Yeqa uye kokuphakathi

Ungenzani Ukuze Wenelise Ukuphila Ngemali Encane?

Ungenzani Ukuze Wenelise Ukuphila Ngemali Encane?

Ukuwa kwezomnotho sekwenze ukuthi uphile ngemali encane yini? Imikhuhlane emibi lememetheka lula, umonakalo wemvelo, ukungazwanani kwabezombusazwe kanye lezimpi kungaphambanisa umkhonomi welizwe. Ukuphelelwa ngumsebenzi lokukhwela kwentengo yezinto kungenza sikhathazeke kakhulu. Nanka amacebo aseBhayibhilini angakunceda wenelise ukuphila ngemali encane.

1. Vumelana lezimo.

Okutshiwo liBhayibhili: ‘Sengifunde imfihlo yokuba lokunengi leyokuswela.’—KwabaseFiliphi 4:12.

Wena lemuli yakho lingenelisa ukuphila ngemali encane oyitholayo nxa lingazimisela ukuvumelana lezimo eselikuzo.

Dingisisa ukuthi lukhona yini uncedo ongaluthola kuhulumende kumbe kwezinye inhlanganiso ezincedisa abantu. Bhalisa masinyane nxa kulenhlelo ezinjalo ukuze uncediswe.

2. Bambisanani emulini.

Okutshiwo liBhayibhili: “Amaqhinga ayehluleka uma kungelazeluleko, kodwa ayaphumelela ngabeluleki abanengi.”—IZaga 15:22.

Xoxa lomkakho labantwabakho ngesimo eselikuso. Ukwenza njalo kuzalinceda lonke emulini lizwisise ukuthi yindaba kumele litshintshe indlela ebelisenza ngayo izinto. Lizakwenza okunengi ngemali eliyitholayo nxa lingabambisana ekuyisebenziseni kuhle.

3. Hlelani ukuthi lizayisebenzisa njani imali.

Okutshiwo liBhayibhili: ‘Hlala phansi ubale izindleko.’—ULukha 14:28.

Kuqakathekile ukwazi ukuthi yonke imali eliyitholayo iyangaphi ikakhulu nxa sokumele liphile ngemali encane. Ngakho bhalani phansi ukuthi lithola malini ngenyanga lokuthi lisebenzisa enganani. Xoxani langokuthi lizagcina malini inyanga ngayinye ukuze liyisebenzise nxa kungavuka okunye nje ebelingakulindelanga. Ekuhleleni kwenu lizananzelela ukuthi kumele litshintshe ezinye izinto.

Okungakunceda: Lingakhohlwa lokubhala imali eliyisebenzisa ukuthenga izinto ezingaqakathekanga. Uzamangala ukuthi liqeda imali enengi lithenga lezozinto. Ngokwesibonelo eyinye indoda yananzelela ukuthi yayisebenzisa imali enengi ngomnyaka ithenga amatshingamu.

4. Sebenzisani imali yenu ezintweni eziqakathekileyo.

Okutshiwo liBhayibhili: “Libe leqiniso lokuthi yiziphi izinto eziqakatheke kakhulu.”—KwabaseFiliphi 1:10.

Qathanisani imali eliyitholayo lezindleko zenu beselibona ukuthi yikuphi elingaphila lingelakho kumbe elingakunciphisa ukuze kuhambelane lemali yenu. Nanku okunye elingakukhangela:

  • Okokuhambisa. Lingenelisa yini ukuthengisa ezinye izimota lisale leyodwa? Nxa kuyikuthi imota oyisebenzisayo ikudlela imali, ungayitshintsha yini uthenge eyinye? Ungenelisa yini ukuthengisa imota ubusugada ibhasi, amakhombi kumbe usebenzise ibhayisikili?

  • Ezokuzilibazisa. Ungama yini ukubhadalela i-satellite dish kumbe i-inthanethi izimo zize zibe ngcono? Ungadinga yini ezinye indlela zokuzilibazisa ezingaduliyo?

  • Okumele likubhadalele inyanga ngayinye. Xoxani ngokuthi lingenzani ukuze linciphise izindleko zamanzi, ezamagetsi lezamafutha emota. Ukucitsha amalayithi nxa lingawasebenzisi lokusebenzisa amanzi alingeneyo nxa ugeza kungabonakala kungatsho lutho kodwa kuyanceda kakhulu ekunciphiseni izindleko.

  • Ukudla. Kungcono ukuziphekela ngekhaya kulokuthenga ukudla osekuphekiwe. Ukuhlela ukuthi lizakudlani kusaselesikhathi kuzalinceda ukuthi lithenge ukudla elizakusebenzisa njalo okunye kwakhona lingahle likupheke kukunengi ngasikhathi sinye. Zamani ukungalahli ukudla okuseleyo. Bhalani phansi elifuna ukuyakuthenga ukuze lingacini selithenga lezinto ebelingahlelanga ukuzithenga. Thengani izithelo lezilimo ngezikhathi ezitholakala ngazo ngobunengi ngoba ziyabe zitshiphile. Balekelani ukuthenga ukudla okungakhi umzimba. Okunye elingakwenza yikuba lengadi yenu yezilimo.

  • Okokugqoka. Thenga izigqoko nxa olazo sezigugile hatshi ukuxotshana lefeshini. Thenga impahla eziku-sale kumbe uthenge esezike zasetshenziswa kodwa ezisesimeni esihle. Kulokuthi usebenzise umtshina wokomisa impahla, zichaye phandle.

  • Cabangisisa ungakathengi. Ungakathengi loba yini qala uzibuze ukuthi: ‘Ngilayo yini imali yokukuthenga? Ngiyakudinga yini khonokhu?’ Okunye ongakwenza yikuma kancane ukutshintsha izinto ozisebenzisa endlini, ukutshintsha imota kumbe amafoni. Ungathengisa yini ezinye izinto ongasazisebenzisiyo? Lingenza njalo lizanciphisa izindleko zenu njalo lizakwenelisa lokonga imali.

Okungakunceda: Ukutshintsha kwezimo kungakunceda ukuthi utshiye imikhuba eyingozi njalo eqeda imali enjengokubhema, ukubheja lokunatha kakhulu. Lokhu kuzakunceda ukuthi usebenzise imali ezintweni eziqakathekileyo njalo ube lempilakahle.

5. Funda ngoNkulunkulu.

Okutshiwo liBhayibhili: “Bayathokoza abakunanzelelayo ukuthi kumele bakhokhelwe nguNkulunkulu.”—UMathewu 5:3.

IBhayibhili lithi: “Ukuhlakanipha kuyisiphephelo njengoba imali iyisiphephelo, kodwa ubungcono bolwazi yilobu: ukuthi ukuhlakanipha kuyayilondoloza impilo yalowo olakho.” (UmTshumayeli 7:12) Ukusebenzisa inhlakanipho eseBhayibhilini kuncede abantu abanengi ukuthi bangakhathazeki kakhulu ngendaba zemali. —UMathewu 6:31, 32.