UNGAMELANA NJANI NOKUNYUKA KWAMAXABISO?

Yisebenzise Kakuhle Imali Yakho

Ukudura kwezinto kubangela iingxaki kuthi sonke. Kodwa ke, loo nto ayithethi kuthi awunakuncedakala. Zingakhona izinto onokuzenza ukuze uncedakale.

KUTHENI KUBALULEKILE UKUYISEBENZISA KAKUHLE IMALI YAKHO?

Ukuba awuyisebenzisi ngobulumko imali yakho loo nto inokuzandisa iingxaki zakho zemali uze ube nestres namaxhala. Nokuba awunamali eninzi zikhona izinto onokuzenza ukuze uyisebenzise kakuhle imali yakho.

INTO ONOKUYENZA

Phila Ngale Mali Unayo. Xa uphila ngemali onayo, uza kuziva uzolile, ibe uza kukwazi nokubhatala izinto ezivele zathi gqi ungazilindelanga.

Ukuze ukwazi ukuphila ngemali onayo, yenza ibhajethi —ezakubonisa imali ozakuyifumana nemali ozakuyisebenzisa. Njengoko usenza ibhajethi yakho cingisisa kakhulu ngezona zinto ozidingayo uze uzame ngamandla akho onke ukuyilandela loo bhajethi, mane uyitshintsha njengoko amaxabiso ezinto etshintsha nemali oyifumanayo itshintsha. Kakade ke, ukuba utshatile lwenze nomntu otshate naye olo tshintsho.

Khawuzame le nto: Endaweni yokuthenga ngetyala, xa unako thenga ngemali onayo. Ngokwenza oku abanye baye babona ukuba ukuyisebenzisa kanje imali kuye kwabanceda ababinamatyala. Enye into, kukhuthalele ukumane ujonga istatement sakho sebhanki. Xa usazi ukuba unamalini ebhankini yakho uzakutsho ukwazi ukuceba indlela ozakuyisebenzisa ngayo loo mali, xa usenza loo nto awuzokuba nestres kangako.

Ukuphila ngemali onayo akukho lula. Kodwa ibhajethi ecingisiswe kakuhle nesebenzisekayo inokuba luncedo kakhulu. Inokukunceda ungazixhalabisi kakhulu ngemali.

‘Bala iindleko.’—Luka 14:28

Sebenza nzima ukuze ugcine umsebenzi wakho. Ziintoni onokuzenza ukuze ugcine umsebenzi wakho? Nazi ezimbalwa: Bamba ixesha. Wuthande umsebenzi wakho. Sebenza nzima, uze uncede nabanye. Yiba nentlonipho. Thobela imithetho, uze uqhubeke uphucula indlela owenza ngayo umsebenzi wakho.

Sukuthenga izinto ezingeyomfuneko. Khawuzibuze, ‘Ngaba ndisoloko ndisebenzisa imali ukuze ndithenge izinto eziduru?’ Ngokomzekelo, abanye abantu bayisebenzisa kakubi imali yabo abayisebenzele nzima, ngokusebenzisa iziyobisi, ukugemblisha, ukutshaya okanye ukusela kakhulu. Zonke ezi zinto zinokubabangela bagule baze baphelelwe ngumsebenzi.

‘Wonwabile umntu ofumene ubulumko . . . ubulumko bubhetele kunokufumana isilivere.’—IMizekeliso 3:13, 14.

Gcina imali onokuyisebenzisa xa kuvela iingxaki. Xa unako, mane ubeka imali ecaleni ozakuyisebenzisa xa kuvela iingxaki ungazilindelanga. Le mali ingakunceda ungabina stres xa wena okanye ilungu lakho lentsapho ligula ningalindelanga, omnye wenu elahlekelwa ngumsebenzi okanye kuvela nezinye iingxaki ebeningazilindelanga.

‘Kuba sonke sehlelwa lixesha naziziganeko ezingalindelekanga’—INtshumayeli 9:11.

Amacebiso Okonga Imali

Ziqhelise ukutya okuphekwe ekhaya.

