Kodi Mungasamale Bwanji Ndalama Zochepa Zimene Mumapeza?

KUTI munthu athe kugwiritsa ntchito bwino ndalama zochepa zimene ali nazo, amafunika kukhala pansi n’kuganiza mofatsa. Yesu anatsindika mfundo imeneyi ponena kuti: “Ndani wa inu amene akafuna kumanga nsanja sayamba wakhala pansi ndi kuwerengera ndalama zimene adzawononga, kuti aone ngati alinazo zokwanira kumalizira nsanjayo?” (Luka 14:28, 29) Potsatira mfundo imeneyi, mukhoza kulemba bajeti kuti muzitha ‘kuwerengera ndalama zimene mumawononga.’ Kodi munthu angachite bwanji zimenezi? Tayesani kutsatira mfundo izi:

Mwezi uliwonse mukapeza ndalama, muzizigawa m’magulu osiyanasiyana kuti mulipirire zinthu zimene mukufunika kulipirira pa nthawiyo kapena mtsogolo. (Onani bokosi  patsamba 8.) Kugawa ndalama zanu mwanjira imeneyi kungakuthandizeni kuona mosavuta ndalama zimene mukuwonongera pa chinthu chilichonse, komanso kuchuluka kwa ndalama zimene mukuthera pa zinthu zosafunikira kwenikweni. Zimenezi zingakuthandizeni kudziwa zinthu zimene mukufunika kusiya kuwonongerapo ndalama.

Mfundo zotsatirazi zingakuthandizeni kulemba bajeti yabwino.

 Muzigula Zinthu Mwanzeru

Raúl ntchito itamuthera, mkazi wake Bertha anayamba kugula zinthu mosiyana ndi mmene ankachitira kale. Bertha anati: “Ndinkafunafuna masitolo amene atsitsa mitengo ya zinthu kapena amene ankagulitsa zinthu ziwiri pa mtengo wa chinthu chimodzi.” Mfundo zinanso zothandiza ndi izi:

● Mukamaganizira zogula zakudya zoti mudye mlungu umenewo, muzigula zakudya zimene zikutchipa pa nthawiyo.

● M’malo mogula zakudya zimene azikonza kale, muzigula zakudya zoti mukakonze nokha.

● Muzigula zinthu zambiri zimene azitsitsa mtengo kapena zimene zikupezeka zambiri nyengo imeneyo.

● Muziguliratu zinthu zambiri n’kusunga, koma samalani kuti musagule zochuluka kwambiri chifukwa zikhoza kuwonongeka.

● Muzigula zovala zotchipa monga zapakaunjika.

● Ngati kumalo kwinakwake kumatchipa zinthu, muzikagula kumeneko ngati zinthuzo zingakhalebe zotchipa mukaphatikizapo ndalama zoyendera.

● Muzichepetsa maulendo amene mumapita kokagula zinthu. *

Muzilemba Bajeti

Fred anati: “Popeza bajeti inkatithandiza kwambiri, ndinkalemba zinthu zonse zimene tinkafunika kulipira nthawi yomweyo komanso ndalama zimene tinkafunika kusunga kuti tigwiritse ntchito mwezi wonsewo.” Mkazi wake, Adele, anati: “Ndikamapita kumsika ndinkadziwiratu ndalama zimene ndikawononge. Nthawi zina ndikafuna kuwagulira ana chinthu chinachake kapena kugula chinthu cha m’nyumba, ndinkayamba ndayang’ana kaye bajeti yanga ndipo ndikazindikira kuti sindingakwanitse kugula chinthucho, ndinkadikira mpaka mwezi wotsatira. Kukhala ndi bajeti kunkandithandiza kwambiri.”

Musanagule Chinthu, Muziganiza Kaye

Nthawi zonse muzidzifunsa kuti, ‘Kodi ndikufunikiradi kugula chinthu chimenechi? Kodi chinthu chimene ndili nacho chathadi ntchito kapena ndikungofuna kukhala ndi chatsopano?’ Ngati chinthucho simuzichigwiritsa ntchito pafupipafupi, kodi zingakhale bwino kuti muzingochita hayala m’malo moguliratu? Kapena ngati mukuona kuti muzichigwiritsira ntchito pafupipafupi, kodi mungagule chakale m’malo mogula chatsopano?

Mwina mungaganize kuti zina mwa mfundo zimenezi n’zosathandiza kwenikweni, koma m’kupita kwa nthawi mumapulumutsa ndalama zambiri. Mfundo ndi yakuti, mukazolowera kusamala ndalama pogula zinthu zing’onozing’ono, mudzachitanso chimodzimodzi pogula zinthu zikuluzikulu.

