Indlela Yokuphila Ubomi Obulula

UKUZE uphile ubomi obulula kufuneka ucebe kakuhle. UYesu wayibethelela imfuneko yoko. Wabuza wathi: “Ngubani na kuni othi efuna ukwakha inqaba angahlali phantsi kuqala, abale indleko, ukuze abone ukuba unokwaneleyo kusini na kokuyigqiba?” (Luka 14:28, 29) Usebenzisa lo mgaqo, unokuphila ngaloo mali unayo ngokwenza uqingqo-mali. Unokukwenza njani oko? Zama oku:

Xa ufumene umvuzo, bekela bucala imali oza kuhlawula ngayo iindleko ezahlukahlukeneyo ngoku okanye kamva. (Sicela ufunde ibhokisi ekwiphepha 8.) Xa usazi ukuba imali uyisebenzisela ntoni uza kuyazi ukuba ingakanani imali oyichitha kwizinto ezingabalulekanga. Oko kuza kukunceda ubone indlela onokubenza lula ngayo ubomi bakho.

Ukuze wenze uqingqo-mali olulungele wena, sebenzisa la macebiso alandelayo.

Sebenzisa Ubulumko Xa Uthenga

Emva kokuba uRaúl ephelelwe ngumsebenzi, inkosikazi yakhe uBertha yatshintsha indlela ethenga ngayo. Ithi: “Ndandikhangela amatikiti esaphulelo neevenkile ezithengisa izinto ezimbini ngexabiso lento enye.” Nanga amanye amacebiso:

● Xa uthenga ukutya kweveki thenga izinto ezinexabiso eliphantsi.

● Thenga izinto oza kuzipheka kunokuthenga ukutya okusele kuvuthiwe.

● Zithenge zibe ninzi izinto ezithengiswa ngexabiso eliphantsi.

● Thenga izixa ezikhulu kodwa ulumke ungathengi izinto ezininzi eziza kukhawuleza zonakale.

● Yonga imali ngokuthenga iimpahla ezisemgangathweni ezisele zisetyenzisiwe kwiivenkile ezizithengisayo.

● Thenga kwiindawo ezinamaxabiso aphantsi xa kungazi kuba ziindleko ezongezelelekileyo ukuya kwezo ndawo.

● Musa ukuquqa ubuyelela evenkileni.a

Bhala Phantsi

UFred uthi: “Siye sayibhala phantsi indlela esiza kuyisebenzisa ngayo imali, kangangokuba ndiye ndagcina ingxelo yezinto ekufuneka sizihlawule ngoko nangoko nemali esimele sibe nayo ebudeni benyanga.” Inkosikazi yakhe uAdele, yongezelela isithi: “Ndandiyazi kakuhle imali ekufuneka ndiyisebenzise xa ndiye emarikeni. Maxa wambi xa kufuneke ndithenge izinto zabantwana okanye ezendlu ndiye ndijonge uqingqo-mali ndize ndicinge: ‘Andinakukwazi ukuyithenga, ngenxa yoko kuza kufuneka ndilinde de kube yinyanga elandelayo.’ Ukubhala phantsi kuye kwandinceda!”

Cinga Ngaphambi Kokuba Uthenge

Ziqhelise ukuzibuza: ‘Ngaba iyimfuneko le nto? Ngaba into yam endala yonakele nyhani okanye ndifuna nje ukuthenga into entsha?’ Ukuba andizokuyisebenzisa rhoqo loo nto, ngaba andinakumane ndiyiboleka? Okanye ukuba ndiza kusoloko ndiyisebenzisa, ngaba andinakuthenga esele isetyenzisiwe esebenza kakuhle?

Nangona ezi zinto zingasentla zisenokubonakala zingabalulekanga zinokwenza umahluko omkhulu! Ingongoma isekubeni, ukuba songa kwakwizinto ezincinane siya kwenza okufanayo nakwizinto ezinkulu.

Cinga Ngeendlela Zokonga

Cinga ngeendlela onokukuphepha ngazo ukuthenga izinto ezingabalulekanga. Ngokomzekelo, uAdele uthi: “Sasineemoto ezimbini kodwa enye sayithengisa yaye xa siza kuhamba sikhwelisa abanye abantu. Ukuze songe amafutha, sasicinga ngayo yonke into ekufuneka siyenze ngaphambi kokuba sihambe. Siye sithenge izinto eziyimfuneko kuphela ngemali. Nazi ezinye iindlela onokonga ngazo.

● Yiba nesitiya oza kukhulisa kuso imifuno.

● Ukuze izinto zakho zombane zihlale ixesha elide, landela ulwalathiso lwendlela yokuzigcina yomenzi wazo.

● Khawuleza utshintshe into oyinxibileyo emva nje kokuba ufikile ekhaya—oko kuya kuzigcina iimpahla zikhangeleka zintsha kangangexesha elide.

Musa Ukuzikhetha!

Abantu abaninzi abaphelelwa ngumsebenzi baba neentloni baze bazikhethe. Kodwa uFred akazange ayenze loo nto! Intsapho yakhe yavelana naye kuquka nabantwana bakhe abasele bezimele. Uthi: “Safunda ukwabelana ngezinto esinazo yaye loo nto isenze sasondelelana. Sasivakalelwa kukuba sisonke kule meko.”

Kwakhona uFred womelezwa ngamanye amaKristu adibana nawo rhoqo kwiHolo yoBukumkani yamaNgqina kaYehova. Uthi: “Emva kokuqukunjelwa kweentlanganiso zethu zamaKristu ndandisoloko ndiziva ndikhuthazekile. Bonke babenobubele nolwazelelelo. Ngenxa yokuncedwa nokuthuthuzelwa ngabo siye sabona ukuba ayisithi sedwa abakule meko.”—Yohane 13:35.

