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 Chinsinsi cha Banja Losangalala

Muzigwiritsa Ntchito Ndalama Mwanzeru

Muzigwiritsa Ntchito Ndalama Mwanzeru

Bambo: “Ndikuona kuti mkazi wanga Laura, * amangowononga ndalama pogula zinthu zosafunika ndipo satha kusunga ndalama. Zimenezi zimachititsa kuti tivutike kwambiri tikakumana ndi mavuto amwadzidzidzi. Ndiponso mkazi wanga akangokhala ndi ndalama, amaziwononga nthawi yomweyo.”

Mayi: “Mwinadi sindisamala ndalama, koma mwamuna wanga sadziwa mitengo ya zinthu monga chakudya, katundu wa m’nyumba ndiponso zinthu zina zofunika pakhomo. Ineyo ndi amene ndimakhala pakhomo nthawi zonse ndipo ndimadziwa zimene tikufunikira. N’chifukwa chake ndimagulabe zinthuzo ngakhale ndikudziwa kuti sitikagwirizana.”

NKHANI ya ndalama ndi imodzi mwa nkhani zimene zingakhale zovuta kwambiri kuti mwamuna ndi mkazi wake akambirane modekha. Ndipo n’zosadabwitsa kuti nkhaniyi ndi imene imachititsa anthu okwatirana kukangana kawirikawiri.

Mwamuna ndi mkazi wake akamakonda ndalama, nthawi zambiri angamavutike maganizo, angamayambane, ngakhalenso kuwononga ubwenzi wawo ndi Yehova. (1 Timoteyo 6:9, 10) Makolo amene amalephera kugwiritsa ntchito bwino ndalama angamagwire ntchito nthawi yaitali, ndipo zimenezi zingachititse kuti asamachezere limodzi komanso azilephera kuchita zinthu zauzimu pamodzi ndi ana awo. Zimenezi zimapangitsanso ana awo kuti akhale okonda ndalama.

Baibulo limati: “Ndalama zitchinjiriza.” (Mlaliki 7:12) Koma ndalama zingatchinjirize banja lanu ngati mumatha kuzigwiritsa ntchito bwino komanso ngati mumalankhulana bwino ndi mkazi kapena mwamuna wanu mukamakambirana nkhani ya ndalama. * Ndipotu m’malo mokangana, kukambirana nkhani ya ndalama kungathandize kuti mwamuna ndi mkazi wake azikondana kwambiri.

Nanga n’chifukwa chiyani ndalama zimabweretsa mavuto ambiri m’banja? Kodi mungachite chiyani kuti musamakangane pokambirana nkhani za ndalama?

Chimene Chimayambitsa Mavutowa

Nthawi zambiri anthu akamakangana pankhani za ndalama, vuto silikhala ndalamazo, koma kusakhulupirirana ndiponso mantha. Mwachitsanzo, mwamuna amene nthawi zonse amafuna kuti azidziwa mmene mkazi wake wagwiritsira ntchito ndalama ina iliyonse, ngakhale yochepa kwambiri, angakhale akukayikira kuti mkazi wakeyo amagwiritsira ntchito ndalama mwanzeru. Ndiponso mkazi amene amadandaula kuti mwamuna wake amasunga ndalama zochepa kwambiri, angakhale akuopa kuti mwina nthawi ina banjalo lingadzakumane ndi mavuto a zachuma.

Chinanso chimene chimachititsa mwamuna ndi mkazi wake kuti azisemphana maganizo pankhani za ndalama, ndi banja limene anachokera. Bambo wina dzina lake Matthew, yemwe wakhala m’banja zaka 8, anati: “Mkazi wanga anachokera kubanja limene limagwiritsa ntchito bwino ndalama, motero sakhala ndi mantha ngati ine. Bambo anga anali chidakwa ndiponso ankasuta kwambiri  ndipo nthawi zambiri ankakhala paulova. Nthawi zambiri tinkasowa zinthu zofunika pamoyo ndipo zimenezi zinandichititsa kuti ndiziopa kwambiri ngongole. Ndipo chifukwa cha mantha amenewa, ndimam’patsa mkazi wanga malamulo ambiri pankhani zandalama.” Kaya n’chiyani chimachititsa kuti muzikangana pankhani imeneyi, koma kodi mungatani kuti ndalama zilimbitse ukwati wanu m’malo moti ziziyambitsa mavuto?

Kodi inuyo mumaona kuti ndalama ndi banja chofunika kwambiri n’chiyani?

