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 Chinsinsi cha Banja Losangalala

Zimene Mungachite Ngati Muli Ndi Ngongole

Zimene Mungachite Ngati Muli Ndi Ngongole

Giannis: * “Bizinezi yanga inalowa pansi pa nthawi imene dziko la Greece linali m’mavuto azachuma, ndipo zimenezi zinachititsa kuti ndisamathe kulipira mabilu komanso kugula zofunika za pakhomo. Izi zinkandidetsa nkhawa kwambiri moti ndinkalephera kugona.”

Katerina: “Ine ndi mwamuna wanga tinamanga nyumba imene tinkaikonda kwambiri ndipo sindinkafuna kuti wina atilande chifukwa cha ngongole. Nthawi zambiri tinkangokhalira kukangana za mmene tingabwezere ngongole.”

NGONGOLE ingawononge kapenanso kuthetsa banja kumene. Mwachitsanzo, katswiri wina wofufuza zinthu, dzina lake Jeffrey Dew, anapeza kuti mabanja amene ali ndi ngongole sakhala ndi nthawi yocheza, amamenyana komanso amakhala osasangalala. Mosiyana ndi nkhani zina, anthu m’banja akamakangana pa nkhani ya ngongole, mkangano wake sutherapo, amayamba kulalatirana ndi kumenyana komanso nthawi zambiri nkhani za ngongole zimayambitsanso mavuto ena. Choncho n’zosadabwitsa kuti vuto lalikulu limene limachititsa kuti mabanja azitha ku America ndi lokhudza kusiyana maganizo pa nkhani ya ndalama.

Munthu akakhala ndi ngongole zikuluzikulu angayambe kudwala matenda monga kusowa tulo, mutu, m’mimba, mtima komanso kuvutika maganizo. Mayi wina, dzina lake Marta anafotokoza kuti: “Ngongole imene tinali nayo inachititsa kuti mwamuna wanga, dzina lake Luís, ayambe kudwala matenda ovutika maganizo moti ankangogona masana onse. Poyamba iye ankapeza zofunika zonse za banja lathu koma tsopano sankakwanitsanso kusamalira banja.” Kwa ena vuto limeneli limafika poipa. Mwachitsanzo, nkhani ina imene inaulutsidwa pa wailesi ya BBC, inanena kuti mayi wina wa ku India anadzipha ataona kuti sakwanitsa kubweza ngongole ya ndalama zokwana madola 840 a ku America. Iye anakongola ndalamazo kuti alipire kuchipatala pa nthawi imene mwana wake ankadwala.

 Kodi mungatani ngati banja lanu lili ndi nkhawa chifukwa choti muli ndi ngongole? Tiyeni tikambirane mavuto amene mabanja ambiri amakumana nawo akakhala ndi ngongole komanso mfundo za m’Baibulo zimene zingathandize.

VUTO LOYAMBA: Kulozana zala.

Bambo wina, dzina lake Lukasz ananena kuti: “Ine ndinkamuuza mkazi wanga kuti amawononga ndalama pa zinthu zosafunika, pamene iyeyo ankadandaula kuti ndikanakhala kuti ndinapeza ntchito yoti ndizigwira chaka chonse, bwenzi tikupeza ndalama zokwanira.” Kodi mwamuna ndi mkazi wake angatani kuti ngongole zisawononge banja lawo?

Zimene mungachite: Kambiranani njira yobwezera ngongoleyo.

Kukangana m’banja sikungathandize kuthetsa vuto ngakhale kuti mwina si inuyo amene munakongola ndalamazo. Pa nthawi imeneyi muyenera kutsatira malangizo a m’Baibulo a pa Aefeso 4:31 akuti: “Kuwawidwa mtima konse kwa njiru, kupsa mtima, mkwiyo, kulalata ndiponso mawu achipongwe zichotsedwe mwa inu limodzi ndi zoipa zonse.”

