Kusunga Ndalama N’kofunika

ANTHU ambiri amasangalala kugula zinthu monga zovala ndi zipangizo zamagetsi. Iwo amaona kuti kusunga ndalama n’kovuta.

Kaya mwakhudzidwa ndi vuto la zachuma lomwe lili padziko lonse kapena ayi, mungachite bwino kuganizira mmene mungasungire ndalama komanso kuzigwiritsa ntchito mwanzeru. Taonani malangizo a m’Baibulo otsatirawa amene akhala akuthandiza anthu mamiliyoni ambiri kuthana ndi mavuto a zachuma.

Mfundo Zitatu za M’Baibulo Zothandiza Kwambiri

M’fanizo lake lina, Yesu wa ku Nazareti anatchula mfundo yofunika kwambiri yokhudza kusunga ndalama. M’fanizoli mbuye anauza kapolo wake kuti: “Ukanasungitsa ndalama zanga zasilivazi kwa osunga ndalama, ndipo ine pobwera ndikanalandira ndalama zangazo limodzi ndi chiwongoladzanja chake.” (Mateyu 25:27) Zimene Yesu ananenazi n’zothandiza kwambiri masiku ano. Tiyeni tione chifukwa chake.

M’mayiko ena munthu akasungitsa ndalama kubanki, pomatha zaka 10 chiwongoladzanja chake chimaposa ndalama zimene zinaikidwazo. Ngakhale kuti si mabanki onse masiku ano amene amapereka ndalama zambiri za chiwongoladzanja, ndi nzeru kusunga ndalama kubanki zokuthandizani pakachitika zinthu zamwadzidzidzi.

Baibulo limasonyeza kufunika kochita zimenezi ponena kuti: “Nzeru zimateteza monga mmene ndalama zimatetezera.” (Mlaliki 7:12) Komatu n’zovuta kuti ndalama zikutetezeni ngati simunasunge ndalama iliyonse. Baibulo limatilimbikitsa kuti: “Aliyense wa inu aziika kenakake pambali . . . malinga ndi mmene zinthu zikuyendera pa moyo wake.”—1 Akorinto 16:2.

Mmene Mungapewere Kuwononga Ndalama

Choyamba, musanagule chinthu chinachake cha ndalama zambiri, muziona kaye ngati mukufunikiradi chinthucho.

Chachiwiri, ngati mukufuna chinthu chinachake, muzifufuza chinthucho ku mashopu amene atsitsa mtengo kapena kumene amagulitsa zinthu zomwe zinagwiritsidwapo ntchito. Mwachitsanzo, Espen ndi mkazi wake Janne, omwe amakhala ku Norway, ankafuna kugula chikuku cha mwana wawo dzina lake Daniel. Iwo anagula chikuku pamtengo wotsika choti chinagwiritsidwapo kale ntchito koma chabwino kwambiri. Espen ananena kuti: “Daniel akadzakula, chikuku chimenechi tidzachigulitsa pa mtengo wabwino.” Koma iye anachenjezanso kuti: “Kufufuza zinthu zabwino zotsika mtengo kukhoza kukuwonongerani nthawi.” *

 Chachitatu, musamagule zinthu mopupuluma. Ngati mukuona kuti mukufunikiradi kugula chinthu chinachake, muzifufuza kumene mungachipeze motchipirapo, mwina ku mashopu amene amagulitsa zinthu motchipa kapena kumene amagulitsa zinthu zogwiritsidwa ntchito kale. Komanso mungapulumutse ndalama popewa kugula zinthu zimene zimadula chifukwa cha dzina chabe. M’malo mogula zovala za ana zomwe zili m’fasho m’masitolo odula, mungagule zovalazo pakaunjika.

Mayi amene wangobereka kumene angagwiritse ntchito matewera omwe angawachape akada m’malo mwa matewera amene amangogwiritsidwa ntchito kamodzi n’kuwataya. Buku lina lolembedwa ndi Denise Chambers linati: “Matewera ongogwiritsa ntchito kamodzi n’kutaya angakuwonongereni ndalama zokwana madola 2,000 pa zaka ziwiri, pamene matewera ena angakuwonongereni ndalama zokwana madola 300 kapena 500 pa zaka ziwiri zomwezi.” Iye ananenanso kuti: “Matewera ochapa a masiku ano ndi abwino kwambiri komanso sawononga chilengedwe.”

Chachinayi, muziphika nokha zakudya m’malo mogula zakudya zophikaphika. Ngati muli ndi ana amene ali pasukulu, mungachite bwino kuwaphunzitsa kuti azitenga chakudya popita kusukulu m’malo mowapatsa ndalama kuti azikagula okha zakudya zodula. Ndipo m’malo mogula zakumwa zodula kwambiri, muzingomwa madzi. Madzi amathandiza munthu kukhala ndi thanzi labwino komanso sawonongetsa ndalama.

