Xa ujonga imali esele ebhankini namatyala onawo ufumanise ukuba imali yakho ithi shwaka oku kwesanti esesandleni. Unethutyana elingephi utshatile, kodwa imali yenu ayihlali. Ngaba ingxaki liqabane lakho? Ungakhawulez’ utsho! Nobabini cingani ngezinto ezisenokuba zibangele ukuba nibe kule ngxaki. *

Utshintsho. Ukuba ubuhlala ekhaya ngaphambi kokuba utshate, uya kuba uyaziqala izinto ezinjengokuhlawula amatyala nokwenza inkcitho. Kwakhona, kusenokwenzeka ukuba wena neqabane lakho aniyisebenzisi ngendlela efanayo imali. Ngokomzekelo, omnye wenu usenokuba uqhelene nokudyiwaza ngemali ngoxa omnye esonga. Kuthath’ ixesha ngamaqabane ukutshintsha aze avumelane ngendlela entsha yokusebenzisa imali.

Ukulibazisa. UJim ongusomashishini ophum’ izandla uyavuma ukuba xa wayesandul’ ukutshata, walahlekelwa yimali eninzi ngenxa yokuzibekel’ amangomso izinto. “Ngenxa yokungawabhatali kwangoko amatyala mna nowakwam saphetha sesibhatala inzala engamawaka eerandi. Saphelelwa yimali!”

Umgibe wokuthenga ngamakhadi. Kulula ukudyiwaza xa ungayiboni imali. Loo nto yenzeka kakhulu xa usebenzisa ikhadi lebhanki, okanye uthenga ngeIntanethi. Namhlanje kulula ukuboleka imali, ibe loo nto inokwenza kube lula ngabo basandul’ ukutshata ukuthenga kakhulu.

Noba nguwuphi unobangela, imali inokwenza kubekho ingxaki emtshatweni. Incwadi iFighting for Your Marriage ithi: “Izibini ezininzi ziyichaza imali njengengxaki ephala phambili, enoba ingakanani na. Yimali eyenza kubekho iingxabano entsatsheni.”

Thetha-thethani. Endaweni yokutyholana, bonisanani ngendlela eninokuyilungisa ngayo le ngxaki. Zisuka nje yenzani isivumelwano sokuba anizukuvumela le ngxaki inixabanise.—Umgaqo weBhayibhile: Efese 4:32.

Cebani kusengaphambili. Bhalani phantsi zonke iindleko zenu zenyanga, enoba zincinci kangakanani na. Loo nto iya kuninceda nazi apho imali yenu iphelela khona nize nibone nezinto ezingeyomfuneko. UJim ebekuthethwe ngaye ngaphambili uthi: “Kwezamayeza kukho intetho ethi, livale inxeba lingophi. Eli cebiso linganceda nakule meko.”

Dwelisani iindleko eziyimfuneko, njengokutya, impahla, irenti, ukuhlawula imoto nezinye izinto ezifana nezi. Bhalani ‘ixabiso’ lento nganye efunekayo, ukuze nibone ukuba iza kunibiza malini emva kwexesha elithile, mhlawumbi ngenyanga.—Umgaqo weBhayibhile: Luka 14:28.

Bekelani bucala imali yenyanga nenyanga yezinto enizifunayo (ukutya, irenti, ipetroli, nezinye). Abanye badla ngokuyifaka kwiimvulophu, baze bayahlule ngokwezinto abaza kuzithenga. * Ukuba imali esemvulophini ethile iyaphela, badla ngokuyeka ukuthenga izinto ebekelwe zona imali ekuloo mvulophu okanye bathathe kwenye imvulophu.

Phucula indlela ocinga ngayo. Ulonwabo aluphumi kwizinto zakho ezintsha. Ngapha koko, uYesu wathi: “Kwanaxa umntu enentabalala ubomi bakhe abuphumi kwizinto anazo.” (Luka 12:15) Ukukholelwa kwakho la mazwi kudla ngokubonakala kwindlela othenga ngayo.—Umgaqo weBhayibhile: 1 Timoti 6:8.

Hlengahlengisa. UAaron osele eneminyaka emibini etshatile uthi: “Izinto ezinjengesitishi seTV esineenkqubo ezininzi ekufuneka uzihlawulele nokutya ngaphandle zisenokubonakala zingeyongxaki ekuqaleni, kodwa zisenokuba yiyo ekuhambeni kwexesha. Kuye kwafuneka sifunde ukuzinqanda kwezinye izinto ukuze singadyiwazi ngemali.”