TIYEREKEZE kuti pali dilamu lodzaza madzi koma anthu akumatungamo madziwo. Ntchito yanu ndi yoonetsetsa kuti dilamulo lizikhala lodzaza nthawi zonse. Kodi mungatani kuti zimenezi zitheke? Mungafunike kuonetsetsa kuti nthawi zonse munthu akatungamo, muzibwezeretsamo madzi ofanana ndi amene atungidwawo.

Zimenezi n’zofanana ndi zimene mungachite kuti muzigula zinthu mogwirizana ndi ndalama zimene mumapeza. Ndalama zimene mumapeza pa moyo wanu tingaziyerekeze ndi madzi amene mukuthira mu dilamu ndipo ndalama zimene mumagwiritsa ntchito tingaziyerekeze ndi madzi amene akutungidwa. Choncho nkhani yagona pa kuyesetsa kuti ndalama zimene mumagwiritsa ntchito zisamakhale zochuluka kuposa ndalama zimene mumapeza.

Ngakhale zikumveka zosavuta kuchita, koma kwenikweni kuti munthu azigula zinthu mogwirizana ndi ndalama zimene amapeza si nkhani yamasewera. Koma anthu ambiri akhoza kupewa mavuto aakulu azachuma ngati atayesetsa kumatsatira mfundo imeneyi. Kodi munthu angatani kuti akwanitse kuchita zimenezi? Kodi tingapeze kuti malangizo othandiza? Baibulo ndi limene lili ndi malangizo othandiza pa nkhani imeneyi. Tiyeni tikambirane mwachidule malangizo amenewa.

Baibulo lili ndi mfundo zambiri zimene zingakuthandizeni kuti muzigwiritsa ntchito mwanzeru ndalama zimene mumapeza. Tikambirana zochepa mwa mfundo zimenezi. Tikukhulupirira kuti inunso muona kuti mfundo zimenezi zingakuthandizeni kuti muzigwiritsa bwino ntchito ndalama zimene mumapeza.

Muzipanga bajeti.

Kuti mugwiritsire ntchito bwino ndalama zanu mufunika kudziwa kuti ndi ndalama zingati zomwe mumapeza komanso mumazigwiritsa ntchito bwanji. Baibulo limati: “Zolinga za munthu wakhama zimam’pindulira, koma aliyense wopupuluma, ndithu adzasauka.” (Miyambo 21:5) Ena amagawagawa ndalama zawo n’kuziika m’maenivulopu osiyanasiyana atawalemba mawu ngati akuti, “Za chakudya,” “Za lendi” kapenanso “Za zovala.” Kaya inunso mumagwiritsa ntchito njira imeneyi kapena ina, chofunika n’chakuti muzidziwa mmene mumagwiritsira ntchito ndalama zanu ndipo nthawi zonse muzionetsetsa kuti mwagula kaye zinthu zofunika kwambiri.

Pewani kusirira.

Anthu ambiri m’mayiko osauka amalakalaka atakhala ndi zinthu zimene anthu omwe ali mayiko olemera ali nazo. Komanso anthu ambiri amafuna atakhala ndi zinthu zimene aneba awo akuwanyaditsa. Koma maganizo amenewa angamulowetse munthu m’mavuto chifukwa n’kutheka kuti zinthu zimene anebawo ali nazo anazigula pangongole ndipo akuvutika kwambiri kuti abweze ngongoleyo. Ndiye kodi mukuganiza kuti  zingakhale zanzeru kuti inuyo mulowe m’mavuto azachuma chifukwa chotsanzira munthu amene anachita zinthu zopanda nzeru? Baibulo limachenjeza kuti: “Munthu wolakalaka chuma afuna kulemera msanga, sadziwa kuti njala idzam’gwera.”​—Miyambo 28:22; Malembo Oyera.

Muzikhala moyo wosalira zambiri.

