Muzigwiritsa Ntchito Ndalama Mwanzeru

ANTHU amanena kuti Baibulo limati ndalama ndi zoipa. Koma zimene Baibulo limanena n’zakuti: “Kukonda ndalama ndi muzu wa zopweteka za mtundu uliwonse.” Anthu ena amangokhalira kufunafuna chuma. Ena asanduka akapolo a ndalama ndipo zimenezi zawabweretsera mavuto aakulu. Komabe ndalama ndi zabwino ngati zigwiritsidwa ntchito moyenera, n’chifukwa chake Baibulo limati: “Ndalama zivomera zonse.”—Mlaliki 10:19.

Baibulo si buku lamalangizo pankhani zandalama, komabe lili ndi mfundo zabwino zothandiza kugwiritsira ntchito ndalama mwanzeru. Akatswiri azachuma amanena kuti mfundo zisanu zotsatirazi, zomwenso zinalembedwa m’Baibulo, n’zothandiza kwambiri.

Muzisunga Ndalama. Baibulo limasonyeza kuti Aisiraeli analangizidwa kuti azisunga limodzi la magawo khumi la zokolola zawo chaka chilichonse kuti adzagwiritse ntchito pa maphwando a pachaka. (Deuteronomo 14:22-27) Ndiponso mtumwi Paulo analimbikitsa Akhristu kuti azisunga ndalama mlungu uliwonse zoti azithandizira Akhristu osowa. (1 Akorinto 16:1, 2) Alangizi ambiri azachuma amalimbikitsanso anthu kusunga ndalama. Ndi bwino kuti inunso muzisunga ndalama. Mukangopeza ndalama, kasungitseni ndalama zimene mukufuna kusunga ku banki kapena kulikonse kumene zingasungike bwino. Zimenezi zingakuthandizeni kuti musawononge ndalamazo.

Muzipanga Bajeti. Imeneyi ndi njira yothandiza kwambiri kuti muzigwiritsa ntchito ndalama mwanzeru. Bajeti ingakuthandizeni kwambiri kudziwa kumene ndalama zanu zikupita ndipo zimenezi zingakuthandizeni kukwaniritsa zolinga zanu. Onetsetsani kuti simukugwiritsa ntchito ndalama zochuluka kuposa zimene mumapeza. Muzidziwa kusiyanitsa zinthu zofunika ndi zosafunikira. Yesu anauza ophunzira ake kuti ‘aziwerengera ndalama zimene adzawononga’ pa ntchito iliyonse imene akufuna kuchita. Baibulo limatilangiza kuti tizipewa ngongole.—Miyambo 22:7.

Muzikonzekera. Muziganizira za m’tsogolo. Mwachitsanzo, ngati mukufuna kugula nyumba, mungachite bwino kupeza nyumba yotsikirapo mtengo. Ndiponso mungaone kuti ndi bwino kuchitira banja lanu inshuwalansi. Mungakonzekeretu panopo mmene mungadzapezere zinthu zofunika pamoyo wanu  mukadzakalamba. Lemba la Miyambo 21:5 limanena kuti: “Zoganizira za wakhama zichulukitsadi katundu.”

Musasiye kuphunzira. Ndi nzeru kuphunzira luso linalake ndiponso kudziwa mmene mungasamalire thanzi lanu chifukwa zimenezi zingadzakuthandizeni m’tsogolo. Musasiye kuphunzira zinthu zosiyanasiyana. Baibulo limasonyeza kuti kukhala ndi “nzeru yeniyeni ndi kulingalira” n’kofunika kwambiri.—Miyambo 3:21, 22; Mlaliki 10:10.

Musamakonde kwambiri ndalama. Ofufuza osiyanasiyana apeza kuti anthu amene amakonda kwambiri anthu anzawo kuposa ndalama amakhala osangalala. Anthu ena sakhutitsidwa ndi ndalama. Ngakhale kuti ali ndi chakudya, zovala ndi malo ogona, iwo amafufuzabe chuma. Komatu moyo wa munthu sufuna zambiri kuposa chakudya, zovala ndi malo ogona. N’chifukwa chake Paulo ananena kuti: “Pokhala ndi chakudya, zovala ndi nyumba, tidzakhala okhutira ndi zinthu zimenezi.” (1 Timoteyo 6:8) Tizikhutitsidwa ndi zinthu zimene tili nazo kuti tisamakonde kwambiri ndalama. Zimenezi zingatithandize kupewa mavuto onse amene amabwera chifukwa chokondetsa ndalama.

N’zoona kuti kukondetsa ndalama ndi muzu wa zoipa zambiri. Mungakhale kapolo wa ndalama ngati mumazikonda kwambiri. Koma mukamagwiritsa ntchito ndalama mwanzeru mungathe kuchita zinthu zofunika kwambiri pamoyo monga kucheza ndi banja lanu, anzanu ndiponso kulimbitsa ubwenzi wanu ndi Mulungu. Komabe padakali pano n’zosatheka kuti munthu akhaliretu wopanda nkhawa zokhudza ndalama. Kodi anthu azingokhalabe ndi nkhawa ya zandalama mpaka kalekale? Kodi umphawi udzatha? Nkhani yotsatirayi iyankha mafunso amenewa.

[Mawu Otsindika patsamba 5]

Mukamagula zinthu, muziganizira ndalama zimene mumapeza

[Mawu Otsindika patsamba 5]

Muzidziwa kusiyanitsa zinthu zofunika ndi zosafunikira

[Mawu Otsindika patsamba 6]

Moyo wa munthu sufuna zambiri kuposa chakudya, zovala ndi malo ogona

 [Bokosi/Chithunzi patsamba 7]

PHUNZITSANI ANA ANU KUGWIRITSIRA NTCHITO BWINO NDALAMA

Akatswiri a zachuma akulimbikitsa makolo kuti aziphunzitsa ana awo kugwiritsira ntchito bwino ndalama, chifukwa makolo ambiri akukumana ndi mavuto a zachuma. Ana ambiri sadziwa kuti ndalama zimavuta kupeza. Mwachitsanzo, mutawafunsa kuti anene kumene ndalama zimapezeka, ambiri angakuyankheni kuti zimachokera kwa bambo awo kapena kubanki. Mutaphunzitsa ana anu kugwiritsira ntchito bwino ndalama, kugula zinthu zofunika zokha, kusunga ndalama ndiponso kukhala ndi njira yopezera ndalama, mungawathandize kuti asamavutike ndi ngongole ndiponso kuti asakhale akapolo a ndalama. Yesani njira zotsatirazi:

1. Khalani chitsanzo chabwino. Nthawi zambiri, ana amatsanzira zochita osati zonena za makolo awo.

2. Musamangogula zilizonse. Kambiranani ndi ana anu zimene inuyo ndiponso anawo akufunika kugula. Ngati akufuna kugula zinthu zosafunika muziwakaniza ndipo mukawakaniza musamasinthe maganizo.

3. Aloleni kugula okha zinthu zawo. Ngati mumawapatsa ndalama kapena amalandira ndalama kuntchito, apatseni malangizo a mmene angagwiritsire ntchito ndalamazo. Ndipo aloleni kuti asankhe okha mmene angagwiritsire ntchito ndalama zawo.

4. Aphunzitseni kugawira ena. Limbikitsani ana anu kugawira ena ndalama zimene ali nazo ndiponso kuti nthawi zonse azisunga ndalama zina zopereka ku mpingo.