So Wosɛe Sika Pii Sen Sɛnea Wunya?

Efi Canada “Nyan!” kyerɛwfo hɔ

“Twitwa w’atade sɛnea wo ntoma kɛse te.”​—Saa na Engiresifo tete bɛ bi ka

MIKE ka sɛ, “Sɛ sika ho nhyehyɛe nni hɔ a anka asetra bɛyɛ den.” Claude kyerɛ mu sɛ, “Sɛ ɛnyɛ sika ho ntotoe ho mfaso a, anka ɛrenkyɛ onipa ne adwuma biara behu sɛ ne nhyehyɛe ayɛ basaa.”

Ebia wobɛka sɛ, ‘Mempɛ sɛ sika ho nhyehyɛe besiw nea mepɛ sɛ meyɛ kwan. Mempɛ asɛm a ɛne “sika ho nhyehyɛe” no mpo!’ Eye, frɛ no sika ho ntotoe sɛnea Claude frɛ no no.

Anaa frɛ no sika a wɔhwɛ so yiye sɛnea afoforo frɛ no no. Sɛnea wofrɛ no biara no, sɛ wote sɛ nnipa pii no ara a, ɛsɛ sɛ “wutwitwa w’atade sɛnea wo ntama no kɛse te,” ɛno kyerɛ sɛ nsɛe sika nsen nea wowɔ no. Wuhia sika ho nhyehyɛe.

Ɛka a ankorankoro bɔ renya nkɔanim. Nneɛma a ne bo reyɛ den, mfɛntom a ɛdɔɔso a wogye ne nsɛm afoforo ma ɛyɛ den sɛ wubenya sika a ɛdɔɔso na wode atua nneɛma a wotɔ nyinaa ho ka. Nokwarem, wɔ aman a wonyaa nkɔso titiriw biara mu no, sika ho nhyehyɛe a wɔbɛyɛ no dapɛn anaa ɔsram biara no yɛ nea wontumi nyɛ. Wɔ nnipa ɔpepem pii fam no, nea ɛhaw wɔn ne sɛ wobenya nea wobedi da koro biara.

Sɛnea wo nsɛm tebea te biara no, sɛ́ wubenya nea wode bɛkata wo ho, dabere, afiri a ɛma ɔdan mu yɛ hyew, sika a wode bɛhwɛ wo ho akɔ sukuu ne nea wode begye w’ani no hwehwɛ sɛ woyɛ sika a wowɔ no ho nhyehyɛe wɔ ɔkwan bi so a ɛbɛma woatumi de adi emu biara ho dwuma. Eyi kyerɛ bo a sika ho nhyehyɛe som.

Ebia wubebisa sɛ, ‘Dɛn nti na afei de mihia sika ho nhyehyɛe bere a mayɛ m’ade pɛpɛɛpɛ bere a na minni bi no? Efisɛ tumi a wo kurom sika wɔ no so retew bere nyinaa. Dɛn nti na eyi te saa?

Tebea a wiase no sikasɛm wom no nkyerɛ sɛ biribi pa bi wɔ hɔ ma yɛn sɛ ɔmanfo a wɔba fam no. Sikasɛm a ayɛ basaa no resɛe aman a ɛwɔ Afrika, Amerika Mfinimfini ne Amerika Kesee Fam ne Apuei Fam Europa sikasɛm nhyehyɛe, esiane ɛka dɔla ɔpepehaha pii nti.

Ɛnyɛ sɛ ɛka a aba wɔ wiase no mu no asiw nkɔso a aman a wogye bosea no renya nkutoo ano na mmom asiw aman a wɔma bosea no nso de ano. Esiane sɛ sika a ɛwɔ wiase no mu nyinaa aka ɛka mu nti, tumi a yɛn kurom sika wɔ no so retew. Baabi a yɛte no mfa ho, yɛte nea wɔka no: “Ɛsɛ sɛ yesua sɛ yɛde yɛn akatua bɛtɔ nea ehia yɛn, na ɛnyɛ nea yenya a anka yɛpɛ.’ W’ankasa sika ho nhyehyɛe a wobɛyɛ no betumi aboa wo ma woayɛ eyi.

Mike ne Claude a wɔyɛ Canada dwetiri ho afotufo no ada wɔn ho adi sɛ wɔyɛ wɔn a wotumi yɛ sika ho nhyehyɛe pa wɔ mfe pii a atwam no mu. Wɔyɛ nnipa a wotumi de ahotoso kyerɛ faako a obi sika kɔ.

Sɛnea Wobɛyɛ Wo Sika Ho Nhyehyɛe

‘So sika ho nhyehyɛe bɛma m’anya sika pii?’ ebia wopɛ sɛ wuhu. Claude bua sɛ “Dabi, nanso ɛbɛboa ma woahu nneɛma a wosɛe sika pii wɔ ho, na ɛno bɛboa wo ma woatumi ahwɛ sika no so na woatumi de atɔ nneɛma a wuhia ankasa.