Ungazibona sele usebenzise imali eninzi xa usoloko usitya kwiindawo zokutyela okanye usoloko uthenga ukutya okusele kuphekiwe nokuthenga iidrinki. Yinyaniso kona ukuba ukupheka ngumsebenzi kwaye kuthatha ixesha, kodwa kuza kukunceda ukwazi ukonga imali eninzi. Enye into xa uziphekela uyakwazi ukuqiniseka ukuba upheka ukutya okusempilweni.

Cinga ngaphambi kokuba uthenge.

Bhala phantsi izinto oza kuzithenga, uze uqiniseke ukuba uthenga zona zodwa. Sukufuna ukuthenga yonke into le uyibonayo.
Ukuba kunokwenzeka, kwimali ozimisele ukuyisebenzisa kuloo nyanga thenga izinto ngobuninzi ukuba amaxabiso azo ehlisiwe. Qiniseka ukuba unayo indawo yokugcina ukutya okunokumoshakala lula.
Khawuzame ukuthenga izinto ezinegama lalo venkile, ezidla ngokufikeleleka nezisemgangathweni.
Thenga kwi-intanethi ukuze ukwazi ukufumana izinto ezinamaxabiso aphantsi, ukuze ukuphephe ukuthenga izinto obungazimiselanga ukuzithenga njengoko ubunokwenza ukuba ubuse venkileni. Le nto iza kukunceda ukwazi ukuyisebenzisa kakuhle imali yakho. Kungakuhle uthenge kwi-intanethi ukuba likhona ilungiselelo elinjalo kwiLizwe ohlala kulo.
Khangela xa amaxabiso ezinto ehlile okanye xa kukho izaphulelo. Jonga indlela owusebenzisa ngayo umbane, amanzi nezinye izinto.

Cinga ngaphambi kokuba uthenge izinto ezintsha.

Iinkampani ezenza iifowuni nezinye izixhobo zisoloko zisenza zize zikhuphe izinto ezintsha ukuze zenze imali engakumbi. Ngoko zibuze: ‘Ngaba nyhani kuza kundinceda ukuthenga isixhobo esitsha? Ngaba ndimele ndisithenge ngoku? Ukuba ke ndiyasithenga, ngaba ndidinga esitsha esisandokukhutshwa?’

Zilungise uze uphinde uzisebenzise izinto onazo.

Ziphathe kakuhle izinto onazo ezinjengefriji nezitovu ukuze zisebenze ixesha elide ibe xa zimoshakala zilungise ukuba phofu loo nto ayizukubangela ukuba usebenzise imali eninzi. Enye indlela yokonga imali kukuthenga izinto ebezisetyenziswa ngabanye abantu.

Zilimele ukutya.

Ngaba ungakhangela indawo onokuyenza igadi ukuze uzilimele ukutya? Le nto iza kukunceda ungasebenzisi mali eninzi xa uthenga ukutya, ibe ungakwazi ukuthengisa, okanye uphe abanye kwizinto ozilimileyo.

“Amacebo omntu okhutheleyo aza kumenza aphumelele ngokuqinisekileyo.”—IMizekeliso 21:5.

“Siyawagada amaxabiso okutya esiqhele ukukuthenga ibe siyayijonga nendlela esiyisebenzisa ngayo icredit card 0yethu.”—UMiles, wase-England.

“Ngaphambi kokuba mna nentsapho yam siyokuthenga ukutya esikusebenzisa endlini siye siqale sibhale phantsi izinto esiza kuzithenga.”—UJeremy, waseU.S.A.

“Siye simane siyitshintsha ibhajethi yethu ukuze siqiniseke ukuba sisakwazi ukuzifikelela izinto esifuna ukuzithenga, ibe sigcina nemali eza kusinceda xa kuvela into engalindelekanga.”—UYael, waseIsrael.

“Sifundise abantwana bethu ukuba bazilungise izinto ezimoshakeleyo endaweni yokuthenga ezintsha. Oku kuquka imoto nezinye izinto esinazo endlini. Mna nenkosikazi sizama ukungazithengi izinto ezintsha ezisandokukhutshwa.”—UJeffrey, waseU.S.A.

“Andisasebenzisi imali eninzi ngoku kuba ndilime iveji ibe ndifuye neenkukhu. Ndiyakwazi nokubapha iveji endiyilimileyo abanye abantu.”—UHono, waseMyanmar.