Ngaba Ukhetha Ukulondoloza Imali Yakho Okanye Ubomi Bakho?
Kusenokwenzeka ukuba uye weva ngezihange eziye zalatha ixhoba lazo ebusweni ngemipu, zibanga zisithi: “Londoloza imali yakho okanye ubomi bakho!” Namhlanje, eli bango laziwayo libonakala kwingxaki enkulu sonke esijamelene nayo—ingakumbi abo baphila kumazwe afumileyo. Noko ke, ngoku ayisosihange esenza elo bango. Kunoko, kukugxininisa okwandayo kwebutho labantu kwimali nokuphumelela ngokwezinto eziphathekayo.
UKUGXININISA okunjalo kuye kwaphakamisa imibandela emitsha kwaza kwabangela inkxalabo. Imali nezinto eziphathekayo zimele zisukelwe ukusa kuwuphi umkhamo? Ngaba sinokwanela kokuncinane? Ngaba abantu bancama “ubomi benene” ngenxa yokuthanda izinto eziphathekayo? Ngaba imali ikhokelela kubomi obonwabileyo?
Ukuthi Phithi Yimali
Phakathi kwezinto umntu azinqwenelayo—ezisemthethweni okanye ezingenjalo—ukuthanda imali kunkqenkqeza phambili. Ngokungafaniyo nokunqwenela isini nokutya, ukuthi phithi yimali kusenokuhlala kukho yaye kungapheli. Akupheliswa kukwaluphala. Kwiimeko ezininzi eneneni ukwaluphala kusenokubangela umntu abe nomdla ongakumbi okanye axhalabele imali nezinto enokuzithenga.
Ukubawa kubonakala kusanda. Umdlali ophambili komnye umfanekiso oshukumayo odumileyo wathi: “Ukubawa kuyaphumelela. Ukubawa kuyingenelo.” Nangona abaninzi bebhekisela kwiminyaka yowe-1980 njengeXesha Lokubawa, oko kwenzekayo ngaphambi nasemva koko kubonisa ukuba indlela umntu ayisebenzisa ngayo imali iye yatshintsha ukutyhubela iminyaka.
Into ekusenokwenzeka ukuba intsha kubantu abaninzi kukuba babona amathuba okuwanelisa ngoko nangoko umnqweno wokuba nezinto eziphathekayo ezingakumbi. Kubonakala ukuba inkoliso yabantu ichitha ixesha elingakumbi ivelisa yaye iqokelela izinto eziphathekayo ezingakumbi. Unokuvuma ukuba ukuzuza izinto nokuchitha imali kuye kwaba yinto ethandwayo—yaye ngokufuthi yinto esengqondweni—kubomi bezi mini.
Kodwa ngaba abantu bonwabile ngenxa yoko? Ephendula loo mbuzo, uKumkani osisilumko nosisinhanha uSolomon wabhala oku kwiminyaka engama-3 000 eyadlulayo: “Umthandi nje wesilivere akayi kwaneliswa yisilivere, nabani na othanda indyebo akaneliswa yingeniso. Kwanako oku kungamampunge.” (INtshumayeli 5:10) Izifundo zentlalo zale mihla zifundisa into efanayo.
Imali Nolonwabo
Enye yezinto ezimangalisayo eziye zafunyaniswa ngokuphathelele ukuziphatha komntu kukuba ukuqokelela imali nezinto eziphathekayo akuthethi ukuba ubani uya kwaneliseka aze onwabe ngokungakumbi. Into abaphengululi abaye bayiqonda kukuba xa umntu efikelela kwinqanaba elithile lobutyebi, ukwaneliseka nolonwabo lwakhe luxhomekeke kubungakanani bezinto eziphathekayo anazo.
Ngaloo ndlela, ukusukela izinto eziphathekayo nemali ngokugqithiseleyo kushiya abaninzi bezibuza, ‘Kubonakala sinandipha nganye into entsha esiyithengayo; sekunjalo, emva kokuba sizithengile izinto, kutheni olu yolo lungabangeli ulwaneliseko olungakumbi?’
Kwincwadi yakhe ethi Happy People, umbhali uJonathan Freedman wabhala: “Emva kokwamkela imali encinane, imali onayo ayibalulekanga xa kuthethwa ngolonwabo. Ngaphaya kobuhlwempu, ulwalamano phakathi kwemali oyamkelayo nolonwabo luncinane kakhulu.” Abaninzi baye baqonda ukuba okona kubangela ulonwabo lokwenene kukuba ubani abe nobutyebi bokomoya, umsebenzi onenjongo ebomini nemilinganiselo yokuziphatha. Kwakhona okubalulekileyo lulwalamano nabanye abantu nokungabi nazingxabano okanye izinto ezikuthintela ekunandipheni oko unako.
Abaninzi babona unobangela weengxaki zasekuhlaleni ilutyekelo lokuzama ukusebenzisa izinto eziphathekayo ukucombulula izinto ezibakhathazayo. Abanye abagqabazi bezentlalo-ntle bathetha ngesimo sengqondo sokuthanda ukubona okubi kuyo yonke into nokunganeliseki okuxhaphakileyo. Kwakhona baphawula utyekelo lwabantu abakwiindawo ezifumileyo lokuya kwiingcali zokunyanga okanye bafune injongo ebomini noxolo lwengqondo oluvela kwiiguru, kumahlelo nakumaqela okunyanga. Oku kungqinela ukusilela kwezinto eziphathekayo ekongezeni injongo yokwenene yobomi.
Amandla Nokungabi Namandla Kwemali
Kuyavunywa ukuba imali inamandla. Inokuthenga amakhaya amahle, impahla enomtsalane nefanitshala ehlab’ umxhelo. Isenokwenza unconywe, uthobele, okanye ukhohliswe, de ikwenze ube nabahlobo abaliqela bokwexeshana nabafuna ukukwenzela izinto. Kodwa aphelela apho amandla emali. Into esiyifuna ngakumbi, imali engenako ukuyithenga—luthando lomhlobo wokwenene ongumntu, uxolo lwengqondo, ukuthuthuzelwa xa ujamelane nokufa. Yaye kwabo baxabisa ulwalamano lwabo noMdali, imali ayinako ukuthenga inkoliseko kaThixo.
UKumkani uSolomon, owayenazo zonke izinto ezintle ezazinokuthengwa ngemali ngexesha lakhe, waqonda ukuba ukuthembela kwizinto eziphathekayo akukhokeleli kulonwabo oluhlala luhleli. (INtshumayeli 5:12-15) Imali esebhankini isenokumka namanzi ngenxa yokutshona kwebhanki okanye ngenxa yokunyuka kwamaxabiso. Umhlaba nezinto zikabani zinokutshatyalaliswa zizikhukula ezinkulu. Ngoxa i-inshorensi inokubuyisela izinto eziphathekayo ezonakeleyo ayinakukwazi ukubuyekeza umonakalo weemvakalelo. Izabelo zoshishino kunye neebond zinokuphelelwa lixabiso ngephanyazo nje ngenxa yokudodobala kwezoqoqosho. Kwanomsebenzi ohlawula kakuhle unokuphela ngequbuliso.
Ngoko ke, sinokuyigcina njani imali ikwindawo yayo? Imali ifanele ibe nayiphi indima ebomini bethu? Nceda uhlolisise lo mbandela ngokubhekele phaya uze ubone indlela onokufumana ngayo into exabiseke ngokwenene—“ubomi benene.”
[Imifanekiso ekwiphepha 4]
Izinto eziphathekayo azizisi lonwabo oluhlala luhleli