Chikondi cha pa Ndalama—Muzu wa Zoipa Zambiri
MBADWO uliwonse ungachite makani kuti waona kufunafuna kwakukulu koposa kwa chinthu chofunidwa koposa pa dziko lapansi—ndalama! Mbadwo uliwonse ungatchule nkhondo zimene unamenya kuti upeze katundu ndi chuma, kaŵirikaŵiri utali wa nkhondoyo ukumadalira pa kuchuluka kwa ndalamazo.
Padziko lonse, anthu mamiliyoni ambiri aphedwa chifukwa cha ndalama. Ana a makolo olemera abedwa ndi kusungidwa kaamba ka dipo—ndalama zimene makolowo adzapereka kuti anawo abwezedwe osavulazidwa. Mikhole yosadziŵa yaberedwa ndalama zimene inasunga kwa moyo wawo wonse ndi akamatule. Nyumba za anthu zafunkhidwa ndi kuthyoledwa chifukwa cha ndalama. Amuna olimba mtima atchedwa “Mpandu Woipitsitsa Wofunidwa ndi Apolisi” chifukwa chakuti anaba ndalama za m’banki mwakuloza mfuti ogwiramo ntchito. Palibe mbadwo umodzi umene unganene kuti ndiwo wokha waona machitidwe ochititsa manyazi ameneŵa. Mwachitsanzo, palibe mbadwo umene unaona kufunafuna ndalama kwaumbombo kopambana kuposa umene unaona waliwongo woipa akupereka bwenzi lake lapamtima, munthu wamkulu woposa onse amene anakhalako, kaamba ka ndalama 30.
Komabe, chakumapeto kwa mbadwo uno, kulondalonda chinthu chogulira zinthu chovuta kupezeka chimenechi, chimene chafotokozedwa ndi wolemba wa ku America kukhala “dola yamphamvuzonse, chinthu chachikulu chokondedwa ndi anthu onse chimenecho,” kwakhala koipa kwambiri kuposa ndi kalelonse. Palibe mbadwo wina umene waona kubera mabanki molimba mtima—ndalama mamiliyoni ambiri zikumatsompholedwa kwa ogwira ntchito yolandira ndi kupereka ndalama m’banki atalozedwa mfuti, osati kokha ndi amuna ndi akazi koma ngakhale ndi achichepere omwe. Kuba koteroko nkofala tsopano kwakuti sikumafalitsidwa kwambiri m’nkhani. Mabungwe osamalira ndalama ambiri alephera kubweza ngongole chifukwa chakuti eni ake aumbombo anagwiritsira ntchito mopanda lamulo mamiliyoni a ndalama za osungitsa kupezera phindu lawo, mwa kutero kutha ndalama za banki ndi kusiya osungitsawo alibiretu ndalama.
Kodi tinganenenji za ogwira ntchito muofesi amakono amene amaba ndalama mamiliyoni ambiri za owalemba ntchito pofuna kuyesa kutsanzira njira ya moyo ya anthu olemera ndi otchuka? Tikhoza kulemba nkhani zambiri za anthu amene amabisala m’makwalala opanda magetsi kuti abere anthu odutsa ndalama zawo za m’zikwama. Ndipo bwanji ponena za kuba masana molimba mtima mwa kuloza mfuti, kumene kumaonedwa ndi ambiri, mikhole ikumaphedwa ndi kuberedwa ndalama? M’malo ena a m’tauni, okhalamo amadandaula kuti: “Siili nkhani yakuti angandibere mondiloza mfuti m’khwalala lathu koma kuti kodi adzandibera kangati.” Ena amanyamula ngakhale ‘ndalama za wakuba’ kuti akondweretse wakubayo, amene angawaleke osawapha. Mwatsoka, mbadwo womalizira uno wa zaka za zana la 20 ukuona kufunafuna ndalama kwankhalwe kopambana kumene dziko silinaonepo.
