Indlela Yokuphila Ngemali Encinci
Ngaba ukufumanisa kunzima ukuphila ngenxa yeengxaki zemali? Oobhubhani, iintlekele zemvelo, iingxaki zeepolitiki neemfazwe zinokwenza imali ikhawuleze ingabikho. Nangona ukulahlekelwa ngumsebenzi kunokubangela istres, kodwa amacebiso obulumko aphuma eBhayibhileni anokukunceda uphile ngemali encinci.
1. Yamkele into yokuba iimeko zakho zitshintshile.
Umgaqo weBhayibhile: “Ndiyayazi ukuba kunjani ukungabi nanto ingako, nokuba nezinto ezininzi.”—Filipi 4:12.
Nangona uza kuba nemali encinci kunangaphambili, ungakuqhela ukuphila ngayo. Ngokukhawuleza uyamkele imeko okuyo uze uzame ukuphila ngayo, wena nentsapho yakho, niza kumelana nayo.
Zama ukuphanda ngoncedo lukarhulumente onokulufumana. Zama ukulufumana ngokukhawuleza kuba liba lincinci ixesha lokufaka isicelo.
2. Ncedisanani njengentsapho.
Umgaqo weBhayibhile: “Amacebo aphelela emoyeni xa kungacetyiswana, kodwa ininzi into ephunyezwayo xa bebaninzi abacebisi.”—IMizekeliso 15:22.
Ncokola ngale meko nomntu otshate naye, nabantwana. Xa nincokola unganceda wonke umntu entsatsheni ayazi into amakayenze nize nonke nilwamkele olu tshintsho. Xa intsapho ingazimoshi izinto enazo, loo nto iza kuyinceda ikwazi ukusebenzisa loo madlana inayo kakuhle.
3. Bala iindleko.
Umgaqo weBhayibhile: ‘Hlala phantsi ubale iindleko.’—Luka 14:28.
Xa kunyanzelekile uphile ngemali encinci, kubalulekile uyazi indlela oyisebenzisa ngayo imali yakho. Qala ngokubhala phantsi imali oza kuyifumana kuloo nyanga. Emva koko bhala phantsi iindleko zakho zenyanga nendlela oyisebenzisa ngayo imali nokuba uyaqonda ukuba kuza kufuneka utshintshe indlela oyisebenzisa ngayo imali. Kule mali uyifumana inyanga nenyanga, thatha imali oza kuyigcinela iingxaki ezingalindelekanga.
Icebiso: Xa ubala iindleko, sukulibala ukubhala nezinto ezincinci oye uzithenge. Ungothuka xa ubona imali eninzi oyisebenzisayo kwezi zinto zincinci. Ngokomzekelo, emva kokubala iindleko, enye indoda yafumanisa ukuba qho ngonyaka yayisebenzisa imali eninzi ekuthengeni iitshepisi!
4. Jonga ukuba zeziphi ezona ndleko zibalulekileyo uze wenze utshintsho.
Umgaqo weBhayibhile: ‘Qiniseka ngezona zinto zibalulekileyo.’—Filipi 1:10.
Thelekisa imali oyifumanayo neendleko zakho, uze ubone ukuba unokunciphisa phi ukuze ukwazi ukuphila ngemali encinci. Khawujonge ukuba awunakukwazi ukwenza ezi zinto zilandelayo:
Iimoto. Ukuba uneemoto ezininzi, awunakukhe uthengise ibenye? Ukuba unemoto edurayo, awunakuyitshintsha uze uthenge efikelelekayo? Awunakuhamba ngekawonke wonke okanye ibhayisekile uze ungabi nayo kwamoto?
Ukuzonwabisa. Awunakukhe ume kancinci ngokubhatalela istreaming, neesatellite, uze ufumane ezinye iindlela ezingabizi kakhulu? Ngokomzekelo ungaboleka iimovie, udawunlowude iie-book, neeaudiobooks kwilayibrari ekufutshane nawe ngemali encinci.
Izinto eziluncedo ekhaya. Njengentsapho, thethani ukuba ningazinciphisa njani iindleko zamanzi, umbane, nepetrol. Ukucima izibane xa ungazisebenzisi nokungahlambi ixesha elide eshaweni kungabonakala kungenamsebenzi kodwa kungasinceda singasebenzisi imali eninzi.
