“Posachedwapa ndinalowa mu shopu kuti ndikangosilira zinthu. Koma potuluka m’shopumo ndinali nditagula chinthu chodula kwambiri chomwe ndinalibe maganizo oti ndigule.”—Colin.

 Colin anavomereza kuti ali ndi vuto logula zinthu mwachisawawa. Kodi nanunso muli ndi vuto limeneli? Ngati ndi choncho, nkhaniyi ikuthandizani.

•  N’chifukwa chiyani simuyenera kumangowononga ndalama?

•  Mmene mungachitire zimenezi

•  Zimene achinyamata anzanu amanena

 Zimene anthu amanena: Kuganizira mmene umagwiritsira ntchito ndalama kumalanda munthu ufulu.

 Zoona zake: Kupewa kumangogula zinthu mwachisawawa kungachititse kuti mukhale ndi ufulu wambiri. Buku lina linanena kuti: “Mukadziwa bwino mmene mungasamalire ndalama, m’pamene mungakhale ndi ndalama zambiri zogulira zimene mukufuna, panopa komanso m’tsogolo.”​—I’m Broke! The Money Handbook.

 Taganizirani izi: Ngati mutapewa kugula zinthu mwachisawawa . . .

•   Mudzakhala ndi ndalama zokwanira mukadzafuna kuti muchitire chinachake. Mtsikana wina dzina lake Inez anati: “Ndikufuna nditadzapita ku South America nthawi ina yake. Ndikamasunga ndalama ndimakhala ndikuganizira za ulendo umenewu.”

•   Mudzakhala ndi ngongole yochepa kapena simudzakhala nayo n’komwe. Baibulo limati: “Wobwereka amakhala kapolo wa wobwereketsayo.” (Miyambo 22:7) Mtsikana wina dzina lake Anna anaona kuti mfundoyi ndi yoona ndipo anati: “Ngongole imakulepheretsa kuchita zinthu zina. Ukakhala wopanda ngongole, umangoganizira mmene ungakwaniritsire zolinga zomwe uli nazo.”

•   Mumasonyeza kuti mukuchita zinthu ngati munthu wamkulu. Anthu amene amapewa kugwiritsa ntchito ndalama mwachisawawa, amakhala akukonzekera mmene azidzachitira zinthu akadzakula. Mtsikana wina wa zaka 20 dzina lake Jean anati: “Ndimayesetsa kugwiritsa ntchito mwanzeru ndalama panopa kuti ndidzathenso kuchita zimenezi ndikadzakula.”

 Mfundo yofunika kwambiri: Buku lina linanena kuti: “Kugwiritsa ntchito ndalama mwanzeru pamene mudakali ndi makolo anu, kungadzakuthandizeni kwambiri mukadzaima panokha. Kuchita zimenezi ndi luso lomwe lidzakuthandizani kwa moyo wanu wonse.”​—The Complete Guide to Personal Finance: For Teenagers and College Students.

 Dziwani zimene zimakuwonongerani ndalama. Ngati nthawi zonse mumapezeka kuti mulibe ndalama, choyamba fufuzani chimene chimakutherani ndalama. Kugula zinthu pa intaneti ndi kumene kumawononga ndalama za anthu ena. Koma kwa ena, vuto limakhala loti nthawi zonse amagula tizinthu ting’onoting’ono, ndipo mwezi ukamatha sakhala ndi ndalama iliyonse.

 “Ndalama zimatha mosadziwika bwino ndi tinthu ting’onoting’ono. Zingakhale zinthu monga kugula timphatso, kugula tizakumwa komanso kukagula zinthu zomwe zatchipa m’mashopu ena. Kenako mwezi ukamatha umangozindikira kuti ulibe ndalama iliyonse!”​—Hailey.

 Pangani bajeti. Baibulo limati: “Zolinga za munthu wakhama zimam’pindulira.” (Miyambo 21:5) Mukakhala ndi bajeti, zingakuthandizeni kuti musamagwiritse ntchito ndalama zoposa zimene mumapeza.

 “Ngati mumagwiritsa ntchito ndalama zambiri kuposa zimene mumapeza, fufuzani zinthu zomwe zimakuwonongerani ndalama ndipo musamagule zinthu zosafunika. Chepetsani zinthu zomwe mumagula mpaka mutayamba kugwiritsa ntchito ndalama zosapitirira zomwe mumapeza.”—Danielle.

 Muzitsatira bajeti yanu. Pali njira zambiri zimene mungagwiritse ntchito kuti mudziwe mmene mukugwiritsira ntchito ndalama zanu komanso kuti muzipewa kugula zinthu mwachisawawa. Achinyamata ena aona kuti kuchita zinthu zotsatirazi n’kothandiza:

•  “Ndikakhala ndi ndalama, nthawi zambiri ndimakaziikiratu ku banki chifukwa ndimadziwa kuti zikakhala ku banki, sindingazigwiritse ntchito mwachisawawa.”—David.

•  “Ndikamapita ku shopu, sinditenga ndalama zambiri. Kuchita zimenezi kumandithandiza kuti ndisamagule zinthu zambiri kuposa zimene ndikufuna.”—Ellen.

•  “Sindimapupuluma ndikafuna kugula china chake. Zimenezi zimandithandiza kuganizira bwinobwino ngati ndikufunikiradi chinthucho kapena ayi.”—Jesiah.

•  “Sikuti ndimapita kokacheza kapena ku maphwando onse. Palibe vuto kukana ngati ndikuona kuti sindikwanitsa kupita.”—Jennifer.

 Mfundo yofunika kwambiri: Kugwiritsa ntchito ndalama mwanzeru ndi udindo waukulu. Zimenezi ndi zimene Colin yemwe tamutchula koyambirira uja wayamba kuzindikira. Iye anati: “Sindikuyenera kumagwiritsa ntchito ndalama mwachisawawa ngati ndikufuna kudzakhala mutu wa banja tsiku lina. Ngati ndingalephere kugwiritsa ntchito ndalama mwanzeru pamene ndili ndekha, pakhoza kudzakhala mavuto ndikadzakwatira.”