Ebinom ka sɛ, ‘Nanso sɛ minya akatua kakraa bi ka ho a, anka ɛbɛso me di a sika ho nhyehyɛe ho renhia.’ Ɛno yɛ nea wo yam a anka wo nsa aka. Mike kyerɛ sɛ, “Ɛsɛ sɛ nnwuma akɛse a ɛwɔ wiase no mu a wonya sika dɔla ɔpepem pii no yɛ wɔn sika ho nhyehyɛe.” Nea ɛka eyi ho no, nhwehwɛmu bi a wɔyɛe akyerɛ sɛ, sika a wonya mfa ho, nnipa a wogye akatua ahorow ahorow te nka saa ara​—wohia kakraa bi aka ho na aso wɔn di! Dɛn ntia? Efisɛ nnipa pii sɛe sika sen sɛnea wɔwɔ.

Hwɛ wɔ saa kwan yi so: So wode afiri betu kwan tenteenten a worenyɛ ho nhyehyɛe? So wubefi ase apam atade bere a wunnim sɛ ebia wowɔ ntama a ɛso a ebetumi apam? Sɛ wubetumi awie nea woafi ase no a, ɛsɛ sɛ wudi kan susuw ho na woyɛ ho nhyehyɛe. Sɛnea Yesu Kristo kae bere tenten bi a atwam no: “Sɛ mo mu bi pɛ sɛ ɔto abantenten a, so ɔrenni kan ntra ase mmu ho akontaa nhwɛ sɛ obetumi awie anaa?”​—Luka 14:28, The New Testament in Modern English, J. B. Philips.

Tra Ase na Bu Ho Akontaa

Ɛnsɛ sɛ tra a wobɛtra ase abu sika ho akontaa no yɛ biribi a ɛyɛ den. Fa adwene pa yɛ te sɛnea Mike yɛ no: “Sika a wubedi ho nhyehyɛe.” Claude ka ho asɛm sɛ “sika a wowɔ ho nhyehyɛe.” Sika ho nhyehyɛe te sɛ w’asase mfonini a wohwɛ so kyekyɛ sika a woanya. Ɛno ma wuhu (1) faako a wo sika a wobrɛ ansa na woanya no kɔ mprempren, (2) faako a ɛho nhia sɛ ɛkɔ, ne (3) faako a ebia ɛsɛ sɛ ebi kɔ. Wubehu sɛ nyansa mu a a wufi hwɛ wo sika so no nsiw anigye a ɛwɔ asetra mu no kwan ankasa. Mmom no, sɛnea Mike ka no: “Abusua a wonni sikasɛm mu ɔhaw ahorow no betumi anya anigye ne akomatɔyam.” Enti mmu wo ho sɛ woyɛ pɛɛpɛe​—bu wo ho sɛ obi a ɔhwɛ abusua no sika so.

Bere a woatra ase no, wufi ase fi he? Nea edi kan no, bu wo sika a wunya ɔsram biara no ho akontaa. (Pii ahu sɛ yɛ a wɔyɛ no ɔsram biara no ma akontaabu no yɛ mmerɛw.) Sɛ wobɛyɛ eyi a, ɛsɛ sɛ woka wɔn a wɔwɔ wo abusua no mu a wogye akatua no sika nyinaa bom: akatua, mfɛntom ne nneɛma afoforo biara a ɛde sika brɛ wo no. Tew sika biara a wode tua tow ne nneɛma afoforo biara fi mu. Sɛ sika a wunya no bi yɛ nea ɛba dapɛn biara a, yɛ no ahorow anan. Ɛno ma wuhu sika dodow a wunya ɔsram biara. Afei ka ne nyinaa bom. Ɛno ne nea wubetumi adi ɔsram biara​—biribiara nka ho!

Nea edi hɔ no, ka ɛka a woda so tua no nyinaa bom: ɔdan ka anaasɛ ɔdan a woatɔ ho ka, kanea ne afiri a ɛma wo dan mu yɛ hyew ho ka, telefon ne nea ɛkeka ho. Esiane sɛ ɛka yi mu fã kɛse no ara ba ɔsram biara nti, wubetumi ahu nea enti a ɛho hia sɛ wubebu wo sika a wunya no ho akontaa ɔsram biara no. Kae na fa nneɛma a ɛtete sɛ aduan, nea wonom, atesɛm nkrataa ne nneɛma afoforo a ebia wode sika ankasa tua ka dapɛn biara no ka ho. Afei, wode ne nyinaa aka ho? Na sɛ wokyekyɛ mu pɛpɛɛpɛ a, sika a wutua wɔ nea wode kata wo ho ho no nso ɛ? wɔ akwantu ne akwamma ho no nso ɛ? wɔ anigyede ho no nso ɛ? nea wode siesie nneɛma a asɛe wɔ fie hɔ no nso ɛ? nneɛma a wode kɔ faako a wosi nneɛma no nso ɛ? Mpɛn pii no eyinom yɛ nneɛma a yebu yɛn ani gu so.