Limbanani ndi ngongoleyo osati kulimbana nokhanokha. Bambo wina, dzina lake Stephanos anafotokoza zimene iyeyo ndi mkazi wake anachita kuti abweze ngongole yawo. Iye anati: “Tinkaona kuti ngongoleyo ndi ya tonse. Choncho tinayenera kuthandizana.” Zimene anachitazi zikugwirizana ndi lemba la Miyambo 13:10 limene limati: “Chifukwa cha kudzikuza, munthu amangoyambitsa mavuto, koma anthu amene amakhala pamodzi n’kumakambirana amakhala ndi nzeru.” M’malo mochita zinthu modzikuza, n’kumayesa kuthana ndi vutolo nokha, chitani zinthu mogwirizana pofuna kupeza njira yobwezera ngongoleyo.

Ngati muli ndi ana, nawonso angathandizepo. Bambo wina wa ku Argentina, dzina lake Edgardo ananena zimene anachita m’banja lawo. Iye anati: “Mwana wathu wamng’ono ankafuna njinga yatsopano, koma tinamuuza kuti sitingakwanitse kumugulira. M’malo momugulira njingayo, tinangomupatsa njinga ya agogo ake ndipo anasangalala nayo kwambiri. Tinaphunzira ubwino wochitira zinthu pamodzi.”

TAYESANI IZI: Pezani nthawi yokambirana momasuka komanso mwamtendere za ngongole yanuyo. Vomerezani zinthu zolakwika zimene munachita pa nkhani ya ngongoleyo. Koma m’malo moganizira kwambiri za zinthu zimene munalakwitsa, kambiranani mfundo zimene zingadzakuthandizeni m’tsogolo posankha zinthu zokhudza ndalama.—Salimo 37:21; Luka 12:15.

VUTO LACHIWIRI: N’zosatheka kukhala opanda ngongole.

Bambo wina, dzina lake Enrique anati: “Ndinali ndi ngongole yaikulu kwambiri pa bizinezi yanga, yomwe inawonjezekanso kwambiri pa nthawi imene m’dziko la Argentina munali mavuto azachuma. Koma popeza mvula ikakuona litsiro siikata, panapezeka kuti mkazi wanganso akufunika kuchitidwa opaleshoni.” Bambo wina wa ku Brazil, dzina lake Roberto, analowetsa ndalama zake zonse mu bizinezi imene anayamba koma bizineziyo sinayende bwino, ndipo anali ndi ngongole zoti abweze ku mabanki 12. Iye anati: “Ndikakumana ndi anzanga ndinkachita manyazi kwambiri ndipo ndinkangofuna nditalowa pansi.”

Kodi mungatani ngati ngongole yomwe muli nayo ikuchititsa kuti muzikhumudwa, kudziimba mlandu kapena kuchita manyazi?

Zimene mungachite: Muzigwiritsa ntchito bwino ndalama. *

 

1. Onani mmene bajeti yanu ilili. Kwa milungu iwiri kapena mwezi, lembani ndalama zimene mumapeza komanso zimene mumagwiritsa ntchito. Lembaninso ndalama zimene mumagwiritsa ntchito pa zinthu zomwe sizifunika kulipira mwezi uliwonse monga msonkho, inshulansi komanso zovala.

2. Musamangodalira ndalama zimene mumalandira. Kuwonjezera pa ntchito imene mumagwira, mwina mungamagwire ntchito zina monga zimene zimagwiridwa pa nthawi inayake, kukhala mphunzitsi wa pati tayimu, kuchita kabizinezi kapakhomo kapena mungamagwiritse ntchito zinthu zimene zagwiritsidwa kale ntchito. Komabe muyenera kusamala kuti zinthu zimenezi zisamakulepheretseni kuchita zinthu zauzimu zomwe ndi zofunika kwambiri.