Mfundo Zinayi Zimene Zingathandize

N’zoona kuti Baibulo si buku lankhani za ndalama. Komabe lili ndi malangizo abwino amene angathandize mwamuna ndi mkazi wake kuti asamakangane pankhani za ndalama. Taonani malangizo otsatirawa ndipo yesani kuwagwiritsa ntchito.

1. Muzikambirana modekha nkhani zokhudza ndalama.

Baibulo limati: “Anthu amene amakhala pamodzi n’kumakambirana amakhala ndi nzeru.” (Miyambo 13:10, NW) Mwina chifukwa cha mmene munaleredwera, zingakuvuteni kukambirana ndi anthu ena nkhani za ndalama, makamaka ndi mkazi kapena mwamuna wanu. Ngati ndi choncho, ndi nzeru kuphunzira kukambirana bwino nkhani yofunikayi. Mwachitsanzo, mungamuuze mkazi kapena mwamuna wanu kuti mmene munaleredwera zimakhudza mmene mumachitira ndi ndalama. Komanso muyenera kumvetsa kuti mkazi kapena mwamuna wanu amaona ndalama mwa njira ina yake chifukwa cha mmene iyenso analeredwera.

Muzikhala ndi nthawi yokambirana nkhani za ndalama osati pakakhala vuto basi. Wolemba Baibulo wina anafunsa kuti: “Kodi awiri adzayenda pamodzi asanapanganiranetu?” (Amosi 3:3) Kodi mungagwiritse ntchito bwanji mfundo imeneyi? Mukhoza kuchepetsa mikangano imene imabwera chifukwa chosamvetsetsana ngati mwapanganiranatu nthawi yoti mukambirane nkhani za ndalama.

TAYESANI IZI: Sankhani nthawi yoti muzikambirana nkhani za ndalama m’banja lanu. Mungasankhe kuti muzikambirana nkhaniyi tsiku loyamba la mwezi uliwonse kapena la mlungu uliwonse. Yesetsani kuti muzikambirana mwachidule, mwina kwa mphindi 15 kapena zocheperapo. Sankhani nthawi imene mungakambirane momasuka. Gwirizanani kuti musamakambirane za ndalama nthawi zina, monga pokudya kapena pocheza ndi ana.

2. Muziona ndalama kuti ndi za nonse.

Baibulo limati: “Posonyezana ulemu wina ndi mnzake, khalani patsogolo.” (Aroma 12:10) Ngati mkazi kapena mwamuna wanu sagwira ntchito, mungasonyeze kuti mumamulemekeza poona ndalama zimene mumalandira kuti ndi za nonse, osati zanu zokha.​—1 Timoteyo 5:8.

Ngati nonse mumagwira ntchito, mungasonyeze kuti mumalemekezana posabisirana ndalama zimene mumalandira ndiponso mukafuna kugula zinthu zofuna ndalama zambiri. Ngati mumabisirana, zingasonyeze kuti simukhulupirirana ndipo zingasokoneze ukwati wanu. Komabe, zimenezi sizikutanthauza kuti muyenera kukambirana mukafuna kugula kanthu kalikonse, ndi kofuna ndalama zochepa komwe. Koma mukamakambirana pofuna kugula zinthu za ndalama zambiri, zimasonyeza kuti mumalemekeza mwamuna kapena mkazi wanu.

TAYESANI IZI: Gwirizanani ndalama zimene nonse mungagwiritse ntchito popanda kukambirana. Koma nthawi zonse muzikambirana mukafuna kugwiritsa ntchito ndalama zoposa zimene munagwirizanazo.

3. Muzipanga bajeti.

Baibulo limati: “Mukakonzekera ndi kugwira ntchito mwakhama, mudzapeza zinthu zambiri.” (Miyambo 21:5, Contemporary English Version) Kukonza bajeti ndi njira imodzi imene ingakuthandizeni kukonzekera za mtsogolo ndiponso kuti musamawononge ndalama mwachisawawa. Mayi wina dzina lake Nina, yemwe wakhala m’banja zaka zisanu anati: “Kulemba bajeti n’kothandiza kwambiri chifukwa mumatha kuona ndalama zimene zikufunikira pogula zinthu mogwirizana ndi ndalama zimene mumapeza.”