Yesu analangiza ophunzira ake kuti azikhala ndi “diso lolunjika pa chinthu chimodzi.” (Mateyu 6:22) Kulakalaka mutamadya nyama tsiku lililonse komanso zakumwa zoziziritsa kukhosi pomwe zimene mungakwanitse ndi ndiwo zamasamba ndi madzi basi, kungachititse kuti mulowe m’mavuto azachuma. Malinga ndi zimene lipoti la banki ina linanena (Asian Development Bank), pafupifupi hafu ya anthu a ku Philippines ndiponso kuposa hafu ya anthu a ku India, amagwiritsa ntchito ndalama zochepa kwambiri pa tsiku, zongokwana madola 1.35 a ku America. Ndalama zimenezi ndi zochepa kwambiri moti ku Asia akati munthu ndi wosaukitsitsa amagwiritsa ntchito ndalama zimenezi pa zofunika zake zonse za tsiku ndi tsiku. Kwa anthu amene amapeza ndalama zochepa ngati amenewa, ndi bwino kuti akamagula zinthu aziyambira zimene zili zofunika kwambiri. Komabe mfundo imeneyi, ingathandizenso anthu a m’mayiko olemera kuti asagwere m’mavuto azachuma.

Muzigula zinthu zimene mukufunikiradi.

Malangizo amenewa ndi ogwirizana kwambiri ndi mfundo yakuti tizikhala moyo wosalira zambiri. Palemba la 1 Timoteyo 6:8 pali malangizo akuti: “Pokhala ndi chakudya, zovala ndi pogona, tikhale okhutira ndi zinthu zimenezi.” Ena mwa anthu amene ndi osangalala kwambiri padzikoli ali ndi ndalama zochepa koma amakhutira ndi zinthu zimene ali nazo. Amakhalanso osangalala chifukwa ali ndi achibale komanso mabwenzi amene amakondana nawo.​—Miyambo 15:17.

Musamatenge ngongole chisawawa.

Baibulo silinaname pamene linanena kuti: “Wolemera ndi amene amalamulira anthu osauka, ndipo wobwereka amakhala kapolo wa wobwereketsayo.” (Miyambo 22:7) N’zoona kuti nthawi zina munthu sangathe kupewa ngongole malinga ndi mmene zinthu zilili. Komabe anthu amene amatenga ngongole mwachisawawa n’cholinga chongofuna kugula zinthu zimene akulakalaka atakhala nazo, kawirikawiri zinthu zimawathina ndipo amavutika kuti abweze ngongoleyo. Ndiyetu n’zofunika kusamala kwambiri pa nkhani yogula zinthu pa ngongole.​—2 Mafumu 4:1; Mateyu 18:25.

Muzisunga ndalama pang’onopang’ono musanagule kanthu.

Ngakhale kuti zimaoneka ngati zachikale, ndi bwino kumasunga kaye ndalama musanagule chinthu. Imeneyi ndi njira ina yabwino kwambiri imene ingakuthandizeni kupewa kugwera m’mavuto azachuma. Kuchita zimenezi kumathandiza anthu ambiri kupewa kukhala ndi ngongole. Kumathandizanso kuti musamagule zinthu pa mtengo wokwera chifukwa nthawi zambiri mukagula chinthu pangongole, mumachigula modula. Baibulo limanena kuti nyerere “n’zanzeru” chifukwa “zimasonkhanitsa chakudya chawo m’chilimwe” kuti zidzachigwiritse ntchito m’tsogolo.​—Miyambo 6:6-8; 30:24, 25.

Malangizo a m’Baibulo amene takambiranawa akuoneka kuti ndi abwinodi, koma kodi athandizadi anthu kuti azigula zinthu mogwirizana ndi ndalama zimene amapeza? Tiyeni tione mmene malangizo amenewa athandizira anthu ena kuti zinthu ziziwayendera bwino pa nkhani ya ndalama.