Ɛka ahorow bi wɔ hɔ a afe ɛba pɛnkoro, ebi te sɛ tow ahorow, adansedi krataa a ɛkyerɛ sɛ w’afiri ye ne ahobammɔ ho ka (insurance) . Fa 12 kyɛ eyinom mu na woanya nea wutua ɔsram biara. Nea yɛde abesi yi, ɛka ahe na wobɔ ɔsram biara?

Bo a Ɛsom Ma Wo

Afei woadu faako a wubetumi de sika a wunya ɔsram biara no atoto nea wode totɔ nneɛma ɔsram biara no ho. Dɛn na wuhu? Sɛ wowɔ nea ɛdɔɔso a wode betua wo ka ahorow no a, ɛno ye. Nanso wɔ ha no, nnyae sika ho nhyehyɛe no yɛ! Efisɛ ade biako ne sɛ, ɛnyɛ sɛ nyansa wɔ sika a wubeyi ato hɔ a wubehia de atua wo ka ahorow ɔsram biara no mu nko, na mmom nyansa wɔ bi a wode besie na wode atua ka ahorow a wonhwɛ kwan a ɛbɛba wɔ afe no mu no mu nso. Nneɛma betumi ayɛ dedaw anaa ɛbɛsɛe. Ɛsɛ sɛ wohwɛ biribi a ɛte saa kwan.

‘EYE. Nanso dɛn na ɛbɛba sɛ mihu sɛ me sika a minya no ntumi ntua me ka ahorow a mebɔ no a?’ ebia saa na wubebisa. Kae, atirimpɔw nti a nea ɔtow abantenten no buu ho akontaa ne sɛ ‘obehu sɛ obetumi awie anaa.’ Enti bo a sika ho nhyehyɛe som ne sɛ ɛbɛboa ma woahu nea wubetumi atɔ. Sua sɛnea wobɛpene nneɛma a ɛho hia wo no so. Bible no boa yɛn ma yesusuw ho wɔ saa kwan yi so denam nea ɛka yi so: “Dɛn na yɛde baa wiase? Yɛamfa hwee amma! Dɛn na yebetumi de afi wiase yi mu akɔ? Yentumi mfa hwee nkɔ! Ɛnde sɛ yɛwɔ aduan ne nea yɛde bɛkata yɛn ho a, ɛsɛ sɛ ɛno dɔɔ yɛn so.” (1 Timoteo 6:7, 8, Today’s English Version) Nokwarem no, yɛrentumi nyi nneɛma te sɛ aduan ne nea yɛde bɛkata yɛn ho mfi yɛn sika ho nhyehyɛe no mu, nanso yebetumi atew ka a yɛbɔ wɔ anigyede, agumadi ne afɛfɛde ahorow a ɛho nhia ho no so.

Nanso bu ka afoforo a wobɔ no ho akontaa. Sika ahe na wosɛe wɔ nsa ho? Sɛnea Canadian Book of Money da no adi no,”ebia ɛka a wɔbɔ wɔ nsa a wɔnom anwummere biara no ho bedu $500 afe biara.” Afoforo hwɛ ma wɔn sika sa wɔ wusiw ara kwa a ɛyɛ sigaretnom ho. Onipa biako a ɔnom sigaret nnaka abien da biara da betumi asɛe $400 anaa nea ɛsen saa afe biara wɔ sigaret ho. Ebinom de ayɛ wɔn su sɛ wobedidi wɔ adidibea pɛnkoro dapɛn biara, nanso ɛno betumi ama mmusua binom asɛe sika a ɛkɔ anim yiye wɔ dapɛn no akatua mu. Wubetumi de sika kakraa bi atɔ saa nam koro no ara anaasɛ nsu mu nam a ɛyɛ dɛ koro no ara adi wɔ fie​—wubetumi de sika a wobɛsɛe no wɔ petrol ho, nea wode bɛkyɛ ne nea wubetua wɔ faako a wode wo kar besi ho no asie. So wubetumi asɛe $2,500 foforo anaa nea ɛboro saa afe? Ɛno ne nea wubetumi de asie wɔ eyinom ho. Ɛda adi sɛ, akwan afoforo wɔ hɔ a wubetumi afa so atew ka ahorow a wobɔ no so.