Mphamvu ya Ndalama m’Banja
Taonani mikangano ya tsiku ndi tsiku pakati pa amuna ndi akazi chifukwa cha ndalama. “Ndalama ndi magineti amene amakopa zokhumudwitsa zonse m’miyoyo yathu,” analemba motero wofufuza wina. “Muyenera kuzindikira mmene inuyo ndi mnzanu wamuukwati mumaonera ndi kugwiritsira ntchito ndalama ngati muti muleke kukangana chifukwa cha izo,” iye anatero. Kaya mabanja ngolemera kapena osauka kapena apakatimpakati, akatswiri ambiri amavomereza kuti okwatirana amakangana kwakukulukulu chifukwa cha ndalama. Wofufuza wina anati: “Kuchuluka kwa mikangano imene imakhudza kugwiritsira ntchito kapena kusunga ndalama kumandidabwitsa.” Mwachitsanzo, talingalirani za olemera kwambiri. Kaŵirikaŵiri wamuukwati woumira amafuna kusunga ndalama zake, pamene kuli kwakuti womwazamwazayo amafuna kuzigwiritsira ntchito. Mosasamala kanthu za kulemera, mkangano umabuka—osati chifukwa cha kusoŵa ndalama koma chifukwa cha kuchuluka kwake. Pali awo amene amakwatira chifukwa cha ndalama, kusangalala ndi moyo wapamwamba, ndipo m’kupita kwanthaŵi kusudzulana kuti apatsidwe malipiro aakulu a chisudzulo.
M’dongosolo lino la zinthu lokhumbitsitsa ndalama, izo zakhala chizindikiro cha mphamvu ndi ulemu waumwini. Kaŵirikaŵiri zimenezi zimayambitsa chidani ngati mkazi amalandira ndalama zochuluka kuposa mwamuna wake. Pamene zinthu zikhala tero, mwamunayo angaone kuti mphamvu yake ndi ulemu zatayika. Nsanje imayamba kuonekera—osati chifukwa cha munthu wina—koma chifukwa cha dola yamphamvuyonse yosiriridwayo imene yalimba mtima kudzawagaŵanitsa. M’kulimbana kwa pakati pa ndalama ndi chikondi, nthaŵi zambiri ndalama zimapambana kotheratu.
Mkhalidwewo umapitiriza motero. Zowonadi “muzu wa zoipa zonse ndiwo chikondi cha pa ndalama.” (1 Timoteo 6:10) Komabe, kusoŵa ndalama kwabweretsa kusauka kwakukulu ndi kuvutika kwa awo amene akhala mikhole ya awo amene akuzilondalonda.
Ndalama, Ndalama Ponseponse
Kaŵirikaŵiri kwanenedwa kuti pamafunikira ndalama kuti mupeze ndalama. Taonani ndalama zambiri—mamiliyoni ambirimbiri—zimene zimawonongedwa pakunyengerera anthu oyembekezera kugula kuti agule zinthu zimene zimaperekedwa ndi osatsa malonda.
Taonani maboma a ku America amene tsopano ali ndi malotale okhala ndi mphotho zomwe zingafikire madola mamiliyoni ambirimbiri kwa opambanawo! Mamiliyoni angapo “sikanthu.” Masiku ano, madola kuyambira pa 50 miliyoni kufika pa 100 miliyoni angapatidwe pa kuchita maere kamodzi kokha osankha wopambana. Kukuonekera ngati kuti ndalama za jackpot sizitha. M’maiko ambiri, malotale aboma akhalako kwa mibadwomibadwo. Anthu athera malipiro a mlungu wonse pa tikiti imodzi yokha kuti apate ndalama zambiri. Mabanja akhala opanda chakudya ndi zovala zokwanira—mmalomwake ndalamazo zimaperekedwa nsembe kwa “mulungu wa mwaŵi.”—Yesaya 65:11.
Taonani mamiliyoni a anthu amene amalingalira zopata ndalama zambiri m’maseŵera otchova juga. Talingalirani za awo amene amayesa kukwaniritsa maloto awo mwa kuchita juga mmalo otchovera juga padziko lonse. Mwa kuponya choseŵerera kamodzi, kusolola khadi limodzi, ndi kukoka kamodzi chogwirira makina otchovera juga, amayembekezera kukwaniritsa maloto awo. Komabe, nthaŵi zonse kumakhala koonekeratu kuti anthu oterowo sangakwaniritse malotowo mwa njira zimenezo.
