Achinyamata Akufunsa Kuti . . .

Kodi Ndikhale ndi Khadi la Ngongole?

“Kwa nthaŵi yoyamba, pamene ndinali ndi zaka 16, ndinapeza kalata yondidziŵitsa za mwayi wokhala ndi khadi langa la ngongole m’makalata anga. . . . Pamene ndimakwanitsa zaka 18, ngongole zanga zinali zitafika pafupifupi madola 60,000.”—Kristin.

POYAMBA, Kristin anaganiza kuti adzagwiritsa ntchito khadi lake la ngongole kokha ngati paoneka zinthu za mwadzidzidzi, kapena pofuna kugula malaya pachochitika china chapadera panthaŵi yomwe alibe ndalama. Kenaka chinasanduka chizoloŵezi chake. “Ndinayamba kugula zinthu zilizonse ndipo ndinkangoitanitsa zinthu mwachisawawa,” akuulula motero Kristin. “Ndinkagula zinthu zimene ndinalibe nazo ntchito n’komwe.” Tsopano Kristin sakuonanso makadi a ngongole monga kale. Iye akuti: “Sindinali kudziŵa kuti kakhadi kapulasitiki kameneka kangawononge moyo wanga motero.”—Magazini ya Teen.

Nkhani ya Kristin si yachilendo. Achinyamata ambiri akudzibweretsera mavuto azachuma pogwiritsa ntchito kapulasitiki kameneka, kotchedwa khadi la ngongole. Nthaŵi zina, makampani amakhala pakalikiliki wakuti akope achinyamata. Mwachionekere iwo amadziŵa kuti kwa anthu okonda kugula zinthu, makadi a ngongole angathe kuwayambitsa “chizoloŵezi chosakaza ndalama zawo,” monga mmene mlangizi wazachuma Jane Bryant Quinn akunenera. Iye akuti “Akazoloŵera kuchita zimenezi, m’pamenenso kumakhala kovuta kwambiri kuti asiye.”

N’zoona kuti kukhala ndi khadi la ngongole kungakhale kothandiza, mwachitsanzo, ngati pachitika chinthu chadzidzidzi kapena ngati kuli kosayenera kuyenda ndi ndalama. Ichi n’chifukwa chimodzi chimene chachititsa kuti makadi a ngongole atchuke ku United States ndiponso ku mayiko ena. Koma likapanda kugwiritsidwa ntchito moyenera, khadi la ngongole lingamuike woligwiritsa ntchitoyo m’ngongole yaikulu kwambiri. Motero, nkhani imene inafalitsidwa m’magazini ya ku Toronto ya Globe and Mail inasonyeza kuti pali kuwonjezeka koŵirikiza katatu “kwa chiŵerengero cha anthu a zaka 20 mpaka 23 amene apita ku Bungwe Lolangiza za Ngongole la ku Toronto kuti akawalangize.” Nkhaniyo inasonyeza kuti anthu ambiri anali ndi ngongole zokwana madola 25,000 ndipo ngongole zambiri zinali zotengedwa ndi makadi a ngongole.

Kodi muyenera kukhala ndi khadi la ngongole? Makolo anu ndiwo ayenera kuganizira nkhani imeneyi. Ngati iwo akuganiza kuti muyenera kuyamba mwadikira, inu ingopirirani. Ngati mukusonyeza kuti mumagula zinthu mwanzeru, mwina posachedwa makolo anu ayamba kukupatsani maudindo aakulu azachuma. (Yerekezani ndi Luka 16:10.) Pakali pano, muyenera kudziŵa kuti kugwiritsa ntchito khadi la ngongole kuli ndi ubwino ndi kuopsa kwake, monga mmene kuyendetsa galimoto kulili.

Kupenda Zotsatira Zake

Kugula zinthu ndi khadi la ngongole n’chimodzimodzi ndi kukongola ndalama. Monga mmene zimakhalira mukakongola ndalama, apanso muyenera kubweza zimene akukongozani. (Miyambo 22:7)  Koma kodi mumabweza bwanji zinthu zimene mwagula ndi khadi la ngongole?