Afei, dɛn na woyɛ wɔ akontaabu ahorow a woaboa ano no ho? Akwan ahorow a wɔfa so hwɛ sika so wɔ hɔ a ɛho wɔ mfaso. Nea wode di dwuma no begyina wo nsɛm tebea horow so ne nea wunim sɛ eye so.

Akwan Horow Bi a Eye

Sika nhoma kotoku kwan no: Wɔ saa ɔkwan tiawa yi so no, wobɛkyerɛw nea ɛsɛ sɛ wode wo sika no tɔ no agu nhoma nkotoku no akyi: “Ɔdan ka,” “Aduan,” “Petrol,” “Afiri a ɛma ɔdan mu yɛ hyew,” ne nea ɛkeka ho, Wode sika a wubehia de atua ɛka biara no bɛhyɛ ne nhoma kotoku mu. Enti sɛ ɛyɛ nea wunya sika bi dapɛn biara nanso ɛka a ɛsɛ sɛ wutua no yɛ ɔsram biara anaa afe biara mpo a, wode sika a wubehia ansa na saa dapɛn no adu no bɛhyem, sɛnea ɛbɛyɛ a wobenya sika a wuhia no bere a ɛsɛ sɛ wutua ɛka no. Enti wɔ July mu no, wode sika bi a wubehia de atua afiri a ɛma dan mu yɛ hyew no ho ka wɔ awɔwbere a ɛreba no mu bɛto nkyɛn. Ɛno ma ka a wotua ho dadwen no pii fi bɔ. Na kae eyi: Ko tia sɔhwɛ a ɛbɛma “woakɔfɛm” sika afi nhoma kotoku foforo mu no!

Krataa a wɔde yi sika wɔ sikakorabea kwan no: Nea ɛhia titiriw no, eyi te sɛ nhoma kotoku kwan no ara pɛ, a nsonsonoe a ɛwɔ mu ne sɛ, wode w’abusua sika a munya no to sikakorabea ma sikakorabea no ba bɛyɛ sɛ “nhoma nkotoku,” na krataa a wɔde yi sika wɔ sikakorabea a wokyerɛw bere a ɛsɛ sɛ wutua ka no te sɛ sika a wuyi fi nhoma nkotoku no mu no ara pɛ. Mfaso a ɛka krataa a wɔde yi sika fi sikakorabea no ho ne: (a) ebia wubenya mfɛntom wɔ wo sika no ho bere a ɛda sikakorabea no, na ebia ɛbɛboa nso ma sika no atumi atɔ nneɛma bere a ne bo kɔ soro no, (b) eye sen sɛ wode sika a ɛdɔɔso pii besie wɔ fie, ne (d) sɔhwɛ a ɛwɔ ho sɛ “wobɛfɛm” bi afi baabi foforo sen nea wode betua ɛka a wopɛ sɛ wutua no ano renyɛ den.

Dɛn nti na womma sika ho nhyehyɛe a wobɛyɛ no nyɛ abusua no nyinaa asɛm? Bere a wotra ase bu ho akontaa no, ɛbɛyɛ ntetee ama mmofra no ma wɔasua pii afa bo a sika som no ho, na wobehu sika a wosɛe de tete wɔn no. Ɛno bɛboa wɔn ma wɔahu hia a ɛho hia sɛ wodunnum akanea, hwɛ nea wɔde kata wɔn ho so yiye na wɔansɛe aduan no​—nneɛma a ɛho abehia titiriw wɔ afie pii mu wɔ saa bere yi mu no.

Nea ɛsen eyinom nyinaa no, mma w’abasam ntu, sɛ wo sika bo nhyehyɛe a edi kan no anyɛ yiye anaasɛ ankyɛ na ne bere twaam a. Sika ho nhyehyɛe, te sɛ bere nhyehyɛe biara no, hia sɛ wɔyɛ no foforo bere a nsɛm tebea horow sakra no. Yɛ nsakrae a ɛho hia no. Osuahu bɛma nneɛma anya nkɔso.

Sɛnea wɔaka emu nsɛntitiriw no abom wɔ nhoma, Money Management no mu no: “Wo sika a wobɛma asõ wo di no nnyina sika pii a wubenya anaasɛ sika kakraa bi a wobɛsɛe no so; ne tiaa ne sɛ wubedi kan de wo sika a wunya no atoto nea wudi no ho sɛnea ɛbɛyɛ a asetra betumi ayɛ anigye pii.” Yiw ɛyɛ ‘twitwa w’atade sɛnea wo ntama kɛse te’ ho asɛm.

[Kratafa 13 mfoni]

“Twitwa w’atade sɛnea wo ntama kɛse te.” Ɛne sɛ, ntama no kɛse a wowɔ no na ɛbɛkyerɛ atade no kɛse ne ne yɛbea. Enti nni wo sika a wowɔ no mma ɛmmoro so