3. Chepetsani ndalama zimene mumawononga. Muzigula zinthu zokhazo zimene mukufunikiradi. Osangogula zinthu chifukwa choti akugulitsa. (Miyambo 21:5) Enrique, yemwe tamutchula poyambirira pa nkhani ino uja, ananena kuti: “Si bwino kugula chinthu mopupuluma, ganizirani kaye ngati mukufunikiradi chinthucho.” Zinthu zina zimene zingakuthandizeni kuchepetsa ndalama zomwe mumawononga ndi izi:

  •   Nyumba: Ngati n’zotheka, mungasamukire m’nyumba yaing’ono imene mungamalipire ndalama zochepa ndipo muziyesetsa kuti musamawononge magetsi komanso madzi.

  • Chakudya: Muzitenga chakudya chophikaphika m’malo mogula chakudya pa nthawi yamasana. Muzigula zinthu m’masitolo amene atsitsa mitengo ya zinthu. Bambo wina wa ku Brazil, dzina lake Joelma, anati: “Ndimakonda kukagula zipatso komanso masamba kumsika pa nthawi imene atsala pang’ono kuweruka chifukwa pa nthawiyi zinthu zimakhala zotchipa.”

  • Thiransipoti: Gulitsani magalimoto omwe simugwiritsa ntchito, ndipo muzikonza imene mumagwiritsa ntchitoyo m’malo mogula ina yatsopano. Nthawi zina mungathe kumakwera minibasi kapena kungoyenda pansi.

Kuchepetsa ndalama zimene mumawononga kungathandize kuti muzigwiritsa ntchito bwino ndalama zomwe mumapeza.

4. Muziona bwinobwino zonse zokhudza ngongoleyo. Choyamba onani ndalama zimene mukufuna kutenga, chiwongoladzanja chake, zimene zingachitike mukadzalephera kubweza kapena mukadzabweza mochedwa. Mutsimikizirenso ngati madeti obweza ngongoleyo sanapitirire kale. Muonenso mosamala zimene zalembedwa chifukwa anthu okongoza ndalama angakupusitseni. Mwachitsanzo bungwe lina lokongoza ndalama la ku America linkanena kuti chiwongoladzanja chawo ndi madola 24 pa 100 alionse, koma zoona zake zinali zoti chiwongoladzanja chawo chinali madola 400 pa 100 alionse.

Chachiwiri, onani mmene muzidzabwezera ngongoleyo. Mukhoza kuyamba ndi kubweza ngongole imene ili ndi chiwongoladzanja chochuluka. Njira ina ingakhale kuyamba mwalipira zinthu zina zing’onozing’ono ndipo zimenezi zikhoza kukulimbikitsani kuti muziona kuti n’zotheka kubweza ngongole. Ngati muli ndi ngongole za chiwongoladzanja chachikulu, mukhoza kukabwereka ndalama za chiwongoladzanja chochepa kuti zikuthandizeni kubweza ngongole zina zimene muli nazo.

Chachitatu, ngati mukuona kuti simutha kubweza ngongoleyo pa nthawi yake, mwina mungakambirane ndi okongoza ndalamawo kuti mugwirizane njira zina zimene mungabwezere ngongoleyo. Mwina angakuwonjezereni nthawi kapena kukutsitsirani chiwongoladzanja. Okongoza ndalama ena akhoza kukutsitsirani ndalama zoti mubweze ngati mutakwanitsa kupereka ndalama zimene akutsitsiranizo nthawi imodzi. Muzilankhula zoona komanso mwaulemu mukamawafotokozera mmene zinthu zilili pa moyo wanu. (Akolose 4:6; Aheberi 13:18) Muzilemba zonse zimene mwagwirizana. Ngakhale mwayesa kukambirana nawo koma okongoza ndalamawo akukana, musafooke pitirizani kuchonderera kuti asinthe zimene munagwirizana poyamba.—Miyambo 6:1-5.

