ake a Anna anam’phunzitsa mfundo zina zothandiza. Iye anati: “Anandiphunzitsa kuti ndisanagule chinthu, ndizifufuza kaye m’malo osiyanasiyana kuti ndiyerekezere mitengo yake.” Ndipo Anna anapitiriza kuti: “Chifukwa chochita zimenezi, mayi anga amagula zinthu zambiri ndi ndalama zochepa.” Kodi zimenezi zinam’thandiza bwanji Anna? Iye anati: “Panopa ndaphunzira kusawononga ndalama ndipo zimenezi zandithandiza kukhala ndi mtendere wam’maganizo chifukwa sindikhala ndi ngongole zosafunikira.”

Dziwani Zinthu Zowonongetsa Ndalama

N’zoona kuti kugwiritsa ntchito ndalama mwanzeru n’kovuta makamaka ngati muli panyumba pa makolo ndipo iwo amakupatsani ndalama kapena ngati mumagwira ntchito. N’chifukwa chiyani zili choncho? Mwina chingakhale chifukwa choti makolo anuwo ndi amene amalipira zinthu zambiri zofunika panyumbapo. Chifukwa cha zimenezi, mungamasangalale kukhala ndi ndalama zochuluka zoti muzigwiritsa ntchito mmene mukufunira.

Koma nthawi zina pangakhale vuto ngati anzanu amakuchititsani kuti muziwononga ndalama zambiri. Mtsikana wina wazaka 21, dzina lake Ellena anati: “Anzanga onse amaona kuti kugula zinthu ndi njira yabwino kwambiri yosangalalira. Ndipo tikapita koyenda, zimakhala ngati aliyense amaona kuti munthu sangasangalale atapanda kuwononga ndalama zambiri.”

Mwachibadwa, munthu aliyense amafuna kuchita zinthu mofanana ndi anzake. Koma mukafuna kugwiritsa ntchito ndalama pamene muli ndi anzanu, dzifunseni kuti: ‘Kodi ndalamazi ndikuzigwiritsa ntchito chifukwa choti ndili nazo kapena chifukwa choti ndiyenera kutero?’ Anthu ambiri amawononga ndalama pofuna kutchuka pagulu la anzawo. Amafuna kuti anthu ena aziwagomera chifukwa cha zinthu zimene ali nazo, osati chifukwa cha makhalidwe abwino. Mtima umenewu ungakulowetseni m’mavuto, makamaka ngati mwafika mpaka potenga ngongole. Kodi mungapewe bwanji zimenezi?

Phunzirani Kudziletsa

M’malo mongowononga ndalama zanu zonse panthawi imodzi, mungachite bwino kutsatira zimene Ellena ankachita. Iye anati: “Ndisanapite koyenda ndi anzanga, ndimawerengetseratu ndalama zimene ndikufuna kukagwiritsa ntchito ndipo ndimaonetsetsa kuti zisakhale zambiri. Ndalama zanga zonse ndimaika kubanki ndipo ndimatenga ndalama zokhazo zimene ndikufuna kugwiritsa ntchito. Ndinaonanso kuti ndi bwino kupita kogula zinthu ndi anzanga amene amagwiritsa ntchito ndalama mwanzeru, ndipo amandilimbikitsa kuyerekezera kaye mitengo ndisanagule chinthu.”

Ngati mukufuna kubwereka ndalama, mfundo zotsatirazi zingakuthandizeni kuchita zinthu mwanzeru.

● Lembani kuchuluka kwa ndalama zimene mwabwereka ndipo onetsetsani kuti zimene mwalembazo zikufanana ndi zimene walemba munthu amene wakubwerekani ndalamazo.

● Bwezani ngongoleyo mukangopeza ndalama, ndipo ngati n’kotheka, bwezani ngongole yonse nthawi imodzi.

● Samalani kuti musamabwereke ndalama mwachisawawa ndipo musamangobwereka kwa munthu wina aliyense.

● Pewani kutenga ngongole yokhala ndi chiwongoladzanja chifukwa ingakulowetseni m’mavuto.

● Musalole anthu ena kapenanso anzanu kuti abwereke ndalama m’dzina lanu.

Kodi kukhala ndi ndalama zambiri n’kumene kungakuchititseni kuti muzizigwiritsa ntchito mwanzeru? Ayi. Tiyerekezere kuti mukuyendetsa galimoto koma simukuiwongolera, kapena mukuiwongolera mutatsinzina. Kodi kuthira mafuta ambiri m’thanki ya galimotoyo n’kumene kungakuchititseni kuti mukafike bwino kumene mukupita? Mofanana ndi zimenezi, kupeza ndalama zambiri sikungakuchititseni kuti muzizigwiritsa ntchito mwanzeru.

Mwina mukuganiza kuti panopa mumatha kugwiritsa ntchito ndalama mwanzeru. Koma dzifunseni kuti: ‘Kodi ndinawononga ndalama zingati mwezi wathawu? Nanga ndinazigwiritsa ntchito pazinthu zotani?’ Ngati simungafotokoze bwinobwino, onani mfundo zotsatirazi zimene zingakuthandizeni kuti muzigwiritsa ntchito ndalama mwanzeru.