Ganizirani Njira Zina Zopulumutsira Ndalama

Kuti muchepetse ndalama zimene mumawonongera pa zinthu zosafunika kwenikweni, muyenera kuganiza mwanzeru. Mwachitsanzo, Adele anati: “Poyamba tinali ndi magalimoto awiri koma tinagulitsa imodzi. Kenako tonse tinkakwera galimoto imodzi yotsalayo kapena kukwera nawo magalimoto a anzathu. Kuti tisamawononge mafuta a galimoto, tinkachitiratu zinthu zonse zimene tikufunikira kuchita pa ulendo umodzi. Ndalama zathu tinkazigwiritsa ntchito pa zinthu zofunika zokhazokha.” Mfundo zotsatirazi zingakuthandizeni kuti musamawononge kwambiri ndalama.

● Muzilima nokha ndiwo zamasamba.

● Muzitsatira malangizo a kufakitale osamalira katundu wa m’nyumba kuti asathe mwamsanga.

● Ngati mwavala zovala zabwino, mukafika kunyumba muzivula nthawi yomweyo. Zimenezi zimathandiza kuti zovalazo zizionekabe zatsopano kwa nthawi yaitali.

 Musamadzipatule

Anthu ambiri akachotsedwa ntchito amayamba kudzipatula ndipo sakonda kucheza ndi anthu. Koma Fred sanachite zimenezi. Chotero anthu a m’banja lake, kuphatikizapo ana ake akuluakulu, ankamulimbikitsa kwambiri. Iye anati: “Tinayamba kuthandizana m’njira zosiyanasiyana ndipo zimenezi zinachititsa kuti tizikondana kwambiri. Tinkaona kuti mavutowa ndi atonse.”

Fred analimbikitsidwanso ndi Akhristu anzake amene ankakumana nawo mlungu uliwonse ku Nyumba ya Ufumu ya Mboni za Yehova. Iye anati: “Pa mapeto a msonkhano uliwonse, ndinkaona kuti ndalimbikitsidwa. Aliyense ankandichitira zinthu mokoma mtima komanso mondiganizira. Chifukwa cha mmene ankatilimbikitsira ndiponso kutithandiza, tinazindikira kuti amatikonda kwambiri.”—Yohane 13:35.

Chikhulupiriro Chimathandiza

Anthu mamiliyoni ambiri amene achotsedwa ntchito amakhala okwiya chifukwa amaona kuti mabwana awo sanawachitire chilungamo. Raúl, yemwe tinamutchula kale uja, anakhumudwa kwambiri atachotsedwa ntchito mwadzidzidzi maulendo awiri. Koyamba anachotsedwa ntchito kwawo ku Peru ndipo kachiwiri ku New York City. Atachotsedwa ntchito kachiwiri, Raúl anati: “Masiku ano padzikoli palibe chinthu chilichonse chodalirika.” Panadutsa miyezi yambiri asanapezebe ntchito. Ndiye kodi n’chiyani chinamuthandiza kuti asataye mtima? Iye anati: “Ndinayamba kukonda kwambiri Mulungu ndipo ndinazindikira kuti kudalira Mulungu n’kumene kungathandize munthu kuti asamade nkhawa.”

Raúl ndi wa Mboni za Yehova ndipo chifukwa chophunzira Baibulo ankakhulupirira kuti Mulungu, yemwe ndi Atate wachikondi, sadzamusiya chifukwa analonjeza kuti: “Mulimonse sindidzakusiyani, ngakhale kukutayani konse.” (Aheberi 13:5) Koma sikuti moyo wa Raúl ndi banja lake unali wophweka. Raúl anati: “Nthawi zonse tinkapemphera kwa Mulungu kuti atipatse zimene tinkafunikira pa moyo wathu ndipo tinkakhutira ndi chilichonse chimene Mulungu watipatsa.” Bertha, mkazi wa Raúl, ananenanso kuti: “Nthawi zina ndinkada nkhawa kwambiri chifukwa ndinkangoona ngati Raúl sadzapezanso ntchito. Koma tinaona kuti Yehova ankayankha mapemphero athu potipatsa zimene tinkafunikira tsiku lililonse. Ngakhale kuti tinalibe zinthu zambiri ngati zimene tinali nazo kale, tinali osangalala chifukwa moyo wathu unali wosalira zambiri.”