Nthaŵi zambiri, kumapeto kwa mwezi uliwonse, amakutumizirani kalata yokumbutsa ngongole, ndipo imasonyeza zinthu zimene munagula ndi khadilo ndiponso chiwonkhetso cha ndalama zonse zimene muyenera kubweza. Kalatayo imasonyezanso ndalama zimene muyenera kulipira nthaŵi yomweyo. Nthaŵi zambiri ndalama zimenezi zimakhala zochepa. Motero, munganene kuti, ‘Sindalama zambiri. Ngati nditamalipira ndalama zongokwana pa ndalama zoyenera kulipiridwa mwezi uliwonse, ndiye kuti mkupita kwa nthaŵi ngongole yanga ndidzaimaliza.’ Komabe, vuto n’lakuti pakapita kanthaŵi, amayamba kukulipiritsani chiwongola dzanja pa ndalama zimene simunabweze zija. Ndipotu chiwongola dzanja cha pa khadi la ngongole chimakhala chochuluka kwabasi!  *

Taganizirani za Joseph, amene pa kalata yake yokumbutsa ngongole ya mwezi umodzi panali ngongole yokwana madola 1,000. N’zoona kuti Joseph anayenera kulipira ndalama zolipiriratu nthaŵi yomweyo, zimene zinali madola 20. Koma iye atayang’anitsitsa kalatayo, anawona kuti ngongole yotsala pamwezi umenewo inaphatizaponso ndalama zokwanira madola 17! Zimenezi zinatanthauza kuti ngakhale Joseph akadalipira madola 20 amene amayenera kulipira nthaŵi yomweyo, kwenikweni ndiye kuti pangongole yake ya madola 1,000 iye wangolipirako madola atatu basi!

Kodi zimatenga utali wotani kuti ubweze ndalama zonse za pakhadi la ngongole ngati ukungolipira ndalama zolipiridwa pa nthaŵi yomweyo zokha? Posonyeza chitsanzo chongoyerekezera, buku lofalitsidwa ndi bungwe loona za malonda la Federal Trade Commission ndiponso bungwe lina lopereka makadi a ngongole lotchedwa American Express anati: “Ngati muli ndi ngongole yokwana madola 2,000 yokhala ndi chiwongola dzanja cha 18.5 peresenti ndi ndalama zochepa zoyenera kubweza pamwezi, zingatenge zaka 11 kuti mubweze ngongoleyo ndipo zingakutayitseni madola 1,934 ena ongolipira chiwongola dzanja basi, ndalama zimene zili zochuluka pafupifupi kuŵirikiza mtengo wa chinthu chimene munagula pachiyambi.”

Monga mmene mwaonera, ngati simusamala, mungadziike m’mavuto azachuma aakulu kwambiri pogwiritsa ntchito khadi la ngongole. Kristin akuti: “Ndinali kulipira pafupifupi kaŵiri chinthu chilichonse, chifukwa n’kachedwa kubweza ngongole, ondikongozawo an’kawonjezapo ndalama zina. Sindinali kudziŵa chochita.”

Kugwiritsa Ntchito Khadi la Ngongole Mwanzeru

Kristin anatengerapo phunziro kuti mtima woti “ndigule tsopano koma ndidzalipirabe” ungakuike m’mavuto. Ngongole zingachulukane kwambiri, ndipo musanazindikire n’komwe, ndalama zanu zapamwezi zingamathere kulipirira ngongole basi. Kodi  anthu ogwiritsa ntchito makadi ameneŵa mozindikira amapeŵa bwanji kugwa m’mavuto azachuma otero?

● Amalemba zonse zimene agula ndipo amapenda mosamala kalata yokumbutsa ngongole yapamwezi kuti atsimikizire kuti akulipitsidwa zinthu zomwe anaguladi.

● Amalipira ngongole zawo mwamsanga, podziŵa kuti kukhala ndi mbiri yabwino ya kubweza ngongole kumadzathandiza m’tsogolo, mwina podzafunsira ntchito kapena inshuwalansi kapena pogula galimoto kapena nyumba.

● Ngati kuli kotheka, amalipiliratu ngongole yonse kuti apeŵe kulipira chiwongola dzanja chachikulu pa ngongole yotsala.

● Iwo samapatsa munthu nambala ya khadi lawo la ngongole ndi tsiku limene lidzathere ntchito pa telefoni, pokhapokha ngati akudziŵa kampani kapena munthu amene akulankhula naye.

● Sabwereketsa khadi lawo la ngongole kwa munthu wina, ngakhale mnzawo. Chifukwatu ngati khadilo litagwiritsidwa ntchito molakwa, mbiri ya ngongole imene imawonongeka ndi ya mwini khadilo.