Motero kulondalonda mosalekeza dola yovuta kupezayo kumapitiriza paliŵiro lalikulu, kuthamangitsa mphepo. Ngakhale kuti ena akundika chuma, mwadzidzidzi apeza kuti m’mphindi imodzi yosayembekezereka, chonse chatha. Pamenepo mawu a Mfumu Solomo wanzeru ayenera kukhala atanthauzo kwambiri kwa iwo: “Ndalama zanu zikhoza kutha panthaŵi imodzi, ngati kuti zamera mapiko ndi kuuluka ngati chiwombankhanga.”—Miyambo 23:5, Today’s English Version.
Malongosoledwe Osiyana
Palibe amene angakane kuti pali awo amene abweretsa mavuto pa iwo eni ndi mabanja awo mwa kuthera ndalama zawo zonse pa juga. Kaŵirikaŵiri amakhala osauka, okhala ndi ndalama zochepa, amene amalandira malipiro ongokwanira kukhalira moyo. Ena ngaulesi ndipo amakonda kutchova juga kufunafuna ndalama zosazigwirira ntchito. Komabe, lerolino, amphaŵi ambiri a m’dziko ali mikhole ya mikhalidwe yomwe sangathe kuilamulira. Awo amene anangophunzira pang’ono kudziŵa kulemba maina awo ngambiri zedi. Kwa ena ambiri, kulephera kwa zachuma kwa kumaloko kwachititsa malipiro awo kukhala ochepa kwambiri. Ngakhale awo amene ali ndi maphunziro apamwamba mapempho awo a ntchito akanidwa. Pamene makampani aakulu akuchepetsa zinthu zimene amapanga chifukwa cha kuchepa kwa ogula, zikwi zambiri za ogwira ntchito amakhala paulova. Kodi amachita motani?
Mwaŵi wakupeza ndalama mwa njira zosawona mtima ungawakope. Iwo angapereke chifukwa chakuti njira iliyonse njabwino malinga ngati upeza zofunikazo. Mkhalidwe wa maganizo wakuti, “Ndidzachita chilichonse kudyetsa banja langa” uli wofala pakati pa amene akuyang’anizana ndi mavuto a chuma. Pali njira zambiri zosawona mtima, uhule wochitidwa ndi akazi, kuba kochitidwa ndi amuna. Kodi kusawona mtima, kuba, kapena kutchova juga—kulondalonda ndalama zosazigwirira ntchito—nkoyeneradi? Dziko ladzaza ndi awo amene amaganiza choncho.
Kodi mumakhulupirira Mlengi Wamkulu, Yehova Mulungu? Uphungu wake ngwakuti mumsenzetse nkhaŵa zanu, kudalira pa chichirikizo chake m’nthaŵi za kusoŵa. Pambuyo pa zaka pafupifupi 25 muutumiki Wachikristu, mtumwi Paulo anakhoza kulemba kuti: “Ndadziŵa ngakhale kupeputsidwa, ndadziŵanso kusefukira; konseko ndi m’zinthu zonse ndaloŵa mwambo wakukhuta, ndiponso wakumva njala; wakusefukira, ndiponso wakusoŵa. Ndikhoza zonse mwa iye wondipatsa mphamvuyo.” (Afilipi 4:12, 13) Mwachionekere, Paulo sanachite njira zosawona mtima pamene anasoŵa, koma anadalira Yehova ndipo anachirikizidwa.
Chotero ngati ndinu wosauka, wosoŵa, musafune phindu losawona mtima. Ndithudi, sikulakwa kupanga ndalama mowona mtima; Yesu mwiniyo anati “wantchito ayenera malipiro ake.” (Luka 10:7, NW) Ndiponso palibe cholakwa ndi kukhala wolemera. Koma musagonjere ku kulolera molakwa mikhalidwe yabwino kuti mupeze zosoŵa zanu. Kulitsani unansi ndi Mlengi wanu Wamkulu, Yehova Mulungu, ndipo dalirani pa iye kukuthandizani kuchita ndi mavuto ndi zothetsa nzeru za moyo. ‘Tayani pa iye nkhaŵa yanu yonse pakuti iye asamalira inu.’—1 Petro 5:6, 7.