Ukutya. Kuphephe ukuthenga ukutya kwiindawo zokutyela. Kunoko, pheka ukutya ekhaya. Cinga ukuba uza kupheka ntoni, thenga ukutya okuninzi, uze uthi xa upheka, upheke kakhulu ukuze okushiyekileyo, ukusebenzise kwixesha elizayo. Zibhale phantsi izinto oza kuzithenga ukuze ungathengi nezinto ezingeyomfuneko. Thenga iziqhamo nemifuno ezisexesheni, ezidla ngokungabizi imali eninzi. Sukukuthenga ukutya okungekho sempilweni. Mhlawumbi ungacinga nangokulima.
Iimpahla. Thenga iimpahla xa kufuneka utshintshe ezigugileyo hayi kuba ufuna ukuhlala ukwifashon. Thenga iimpahla xa ziphelelwe lixesha, zidla ngokuba namaxabiso aphantsi, okanye ukhangele amasekeni. Ukuba iimeko nemozulu ziyakuvumela, iimpahla zoneke ukuze zomiswe lilanga. Loo nto iza kukunceda ungabhatali iindleko ezininzi.
Izinto Oza Kuzithenga Kwixesha Elizayo. Ngaphambi kokuba uthenge into, zibuze: ‘Ngaba ndinayo imali yayo? Ngaba ndiyayidinga?’ Awunakukhe ume ngokutshintsha izinto zombane ozisebenzisayo, izixhobo ze-elektroniki okanye iimoto? Kwelinye icala awunakukhe uthengise izinto ongazidingiyo nongazisebenzisiyo? Loo nto inokukunceda wongeze kwimali onayo uze uphile ngendlela elula.
Icebiso: Xa imali yakho yehle ngokukhawuleza, loo nto inokukunceda uyeke izinto eziyingozi nezidurayo ubuzenza, njengokutshaya, ukungcakaza, nokusela utywala kakhulu. Ukwenza olu tshintsho, akuzukunceda kwiimali zakho kuphela kodwa kuza kuphucula nobomi bakho.
5. Funda ngoThixo.
Umgaqo weBhayibhile: “Bonwabile abo baqondayo ukuba bayamdinga uThixo.”—Mateyu 5:3.
IBhayibhile isinika eli cebiso: “Kuba ubulumko buyakhusela njengokuba nemali ikhusela, kodwa nantsi into olunceda ngayo ulwazi, ubulumko bumgcina ephila lowo unabo.” (INtshumayeli 7:12) Obu bulumko bufumaneka eBhayibhileni futhi abantu abaninzi bafumanise ukuba bubanceda bangabi naxhala ngeengxaki zemali.—Mateyu 6:31, 32.
Mhlawumbi Ungayithanda Nale
UVUKANI!
Phucula Ubomi Bakho—Indlela Yokusebenzisa Imali Kakuhle
Imigaqo yeBhayibhile inokukunceda njani uhlise iingxaki zakho zemali?
IMIBUZO YEBHAYIBHILE IYAPHENDULWA
Iingxaki Zemali Namatyala—Ngaba IBhayibhile Ingakunceda
Imali ayiluzisi ulonwabo, Kodwa imigaqo yeBhayibhile emine ingakunceda kwizinto eziphathelele imali.
IMBONISELO
Ukuxhalatyiswa Yimali
Enye indoda yakwazi ukunyamekela intsapho yayo nangona amaxabiso ezinto eziyimfuneko antinga ngokoyikisayo.
UVUKANI!
Izinto Ezintathu Ezingenakuthengwa Ngemali
Imali isinceda sikwazi ukuthenga izinto esizifunayo, kodwa eyona nto yanelisayo ebomini siyifumana kwizinto ezingenakuthengwa ngemali.
KUCACISWA IIVESI ZEBHAYIBHILE
Kucaciswa uMateyu 6:34—“Sukuzikhathaza Ngengomso”
Funda uMateyu 6:34 kwiinguqulelo zeBhayibhile ezahlukeneyo, ujonge into ekuthethwa ngayo, iimbekiselo nestudy notes zale vesi. Funda into ethethwa yile vesi.