Ukuba Nokholo Kuyanceda

Izigidi zabantu abaphelelwe ngumsebenzi baye bacaphuka kuba bevakalelwa kukuba bangcatshiwe ngabaqeshi babo. URaúl ebekukhe kwathethwa ngaye, intliziyo yakhe yayilihlwili xa wathi engalindelanga waphelelwa ngumsebenzi kabini—okokuqala elizweni lakowabo ePeru nakwisiXeko saseNew York. Emva kokuphelelwa ngumsebenzi okwesibini uRaúl wathi: “Kwihlabathi lanamhlanje akukho nto iqinisekileyo.” Kwaqengqeleka iinyanga engade afumane msebenzi. Yintoni eyamnceda akwazi ukuhlangabezana naloo meko? URaúl wathi: “Ndazakhela ubuhlobo obusondeleyo noThixo yaye ndaqonda ukuba ukuze ndifumane unqabiseko lokwenene ndifanele nje ndithembele kuye.”

URaúl liNgqina likaYehova yaye ukufunda iBhayibhile kuye kwamnceda waba nokholo olomeleleyo kuBawo wasezulwini onenkathalo, othembisa oku: “Andiyi kuze ndikushiye, ndingayi kuze ndikutyeshele.” (Hebhere 13:5) Izinto zazingekho lula. Uthi: “Besidla ngokuthandazela izinto ezisisiseko yaye sifunde ukuvuyiswa yiloo nto uThixo asinika yona.” Inkosikazi kaRaúl, uBertha wongezelela athi: “Maxa wambi ndandisiba nexhala ndizibuza enoba uRaúl uya kuze awufumane na umsebenzi. Kodwa sabona ukuba uYehova uyayiphendula imithandazo yethu kuba suku ngalunye wayesinyamekela. Ngaloo ndlela, nangona singenazinto zininzi njengangaphambili, siphila ubomi obulula.”

Kuba uFred eliNgqina likaYehova ukufunda kwakhe iBhayibhile kuye kwayichaphazela indlela amelana ngayo nemeko akuyo. Uthi: “Maxa wambi siziva sinqabisekile xa sisebenza, sikwisikhundla esithile okanye sineakhawunti yebhanki. Kodwa ndifunde ukuba ekuphela konqabiseko esinokulufumana loluvela kuYehova uThixo yaye xa singabahlobo bakhe siya kuziva sinqabisekile ngokwenene.”b

[Imibhalo esemazantsi]

[Amagama acatshulweyo akwiphepha 9]

“Besidla ngokuthandazela izinto ezisisiseko yaye sifunde ukuvuyiswa yiloo nto uThixo asinika yona”

[Ibhokisi/Isicangca esikwiphepha 8]

Indlela Yokuqingqa Imali

(1) Zibhale phantsi iindleko zakho zenyanga nganye. Gcina ingxelo yenyanga yemali oyichithe ekuthengeni ukutya, indlu (ekuhlawuleni irenti), iindleko zokuphila, iindleko zemoto nezinye izinto ezibalulekileyo. Iindleko ezihlawulwa ngonyaka zahlule nge-12 ukuze ufumane imali oyihlawula nyanga nganye.

(2) Zidwelise iindleko ngokweendidi zazo. Ezi ziquka iindleko zokutya, indlu, ezemoto, ezokuhamba nezezinye izinto.

(3) Bala ukuba ingakanani imali efanele igcinwe nyanga nganye ukuze kuhlawulwe ezo ndleko. Ufanele ‘ubale’ ukuba yimalini efanele ibekelwe bucala nyanga nganye ukuze kuhlawulwe iindleko ezihlawulwa ngonyaka.

(4) Bhala phantsi umvuzo ofunyanwa ngabantu bonke abasebenzayo endlwini yakho. Ungayibali imali yerhafu. Thelekisa loo mali neendleko zakho.

(5) Yiba nemali oyibeka ecaleni nyanga nganye oza kuhlawula ngayo iindleko zakho. Ukuba uhlawula ngemali, yifake kwiimvulophu zento nganye oza kuyihlawula. Faka imali rhoqo kwimvulophu yento nganye ekufuneka ihlawulwe.

Nasi Isilumkiso: Ukuba usebenzisa ikhadi lokuthenga ngetyala, lisebenzise kakuhle! Abantu abaninzi abacingi ngaphambi kokuba bathenge ngenxa yokuba balingelwa ekubeni bathenge ngoku baze bahlawule kamva.

[Isicangca]

(Ukuba ufuna inkcazelo ehlahlelwe kakuhle, yiya kwimpapasho)

Umvuzo Wenyanga

UMVUZO WENYANGA R․․․․․ ENYE IMALI ENGENAYO R․․․․․

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R․․․․․ Irenti Okanye Ityala Lendlu R․․․․․

R․․․․․ I-ishorensi/Irhafu R․․․․․

R․․․․․ Iindleko Zokuphila R․․․․․

R․․․․․ Iindleko Zemoto R․․․․․

R․․․․․ Iindleko Zokuzonwabiso/Iindleko Zohambo R․․․․․

R․․․․․ Indleko Zefowuni R․․․․․

R․․․․․ Iindleko Zokutya R․․․․․

R․․․․․ Ezinye Iindleko R․․․․․

IMALI EQINGQIWEYO XA IYONKE IINDLEKO XA ZIZONKE

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Thelekisa Umvuzo Kunye Neendleko

KUMVUZO WENYANGA R․․․․․

THABATHA− IMALI ESALAYO

IINDLEKO ZENYANGA R․․․․․ R․․․․․