Ukulawula Indlela Osebenzisa Ngayo Imali

INSELELE

Uma ubheka isitatimende sasebhange nezikweletu zakho, kwenza kubonakale sengathi imali yakho ifakwe ebhakedeni elivuzayo. Nisanda kushada, futhi anikwazi ukulawula indlela enisebenzisa ngayo imali. Ingabe kufanele usole oshade naye? Ungagijimeli kulokho! Bambisanani futhi nicabange ngezingibe okungenzeka ukuthi nobabili zinifake kulolu bishi.a

IZIMBANGELA

Izinguquko. Uma wawuhlala ekhaya ngaphambi kokuba ushade, kungenzeka awukajwayelani nokukhokha izikweletu nokuhlanganyela izindleko nomunye. Kungenzeka nokuthi wena noshade naye ninombono ongefani ngendlela yokusebenzisa imali. Ngokwesibonelo, kungenzeka omunye uthambekele kakhulu ekuyisebenziseni kuyilapho omunye ethambekele ekuyilondolozeni. Kuthatha isikhathi ukuba abashadile benze izinguquko futhi bathole indlela yokusebenzisa imali abavumelana ngayo.

Ukuhlehlisa izinto. UJim, manje osengusomabhizinisi ochumayo, uyavuma ukuthi lapho esanda kushada, ukungakwazi kwakhe ukuhlela izinto kwamlimaza kakhulu. Uthi, “Ngenxa yokuthi ngangingasheshi ukukhokha izikweletu, mina nomkami sagcina sesichithe izinkulungwane zama-dollar sikhokha inhlawulo. Imali yasiphelela!”

Ugibe lokusebenzisa “imali ongayiboni.” Kulula ukusaphaza imali uma ungayiboni iphuma esikhwameni. Kungaba njalo uma izinto eziningi uzikhokhela ngekhadi lesikweletu noma ikhadi lasebhange, uthenga nge-Internet noma usebenzisa ibhange nge-Internet. Ugibe lokuboleka imali kalula, nalo lungenza abasanda kushada bayisaphaze imali.

Kunoma yikuphi, izindaba zemali zingabangela izinkinga ezinkulu emshadweni. Incwadi ethi Fighting for Your Marriage ithi: “Imibhangqwana eminingi ibika ukuthi imali iyinkinga ehamba phambili, kungakhathaliseki ukuthi inemali engakanani. Imali iyimbangela eyinhloko yezingxabano.”

ENINGAKWENZA

Zimiseleni ukubambisana. Esikhundleni sokugxekana, bambisanani ukuze nikwazi ukusebenzisa kahle imali. Nqumani zibekwa nje ukuthi ngeke nizivumele izinkinga zemali zinixabanise.—Isimiso seBhayibheli: Efesu 4:32.

Hlelani indlela enizosebenzisa ngayo imali. Bhalani phansi zonke izindleko zenyanga, kungakhathaliseki ukuthi zincane kangakanani. Lokho kuzonisiza nibone ukuthi imali yenu niyisebenzisa kanjani futhi nibone uma kunezindleko ezingadingekile. UJim ocashunwe ngaphambili uthi: “Kufanele nigweme ukusaphaza imali.”

Yenzani uhlu lwezindleko ezidingekayo, kuhlanganise ukudla, izingubo zokugqoka, ukukhokhela indawo yokuhlala noma indlu, ukukhokhela imoto nezinto ezifana nalezo. Bhalani ‘inani lezindleko’ eceleni kwento ngayinye, nibonise ukuthi izobiza kanjani phakathi nesikhathi enisihlelile, mhlawumbe inyanga.—Isimiso seBhayibheli: Luka 14:28.

Inyanga ngayinye bekani eceleni imali yezindleko zento ngayinye okufanele niyikhokhele (ukudla, indawo yokuhlala, uphethiloli nokunye). Abanye benza lokhu ngokufaka imali ezimvilophini, imvilophi ngayinye ibhalwe ukuthi eyokukhokhelani.b Uma imali esemvilophini yento ethile isiphelile, leyo nto ayibe isathengwa noma kubolekwa kwenye imvilophi.

Hlolisisani umbono wenu ngokuba nezinto. Injabulo ayincikile ekubeni nezinto zamuva. Kakade uJesu wathi: “Ngisho nalapho umuntu enensada ukuphila kwakhe akuveli ezintweni anazo.” (Luka 12:15) Ngokuvamile, indlela osebenzisa ngayo imali iyabonisa ukuthi uyawakholelwa yini lawo mazwi noma cha.—Isimiso seBhayibheli: 1 Thimothewu 6:8.

Yenzani izinguquko. U-Aaron, oneminyaka emibili eshadile uthi: “Izinto ezinjengomabonakude abanezinhlelo ezikhokhelwayo nokuyodla ezitolo kungase kubonakale kungabizi ekuqaleni, kodwa kungase kunilimaze ngokwezimali ngokuhamba kwesikhathi. Kwadingeka ukuba sizifundise ukuzincisha ezinye izinto ukuze sikwazi ukuphila ngemali esinayo.”