Bajeti yanu siyenera kukhala yovuta. Bambo wina dzina lake Darren, yemwe wakhala m’banja zaka 26 ndipo ali ndi ana awiri, anati: “Poyamba, tinkayika m’maenvulopu ndalama zimene tikufuna kugwiritsa ntchito mlungu uliwonse. Mwachitsanzo, panali maenvulopu a ndalama zogulira zakudya, zopitira kosangalala ndiponso zometetsera. Koma ndalama zikatha mu envulopu ina, tinkabwereka kuchoka mu envulopu ina ndipo  tinkaonetsetsa kuti tibwezeretse mwachangu ndalama mu envulopu imene tinabwerekayo.” Ngati mumakonda kugula zinthu pangongole, mungachite bwino kulemba zinthu zimene mukufuna kugulazo ndiponso ndalama zimene mungawononge.

TAYESANI IZI: Lembani zinthu zimene mumagula zomwe mitengo yake siisinthasintha. Ndipo gwirizanani kuchuluka kwa ndalama zimene mukufuna kuti muzisunga pa ndalama zimene mumapeza. Kenako lembani zinthu zimene mitengo yake imasinthasintha, monga zakudya, magetsi ndiponso foni. Mukatero, muzilemba ndalama zimene mwawononga polipirira zinthu zimenezi m’miyezi ingapo yapitayo. Ngati mukuona kuti n’zothandiza, sinthani zina ndi zina n’cholinga choti musamakhale ndi ngongole zambiri.

4. Gawanani zochita.

Baibulo limati: “Awiri amaposa mmodzi, chifukwa amapeza zambiri akamagwirira ntchito limodzi.” (Mlaliki 4:9, 10, New Century Version) M’mabanja ena mwamuna ndi amene amasamalira nkhani za ndalama, koma m’mabanja enanso mkazi ndi amene amasamalira bwino mbali imeneyi. (Miyambo 31:10-28) Komabe, m’mabanja ena mwamuna ndi mkazi amasamalira udindowu limodzi. Bambo wina dzina lake Mario, amene wakhala pabanja zaka 21, anati: “Mkazi wanga ndi amene amalipira mabilu a zinthu zosiyanasiyana ndiponso kugula zinthu zing’onozing’ono zomwe zimafunika pakhomo. Ineyo ndimalipira zinthu zikuluzikulu monga misonkho ndi nyumba. Sitibisirana kalikonse ndipo timachita zinthu mogwirizana.” Kaya inuyo mungatsatire njira yotani, chofunika ndi kuchita zinthu mogwirizana.

TAYESANI IZI: Gawanani zochita moganizira zimene mkazi kapena mwamuna wanu angathe kuchita komanso zimene sangathe. Pakapita miyezi ingapo, muziona ngati njirayi ikuthandiza ndipo muzisintha ngati pakufunikira kutero. Mungasinthanenso zochita monga kulipira mabilu kapena kukagula zinthu n’cholinga choti muziona kufunika kwa ntchito imene mkazi kapena mwamuna wanu akuchita.

Ubwino Wokambirana Momasuka

Musalole kuti nkhani zokhudza ndalama zisokoneze chikondi chanu. Mayi wina dzina lake Leah, yemwe wakhala pabanja zaka zisanu akugwirizana ndi mfundo imeneyi. Iye anati: “Ine ndi mwamuna wanga taphunzira kukambirana moona mtima nkhani za ndalama. Zimenezi zathandiza kuti tizichita zinthu mogwirizana komanso kuti tizikondana kwambiri.”

Mwamuna ndi mkazi wake akamakambirana mmene angagwiritsire ntchito ndalama, amasonyeza kuti sakayikirana ndiponso kuti amakondana. Akamakambirana asanagule zinthu zofuna ndalama zambiri, amasonyeza kuti amalemekezana. Akagwirizana zoti aliyense angathe kugula zinthu zina za ndalama zochepa popanda kukambirana, amasonyeza kuti amakhulupirirana. Zimenezi n’zimene zimathandiza kuti anthu okwatirana azikondana kwambiri. Ndipotu chikondi n’chofunika kwambiri kuposa ndalama, choncho palibe chifukwa chomakangana.

^ ndime 3 Tasintha mayina m’nkhani ino.

^ ndime 7 Baibulo limanena kuti: “Mwamuna ndiye mutu wa mkazi wake.” Choncho, iye ndi amene ali ndi udindo waukulu woona mmene banjalo lingagwiritsirire ntchito ndalama ndiponso ali ndi udindo wosamalira ndi wokonda mkazi wake.​—Aefeso 5:23, 25.

DZIFUNSENI KUTI . . .

  • Kodi ndinakambirana liti modekha ndi mkazi kapena mwamuna wanga nkhani za ndalama?

  • Kodi ndinganene kapena kuchita chiyani posonyeza kuti ndimayamikira zimene mkazi kapena mwamuna wanga amachita pankhani za ndalama?