● Amapeŵa kugwiritsa ntchito khadi la ngongole monga njira yopezera ndalama mosavuta, ngati mmene amachitira ndi khadi la ku banki. Kumbukirani kuti katapila amabweretsa chiwongola dzanja chachikulu kwambiri kuposa ngongole.

● Salemba ndi kutumiza kalata iliyonse imene alandira yofunsira za khadi langongole. Kwa achinyamata ambiri khadi imodzi yokha ndi yokwana.

● Amagwiritsira ntchito khadi lawo la ngongole mosamala kwambiri, podziŵa bwino kuti akagula chilichonse ndi khadilo, amalipira ndalama zenizeni, ngakhale kuti sakugwiritsa ntchito ndalama zamapepala kapena za makobidi.

Kupindula Nawo

Kaya muli ndi khadi la ngongole pakali pano kapena mukuganiza zopeza lanu m’tsogolo muno, dziŵani mokwanira ubwino ndi kuwopsa kwake. Dzifunseni mafunso otsatiraŵa: N’chifukwa chiyani ndikuona kuti ndikufunikira khadi la ngongole? Kodi ndikungofuna kupeza zinthu zakuthupi, kukhala ndi zinthu zotchuka zatsopano kwambiri, kapena kudabwitsa anzanga? Kodi ndiyenera kuphunzira kukhala okhutira ndi zinthu zongofunika, zimene mtumwi wachikristu Paulo anazitcha kuti “zakudya ndi zofunda,”? (1 Timoteo 6:8) Kodi ngongole zobwera chifukwa cha khadi la ngongole zingadzandibweretsere mavuto adzaoneni azachuma amene angadzandichititse kunyalanyalaza zinthu zofunika kwambiri m’moyo?—Mateyu 6:33; Afilipi 1:8-11.

Muwaganizire mafunso ameneŵa ndipo akambiraneni ndi makolo anu. Mukatero, ndiye kuti kaya muli ndi khadi la ngongole kapena ayi, mudzapeŵa kuvutika mtima chifukwa cha mavuto azachuma amene ambiri adzibweretsera.—Miyambo 22:3.

[Mawu a M’munsi]

 [Bokosi patsamba 31]

Ubwino Wakuti Makolo Avomereze

Achinyamata ambiri amapeza mwaŵi wokhala ndi khadi lawo la ngongole kwa nthaŵi yoyamba, akalandira kalata yofunsira makadi ameneŵa. Ndiponsotu, m’kupita kwa nthaŵi ena amalandira makalata angapo ofunsira. Jane Bryant Quinn akulongosola kuti, “makampani ogulitsa makadi a ngongole amapikisana kwambiri kuti agulitse makadi ameneŵa kwa achinyamata, chifukwa kafukufuku wasonyeza kuti nthaŵi zambiri timasunga khadi limene tinayamba kugulitsa.”

Nthaŵi zambiri kholo kapena wachikulire wina amene anakhalapo ndi ngongole zoterezi ayenera kulemba dzina lake m’kalata yofunsira khadi la ngongole kotero kuti opereka khadilo akhale otsimikiza kuti zinthu zotengedwa pangongole pogwiritsa ntchito khadilo adzatha kuzilipira. N’zomvetsa chisoni kuti achinyamata ena amachita chinyengo kuti azembe zimenezi. Mtsikana wina analemba dzina la agogo ake aakazi monga kuti ndi omwe akufunsira ndipo analemba dzina lake monga kuti ndiye munthu wowaikira umboni koma sanawadziŵitse agogo akewo zimenezi. Tangoganizirani mmene agogo ake anadzidzimukira pamene anauzidwa kuti ali ndi ngongole ya ndalama madola zikwizikwi!

Kubera kalembedwe ka siginecha ya dzina la munthu wina wachikulire n’kusaona mtima, ndipo Mulungu amadana ndi kusaona mtima. (Miyambo 11:1; Ahebri 13:18) Choncho ngati mukufuna khadi la ngongole uzani makolo anu. Kuvomereza kwawo kudzakhala kothandiza m’tsogolo. Kumbukirani kuti n’zachidziŵikire kuti makolo anu anabwezapo ngongole, ndipo angathe kukupatsani malangizo abwino. Choncho lankhulani nawo, ndipo musachite zosaona mtima kuti mupeze khadi la ngongole.

[Chithunzi patsamba 31]

Kugwiritsa ntchito khadi la ngongole mwachisawawa kungabweretse mavuto azachuma