Popeza Fred ndi wa Mboni za Yehova, kuphunzira Baibulo kunamuthandiza kwambiri kuti asataye mtima. Iye anati: “Nthawi zina anthufe timadalira kwambiri ntchito, udindo kapena ndalama zimene tili nazo. Koma ndaona kuti Yehova Mulungu yekha ndi amene ali wodalirika kwambiri ndipo sangatikhumudwitse. Kukhala pa ubwenzi ndi Yehova Mulungu n’kumene kumatichititsa kuti tisamakhale ndi nkhawa iliyonse.” *

[Mawu a M’munsi]

[Mawu Otsindika patsamba 9]

“Nthawi zonse tinkapemphera kwa Mulungu kuti atipatse zimene tinkafunikira pa moyo wathu ndipo tinkakhutira ndi chilichonse chimene Mulungu watipatsa”

 [Bokosi/Tchati patsamba 8]

 Mmene Mungalembere Bajeti

(1) Lembani zinthu zonse zimene mumafunika kulipira pa mwezi. Kwa mwezi wathunthu, muzilemba ndalama zonse zimene mwagwiritsira ntchito pogula chakudya, poyendera pa basi kapena pa galimoto, polipira lendi, magetsi, madzi, mafoni, ndi zina zotero. Ngati zinthu zina mumalipira kamodzi pa chaka, gawani ndalamazo ndi 12 kuti mudziwe ndalama zimene mukuwononga mwezi uliwonse.

(2) Gawani m’magulumagulu ndalama zimene mumawononga. Magulu ake akhoza kukhala monga chakudya, nyumba, zoyendera, ndi zina zotero.

(3) Muwerengetsere kuti pa ndalama zimene mumapeza mwezi uliwonse, ndi zingati zimene mukuyenera kuwonongera pa gulu lililonse. Ngati pali zinthu zina zimene mumalipira kamodzi pa chaka, muwerengere kuti ndi ndalama zingati zimene mukuyenera kusunga mwezi uliwonse kuti mudzathe kulipirira zinthu zimenezi.

(4) Mulembe ndalama zonse zimene aliyense wa m’banja lanu amalandira pa mwezi. Muyerekezere ndalama zimenezi ndi ndalama zimene mukuyenera kuwononga pa mwezi.

(5) Mwezi uliwonse, muzipatula ndalama zimene zikufunika kuti mulipirire zinthu za m’gulu lililonse. Ngati mumasunga nokha ndalama, njira yosavuta yochitira zimenezi ndiyo kukhala ndi maenvulopu angapo mutalemba pa envulopu iliyonse gulu la zinthu zimene mukuyenera kulipira. Kenako nthawi ndi nthawi muziika m’maenvulopuwo ndalama zimene zikufunika kuti mulipirire zinthu za m’gulu limene munalemba pa envulopu iliyonse.

Chenjezo: Ngati mumagula zinthu pangongole, muyenera kusamala. Anthu ambiri amalephera kutsatira bajeti yawo chifukwa chokopeka ndi mfundo yakuti, ‘Ingotengani, mudzalipira m’tsogolo.’

[Tchati]

(Onani m’magazini yeniyeni kuti mumvetse izi)

Ndalama Zonse Zimene Mumapeza pa Mwezi

NDALAMA ZIMENE NDALAMA ZINA ZIMENE

MUMALANDIRA K․․․․․ MUMAPEZA K․․․․․

NDALAMA ZIMENE

ENA M’BANJA LANU NDALAMA ZONSE

AMALANDIRA K․․․․․ PAMODZI

K․․․․․

Ndalama Zimene Mukufuna Ndalama Zimene

Kuwononga pa Mwezi Mwawonongadi pa Mwezi

K․․․․․ Ndalama za Lendi K․․․․․

K․․․․․ Inshuwalansi/Misonkho K․․․․․

K․․․․․ Madzi, Magetsi K․․․․․

K․․․․․ Zokonzetsera Galimoto K․․․․․

K․․․․․ Zosangalalira/Zoyendera K․․․․․

K․․․․․ Foni K․․․․․

K․․․․․ Zakudya K․․․․․

K․․․․․ Zina ndi Zina K․․․․․

NDALAMA ZONSE ZIMENE NDALAMA ZONSE ZIMENE

MUKUFUNA KUWONONGA MWAWONONGADI

K․․․․․ K․․․․․

Yerekezani Ndalama Zimene Mumapeza ndi Zimene Mumawononga

NDALAMA ZONSE ZIMENE

MUMAPEZA PA MWEZI K․․․․․

KUCHOTSAPO− ZOTSALA

NDALAMA ZONSE ZIMENE

MUMAWONONGA PA MWEZI K․․․․․ K․․․․․