M’mbuyomu anthu ambiri ankakhala ndi dimba. Mungachite bwino kukhala ndi dimba n’kumalimapo zakudya zina ndi zina. Anthu ambiri ali ndi malo amene akhoza kulimapo ndiwo zamasamba. Ngakhale mutakhala ndi malo ochepa, yesani kuchita zimenezi ndipo mudzaona kuti zidzakupindulirani kwambiri.

 Ganiziraninso mfundo iyi: Ngati muli ndi foni ya m’manja, mungachite bwino kumaigwiritsa ntchito pa zinthu zofunika zokhazokha komanso muziguliratu mayunitsi okwanira mwezi wonse ndipo akatha, musagulenso ena. Ngati mumaumitsa zovala zanu ndi makina oumitsira zovala, mungachite bwino nthawi zina kumangoyanika zovalazo pachingwe kuti ziume ndi dzuwa. Mungachitenso bwino kuchepetsa kugwiritsa ntchito zipangizo zamagetsi kuti bilu ya magetsi isamakhale yaikulu. Ndi bwinonso kuuza ena kuti asamangosiya magetsi ali oyatsa.

Ndibwinonso kutsegula akaunti yakubanki. Hilton, yemwe amagwira ntchito yodzipereka ku South Africa, ananena mfundo ina yothandiza. Iye anati: “Sibwino kudalira chinthu chimodzi. Nthawi zina mabanki ndi mabungwe ena azachuma amagwiritsa mwala. Ifeyo zinatichitikirapo.” Choncho, ndi nzeru kusungitsa ndalama zanu kubanki yodalirika imene ngati zinthu zitasokonekera, boma likhoza kukubwezerani ndalama zanu.

Zimene Mungachite Kuti Musamakhale ndi Ngongole

Choyamba, mukamagula zinthu pangongole ndipo ngongoleyo ndi yoti mubweza kwa miyezi ingapo, muziyesetsa kupereka ndalama zochulukirapo kuposa zimene mukufunika kupereka mwezi uliwonse.

Chachiwiri, muziyamba kumaliza ngongole imene ngati mutachedwa kupereka mungafunike kulipira chiwongoladzanja chochuluka.

Chachitatu, pewani chizolowezi chomangogula zinthu. Zimenezi zingakuthandizeni kwambiri.

Kodi munayamba mwagulapo chinthu chifukwa chongoona chikutsatsidwa? Bambo wina wa ku Sweden, dzina lake Danny, analowapo m’mavuto a ndalama chifukwa cha zimenezi. Poyamba anali ndi kampani ndipo zinthu zinkamuyendera. Koma chifukwa cha ngongole anagulitsa kampaniyo kuti abweze ngongoleyo. Iye anaphunzirapo kanthu pa zimene zinamuchitikirazo ndipo panopa sagulanso zinthu mwachisawawa. Bamboyo anapereka malangizo otsatirawa: “Muzikhutira ndi zimene muli nazo m’malo mofuna kukhala ndi chilichonse.”

Zinthu Zimene Mungatenge Pangongole

Ndi anthu ochepa amene angakwanitse kugula nyumba kamodzin’kamodzi. Choncho anthu ambiri kuti akwanitse kuchita zimenezi, amatenga ngongole kubanki. Ndalama zimene amapereka pakutha pa mwezi uliwonse ku banki, zimakhala ngati zolipira lendi. Koma akamaliza kulipira ngongole yonse, nyumbayo imakhala yawo.

Ambirinso amatenga ngongole kuti agule galimoto yosawononga mafuta ambiri. Akatero amayesetsa kubweza ngongoleyo mwamsanga ndipo akamaliza amakhala ngati asungira ndalama. * Ena amaona kuti angachite bwino kugula galimoto imene sinayenderedwe kwa nthawi yaitali. Ena m’malo mogula galimoto, amakwera minibasi kapena amayenda pa njinga kuti asamawononge ndalama zambiri.

Kaya zinthu zili bwanji pa moyo wanu, mfundo yofunika ndi yakuti muzisamala ndalama. Pewani chizolowezi chogula chilichonse chomwe mwaona. Munthu akazolowera kuwononga ndalama mwachisawawa amavutika kusiya komanso zimenezi zingamuike m’mavuto a zachuma. Choncho muziyesetsa kusunga ndalama kuti muzikhala wosangalala.

Chinthu chinanso chimene chingakuthandizeni kukhala wosangalala ndi kudziwa mmene mungagwiritsire ntchito ndalama zanu. M’nkhani yotsatirayi tikambirana zimenezi.

[Mawu a M’munsi]

[Zithunzi patsamba 5]

NJIRA ZOSUNGIRA NDALAMA

Muzifufuza zinthu zotchipirako

Muzigula zovala zapakaunjika

Muziphunzitsa ana anu kukonza chakudya chotenga kusukulu

[Chithunzi patsamba 6]

Khalani ndi dimba m’malo mogula ndiwo zamasamba. Komanso muziyanika zovala pachingwe m’malo moumitsa ndi makina