Komabe, muyenera kuonetsetsa kuti musamagwiritsire ntchito ndalama zopitirira zimene mumakhala nazo. Nthawi zina ngakhale mutalinganiza zinthu bwinobwino zingapezeke kuti sizinayende mmene munkafunira chifukwa chuma “chimadzipangira mapiko ngati a chiwombankhanga n’kuulukira kumwamba.”—Miyambo 23:4, 5.

TAYESANI IZI: Mukakonza bajeti yanu, muzikambirana mmene aliyense angachepetsere ndalama zomwe amawononga, komanso mmene  angawonjezerere ndalama zimene banja lanu limagwiritsira ntchito. Aliyense akamayesetsa kuchita mbali yake, zingathandize kuti ngongoleyo ithe.

VUTO LACHITATU: Ukakhala ndi ngongole, umangoganizira za ngongoleyo.

Pofuna kubweza ngongole, munthu angasiye kuchita zinthu zina zofunika pa moyo. Monga mmene bambo wina dzina lake Georgios ananenera, iye anati: “vuto lalikulu limakhala loti aliyense amangoganiza za ngongoleyo n’kuiwala kuchita zinthu zofunika kwambiri.”

Zimene mungachite: Muziona ndalama moyenera.

Nthawi zina ngakhale mutayesetsa bwanji, mwina mungapitirizebe kubweza ngongoleyo kwa zaka zambiri. M’malo modera nkhawa kwambiri nkhani ya ndalama, mungachite bwino kutsatira malangizo a m’Baibulo awa: “Pokhala ndi chakudya, zovala ndi pogona, tikhale okhutira ndi zinthu zimenezi.”—1 Timoteyo 6:8.

Mukamakhutira ndi ndalama zimene mumapeza, zidzakuthandizani ‘kutsimikizira kuti zinthu zofunika kwambiri ndi ziti.’ (Afilipi 1:10) “Zinthu zofunika kwambiri” zimenezi zikuphatikizapo ubwenzi wanu ndi Mulungu komanso ndi banja lanu. Georgios yemwe tamutchula uja ananena kuti: “Ngakhale kuti sitinamalize kubweza ngongole yathu, sitikhalira kumangoganiza za ngongoleyo n’kuiwala kuchita zinthu zofunika pa moyo wathu. Panopo banja lathu likuyenda bwino, timapeza nthawi yocheza ndi ana athu komanso yochitira limodzi zinthu zauzimu.”

TAYESANI IZI: Lembani zinthu zimene mukuona kuti ndi zofunika kwambiri ndipo simungazigule ndi ndalama. Kenako onani mmene mungawonjezerere nthawi imene mungathere pochita zimene mwalembazo.

Ngongole imasowetsa mtendere ndipo kuti munthu abweze amafunika khama koma akabweza amasangalala. Mwamuna wina dzina lake Andrzej wa ku Poland ananena kuti: “Nditadziwa kuti mkazi wanga anatengera ngongole mnzake wina wa kuntchito, mnzakeyo n’kuthawa asanabweze ngongoleyo, zinthu zinafika poipa kwambiri m’banja lathu.” Komabe zimene iwo anachita zinathandiza kuti zinthu ziyambenso kuyenda bwino. Andrzej anati: “Zimene zinatithandiza ndi kuchitira zinthu limodzi pofuna kubweza ngongoleyi ndipo zimenezi zinatithandiza kuti tikhale ogwirizana kwambiri.”

^ ndime 3 Tasintha mayina ena m’nkhani ino.

^ ndime 17 Kuti mupeze mfundo zina pa nkhani imeneyi, werengani nkhani zoyambirira mu Galamukani! ya September 2011 ya mutu wakuti “Kodi Mungasamale Bwanji Ndalama?” yofalitsidwa ndi Mboni za Yehova.

DZIFUNSENI KUTI . . .

  • Kodi ndingatani kuti tibweze ngongole imene tili nayo?

  • Kodi tingatani kuti ngongoleyi isawononge banja lathu?