1. Muzilemba mmene mukuzigwiritsira ntchito. Lembani ndalama zimene mwalandira ndiponso tsiku lake. Lembani chilichonse chimene mwagula ndiponso mtengo wake. Kumapeto kwa mwezi, werengetsani ndalama zimene munapeza ndiponso zimene munawononga. Chitani zimenezi kwa mwezi umodzi kapena ingapo.

2. Lembani bajeti. Onani tchati imene ili patsamba 163. M’danga loyamba, lembani ndalama zonse zimene mukuyembekezera kuti mupeza m’mwezi umenewo. M’danga lachiwiri, lembani mmene mukuganizira kuti mugwiritsira ntchito ndalamazo ndipo chitani zimenezi potsatira zimene mwalemba malinga ndi mfundo yoyamba. Mkati mwa mweziwo, muzilemba m’danga lachitatu ndalama zimene mwagwiritsadi ntchito mogwirizana ndi zimene munakonza. Lembaninso ndalama zilizonse zimene mwagwiritsa ntchito mosakonzekera.

3. Sinthani. Mukamagwiritsa ntchito ndalama zambiri kuposa zimene munaganizira, ndipo zimenezo zikukuchititsani kukhala ndi ngongole, ndi bwino kusintha. Bwezani ngongole zimene muli nazo. Yesetsani kugwiritsa ntchito ndalama zanu mwanzeru.

Ndalama n’zothandiza zikamagwiritsidwa ntchito mwanzeru. Ndipo anthu ambiri amafunika kugwiritsa ntchito ndalama mwanzeru kuti moyo wawo uziyenda bwino. Koma yesetsani kuona ndalama moyenera. Mnyamata wina dzina lake Matthew anati: “Ndalama n’zofunika ndithu, koma sikuti n’zofunika kwambiri pamoyo wa munthu. Si bwino kuona ndalama ngati chinthu chofunika kwambiri kuposa anthu am’banja mwathu kapenanso Yehova.”

LEMBA LOFUNIKA

“Ndalama zitchinjiriza; koma kudziwa kupambana, chifukwa nzeru isunga moyo wa eniake.”—Mlaliki 7:12.

MFUNDO YOTHANDIZA

Lembani zinthu zimene mukufuna kugula musanapite kogula zinthuzo. Tengani ndalama zogwirizana ndi zinthu zimene mukufuna kugulazo basi, ndipo onetsetsani kuti zimene mwagula ndi zokhazo zomwe munalemba.

KODI MUKUDZIWA . . . ?

Mutatenga ngongole ya MK8,000.00 yoti muzibweza pang’onopang’ono pachiwongoladzanja cha MK18.50 pa MK100.00 iliyonse, pangadutse zaka 11 kuti mumalize kubweza ngongoleyo ndipo ndalama za chiwongoladzanjacho zingakwane MK7,736.00.

ZOTI NDICHITE

Ndingapewe kuwononga ndalama mwakuchita izi: ․․․․․

Ndisanatenge ngongole, ndingachite izi: ․․․․․

Zimene ndikufuna kufunsa makolo anga pankhaniyi ndi izi: ․․․․․

MUKUGANIZA BWANJI?

● N’chifukwa chiyani muyenera kuphunzira kugwiritsa ntchito ndalama mwanzeru pamene mukukhala ndi makolo?

● N’chifukwa chiyani nthawi zina zingakuvuteni kugwiritsa ntchito ndalama mwanzeru?

● Kodi ndalama zanu mungathandizire anthu ena m’njira ziti?

[Chithunzi patsamba 162]

“Sindiwononga ndalama zambiri ndikamatsatira bajeti. Sindigula zinthu zimene sindikuzifuna.”—Anatero Leah

[Chithunzi patsamba 158]

Ndalama Zimasonyeza Makhalidwe a Munthu

Kodi ndalama zanu mumazigwiritsa ntchito motani? Ngati nthawi zambiri mumathandiza ena ndi ndalama, zimenezo zimasonyeza kuti mumawakondadi anthuwo, m’malo momangonena kuti mumawakonda. (Yakobe 2:14-17) Nthawi zonse mukamapereka ndalama zanu kuti zithandize pa kulambira koona, ndiye kuti ‘mukulemekeza Yehova ndi chuma chanu.’ (Miyambo 3:9) Koma ngati mumangogwiritsa ntchito ndalama pa zofuna zanu zokha, kodi zimenezi zimasonyeza kuti ndinu munthu wotani?

[Tchati/​Zithunzi patsamba 163]

Zimene Munalemba

Bajeti ya Mwezi Uliwonse Koperani izi:

CHAKUDYA

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ZOVALA

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MAFONI

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Ndalama Zimene Ndingapeze ZOSANGALATSA

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ZONDIPATSA MAKOLO ZOPEREKA

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MALIPIRO ANGA ZOSUNGA

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ZOCHOKERA KWINA ZINTHU ZINA

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↓ ↓ ↓

Zonse Zonse Zonse

K․․․․․ K․․․․․ K․․․․․

[Chithunzi patsamba 160]

Kugwiritsa ntchito ndalama mwachisawawa kuli ngati kuyendetsa galimoto mutatsinzina