Bambo wina dzina lake Diosdado, yemwe ali ndi ana anayi ananena kuti zikumuvuta kwambiri kupeza zosowa za banja lake chifukwa cha mavuto azachuma amene achitika m’mayiko ambiri posachedwapa.  Koma chomwe chamuthandiza ndi kupanga bajeti. Iye anati: “Ndimachita bajeti pa ndalama iliyonse imene ndimapeza. Kuwonjezera pamenepo, ndimalemba chilichonse chimene ndagula komanso mtengo wake.” Danilo amachitanso chimodzimodzi. Kabizinezi kamene iye ndi mkazi wake ankachita kanagwa chifukwa cha mavuto azachuma. Koma iwo akukwanitsabe kulipirira zinthu zofunika chifukwa amapanga bajeti. Danilo anati: “Timadziwa ndalama zimene timapeza mwezi uliwonse ndipo timadziwanso zimene timawononga polipirira zinthu zina ndi zina. Tikatero, timakambirana bwinobwino kuti tidziwe mmene tingagwiritsire ntchito ndalama zotsalazo pa zinthu zina.”

Pofuna kuti azitha kutsatira bajeti yawo, anthu ena anaona kuti ndi bwino kusiya kuchita zinthu zina zowonongetsa ndalama. Mayi wina dzina lake Myrna, yemwe akulera yekha ana ake atatu, ananena kuti: “M’malo mokwera basi popita ku misonkhano yachikhristu, panopa ine ndi ana anga timayenda pansi.” Myrna wayesetsa kuthandiza ana ake kuzindikira kufunika kokhala moyo wosalira zambiri. Iye anati: “Ndimayesetsa kusonyeza ana anga chitsanzo chabwino potsatira malangizo opezeka pa 1 Timoteyo 6:8-10 amene amanena za kufunika kokhala okhutira ndi zimene tili nazo.”

Bambo wina dzina lake Gerald, yemwe ali ndi ana awiri, amachitanso chimodzimodzi. Iye anati: “Pa nthawi ya phunziro la Baibulo labanja, timakambirana za Akhristu amene nthawi zonse amachita zinthu zofunika kwambiri, zomwe ndi zinthu zauzimu. Zotsatira zake zimakhala zabwino chifukwa ana athu saumirira kuti tiwagulire zinthu zosafunika kwenikweni.”

Janet ndi wosakwatiwa ndipo amakhala ku Philippines. Iye nthawi zonse amaphunzitsa anthu Baibulo mongodzipereka. Posachedwapa iye anachotsedwa ntchito koma akupitirizabe kukhala moyo wosalira zambiri. Janet anati: “Zimene zimandithandiza ndi zoti, ndimayesetsa kugwiritsa ntchito bwino ndalama zimene ndimapeza komanso zinthu zimene ndili nazo. Sindigula zinthu m’masitolo akuluakulu momwe zinthu zake zimakhala zokwera mtengo, koma ndimafufuza masitolo amene amagulitsa zinthu pa mitengo yotsika. Ndimaona kuti palibe chifukwa choti ndizigula zinthu pa mtengo wokwera pamene ndingathe kugula zinthu zomwezo ku sitolo ina pa mtengo wotsika. Ndimapewanso kungogula chinthu chomwe sindinakonzekere kugula.” Janet amaonanso kuti ndi bwino kusunga ndalama. Iye anati: “Ndikagula chinthu n’kutsala ndi chenje, ndimaonetsetsa kuti ndasunga ndalamayo ngakhale itakhala yochepa bwanji. Ndimachita zimenezi n’cholinga chakuti ngati patachitika zadzidzidzi ndidzaone pogwira.”

Anthu ambiri aona kuti, ngakhale kuti Baibulo limanena kwambiri za zinthu zauzimu, lilinso ndi malangizo amene angatithandize pa moyo wathu wa tsiku ndi tsiku. (Miyambo 2:6; Mateyu 6:25-34) Mutagwiritsa ntchito malangizo a m’Baibulo amene takambirana m’nkhani ino komanso mutatengera chitsanzo cha anthu amene apindula chifukwa chotsatira malangizo amenewa, inunso mungamachite zinthu mogwirizana ndi ndalama zimene mumapeza. Kuchita zimenezo kungakuthandizeni kuti mupewe mavuto komanso nkhawa zimene anthu ambiri ali nazo masiku ano chifukwa chosagwiritsa ntchito bwino ndalama.