kee tangi karke tuhanu ghatt paisya vich guzara karna pai reha hai? shayad mahamari, kudarti aafta, rajneetik garrbarr ja yudh karke achanak aarthik mandi chha jave. achanak aamdan band hon karke tusi bahut pareshan ho sakde ho. is halaat vich bible di vadiya salah mann ke tusi ghatt paisya vich vi guzara tor sakoge.

 bible da asool: “mai thode vich vi atey bahute vich vi guzara karna jaanda ha.”—filippiya 4:12.

 bhave tuhade kol pehla nalo ghatt paise hon, par tusi thode vich guzara torna sikh sakde ho. jinni jaldi tusi mann loge ki tuhade halaat badal gaye han, unni jaldi tusi guzara torna sikh jaoge. fir tusi parivar vajo vadiya tareeke naal halaata da samna kar sakoge.

 pata karo ki sarkar ja kise samaaj-seva sangathan ne aarthik madad karan layi koi prabandh keeta hai. chheti hi ihna prabandha da faida lo kyoki ajehiya sevava bas thode same layi hundiya han.

 bible da asool: “je salah na mile, taa yojnaava sire nahi charhdiya, par je salah den vale bahute hon, taa kamyabi mildi hai.”—kahauta 15:22.

 apne saathi te bachya naal gall karo ki ghatt paisya vich guzara kive torya ja sakda hai. khull ke gall karan naal parivar de sare member samajh sakange ki tuhadi aarthik haalat kee hai atey sare jane ik-dooje da saath kive de sakde han. je parivar da har member soche ki oh thode vich guzara kive kar sakda hai, taa koi vi fazool kharch nahi karega atey tuhade kol jo paise han, oh ziada der tak chall sakange.

 bible da asool: ‘pehla baith ke poora hisab lao.’—luka 14:28.

 je tuhanu ghatt paisya vich guzara karna pai reha hai, taa dhyaan dyo ki tusi paisa kithe kharch kar rahe ho. baith ke hisab lao ki hun to tuhanu har mahine kinne paise milange. fir likho ki tuhade har mahine de kehrre kharche han atey tuhanu kehrriya cheeza khareedan di aadat hai. tuhanu shayad apnia kujh aadata badlaniya pain. nale eh vi likho ki har mahine tusi kinne paise bachaa sakde ho taaki achanak koi mushkal kharhi hon ’te tusi ihna paisya nu vart sako.

 sujhaa: kharch da hisab likhde vele chhote-mote kharche vi likho. tusi eh dekh ke hairan reh jaoge ki kadi-kadayi chhotiya-motiya cheeza ’te kinna paisa kharch hunda hai. misal layi, ik aadmi ne jado apne saal bhar de kharche da hisab laya, taa os nu ehsas hoya ki oh har saal hazaara rupaye bubble-gam ’te kharch reha si.

 bible da asool: “tusi ziada zaroori galla nu dhyaan vich rakho.”—filippiya 1:10.

 dekho ki tuhadi aamdan kinni hai atey kharcha kinna hai. socho ki tusi kinha cheeza ’te ghatt kharcha kar sakde ho atey kinha cheeza to bagair guzara kar sakde ho. is tarha tusi thodi aamdan vich vi guzara tor sakoge. zara kujh galla ’te gaur karo:

•   aaun-jaan layi sadhan. je tuhade kol ik to ziada gaddiya han, taa kee tusi ik gaddi vech sakde ho? je tuhade kol mehngi gaddi hai, taa kee tusi koi chhoti ja sasti gaddi lai sakde ho? kee tusi bus, auto ja cycle ’te aa-ja sakde ho? je tusi idda kar sakde ho, taa apne kol koi vi gaddi na rakho.

•   manoranjan. kee tusi kebal ja dish tv nu thode same layi katva sakde ho? kee tusi manoranjan layi kujh ajeha kar sakde ho jis ’te ghatt paisa lagge?

•   zaroori kharche. parivar naal baith ke gall karo ki tusi paani, bijli te petrol da kharcha kive ghataa sakde ho. je lorr nahi hai, taa lightaa band karo atey ho sake taa nahaun vele paani di ghatt varto karo. idda kar ke tusi paisa bachaa sakde ho.

•   khana. restaurant vich jana ghatt kar dyo. ghar vich hi khana banao. pehla to hi tai karo ki ghar vich kee banega atey je ho sake, taa ajehiya cheeza khareedo jo jaldi kharab na hon. mumkin hove taa ziada khana banao atey bachya hoya khana baad vich khao. khareedari karan to pehla list banao taaki fazool kharch na hove. mausam de hisab naal taziya cheeza khareedo kyoki eh sastiya hundiya han. chatpatiya ja bazari cheeza na khareedo. ghar vich sabziya ugaun bare socho.

•   kappde. je tuhade kappde paaun de layak nahi rahe, taa hi nave khareedo. sirf fashion vich rehen karke na khareedo. utho kappde khareedan di koshish karo jithe sel laggdi hai atey vadiya kappde milde han. ho sake, taa dhupp vich kappde sukao. is naal tuhada bijli da bil ghatt aavega.

•   bhavikh vich hon vale kharche. kujh vi khareedan to pehla apne to puchho, ‘kee mere kol eh khareedan layi paise han? kee vakayi mainu is cheez di lorr hai?’ je zaroori nahi hai, taa puraniya cheeza na badlo, jive mobile, laptop ja gaddi. nale socho, ‘kee mai ohna cheeza nu vech sakda ha jinha di mainu lorr nahi hai?’ idda karan naal tuhade kol thode paise aa jaange.

 sujhaa: jado achanak tuhadi aamdan ghatt jandi hai, taa eh apne aap vich badlaa karan atey buriya aadata nu chhaddan da vadiya mauka hunda hai, jive tamakhu khana, juaa khedna atey haddo vadh sharaab peeni. ajehe badlaa karan naal na sirf tuhade paise bachange, sago tusi vadiya zindagi ji sakoge.

 bible da asool: “khush han jehrre parmeshwar di agvayi layi tarasde han.”—matti 5:3.

 bible bahut hi vadiya salah dindi hai: “jive paisa surakhya dinda hai, tive budh surakhya dindi hai. par giaan de naal-naal budh hon da faida eh hai ki eh apne malak di jaan di raakhi kardi hai.” (updeshak di kitab 7:12) bahut sare lokaa ne dekhya hai ki eh salah mann ke ohna nu faida hoya hai, khaas karke odo jado paise bare haddo vadh chinta hon lagge.—matti 6:31, 32.