AMATYALA anokubangela iingxaki entsatsheni okanye ayichithe kuthi tu. Ngokomzekelo, umphandi uJeffrey Dew wafumanisa ukuba uninzi lwezibini ezisematyaleni zichitha ixesha elincinane kunye zize elininzi zilichithele kwiingxabano yaye azonwabanga. Ubukhulu becala ziyaxambulisana zide zibethane, yaye amaxesha amaninzi oku kuye kuzale nezinye iingxaki. Ngoko ayimangalisi into yokuba oyena nobangela woqhawulo mtshato eMerika ziingxaki zemali.

Ukutshona ematyaleni kubeka impilo esichengeni sokugula, njengokuba nengxaki yokungalali, ukusoloko enentloko eqaqambayo nesisu esibuhlungu, isifo sentliziyo kunye nokudandatheka. Inkosikazi egama linguMarta ithi: “Umyeni wam uLuís wayedandatheke gqitha ngenxa yamatyala esasinawo kangangokuba wayesoloko elele imin’ ezi. Indoda endandisoloko ndithembele kuyo nayo ngoku yayiphelelwe ngamacebo.” Abanye abantu abakwazi kumelana nodandatheko. Ngokomzekelo, ijelo leendaba iBBC lachaza ukuba umfazi othile wakumzantsi mpuma eIndiya wazibulala ngenxa yokuba engazange akwazi ukuhlawula imali mboleko elingana nama-R7 000. Waboleka le mali ukuze abhatalele umntwana wakhe iindleko zonyango.

Kuthekani ukuba neyakho intsapho ixinezelekile  ngenxa yamatyala? Makhe sihlole iingxaki ezidla ngokujamelana nazo izibini ezinamatyala kunye nemigaqo yeBhayibhile enokuba luncedo.

ULukasz uyavuma esithi: “Ndandisoloko ndityhola umfazi wam ngokusafaza ngemali, ngoxa yena wayekhala ngokuba xa bendinomsebenzi osisigxina ngesinemali eyaneleyo.” Izibini zingakuthintela njani ukungaboni ngasonye ngenxa yamatyala?

Oko ninokukwenza: Sebenzani kunye ekulweni amatyala.

Ukuba nomsindo kwiqabane lakho akuncedi nganto—nokuba mhlawumbi ityala alibangelwanga nguwe. Ngoko kwimeko enje ninokusebenzisa isiluleko seBhayibhile esikweyabase-Efese 4:31 esithi: “Mabususwe kuni bonke ubukrakra bolunya nomsindo nengqumbo nokumemeza nokutshabhisa nabo bonke ububi.”

Musani ukulwa kodwa yilwani amatyala. Umyeni ogama linguStephanos uchaza indlela yena nomfazi wakhe abaye basebenzisana ngayo, uthi: “Siye sawajonga amatyala njengotshaba lwethu.” Ukusebenzisana ngaloo ndlela kuvumelana nencwadi yeMizekeliso 13:10 ethi: “Ngokukhukhumala ubani ubangela usukuzwano kuphela, kodwa kwabo babhunga kunye kukho ubulumko.” Kunokukhukhumala zamani ukulungisa izinto, ncokolani ngeengxaki zemali nize nisebenze ngomanyano.

Ninokubaquka abantwana kwimizamo eniyenzayo. Utata ogama linguEdgardo waseArgentina, uchaza oko kwenzekayo kwintsapho yakhe: “Xa unyana wam omncinci wayefuna ibhayisekile, samcacisela ukuba kutheni singakwazi ukumthengela. Kunoko samnika ibhayisekile kayisemkhulu yaye wayivuyela. Ndafunda ukubaluleka kokusebenzisana kunye njengentsapho.”

UEnrique uthi: “Ndenza ityala elikhulu ngenxa yeshishini lam, yaye ukuwohloka kwezoqoqosho eArgentina kwenza izinto zamandundu ngakumbi. Ukongeza, kwakufuneka umfazi wama enziwe utyando, kwakungathi andisayi kuze ndiphuncuke ematyaleni ngokungathi ndirhintyelwe yindlu yesigcawu.” Enye indoda yaseBrazil egama linguRoberto yaphulukana nemali yayo yonke kwishishini, yaze yanamatyala kwiibhanki ezili-12. Ithi: “Ndaba manyonywana ngeyona ndlela ndisoyika ukudibana nabahlobo bam. Ndandiziva ndikatye ngokwenene.”

Yintoni onokuyenza ukuze ukwazi ukweyisa ukudimazeka, ukuziva unetyala okanye uneentloni ngenxa yokuba usematyaleni?

Oko ninokukwenza: Lawulani imali yenu. *

1. Hlolani indlela eniyisebenzisa ngayo imali yenu. Gcina ingxelo yemali engenayo nephumayo mhlawumbi ubuncinane iiveki ezimbini okanye kangangenyanga ukuba oko kunokwenzeka. Yongeza kule ngxelo inkcitho enjengerhafu, i-inshorensi okanye impahla, zinto ezo ezingasoloko zibhatalwa, uze usebenzise umyinge wenyanga yonke.

2. Yongezani umvuzo wenu. Ninokusebenza ixesha elongezelelekileyo empangelweni, izinto obuzisebenzisile musa ukuzilahla phinda uzisebenzise, okanye ube nomsetyenzana owenzela ekhayeni lakho. Isilumkiso: Niyilumkele kodwa, into yokuba umsebenzi ungathabathel’ indawo izinto ezibalulekileyo njengezinto zokomoya.

3. Nciphisani inkcitho. Thenga kuphela xa into uyidinga kungekhona kuba nje ixabiso lithotyiwe. (IMizekeliso 21:5) UEnrique ocatshulwe ngasentla uthi: “Kulungile ukulinda ngaphambi kokuba uthenge, kuba oko kuyanceda ubone enoba uyidinga ngokwenene na loo nto okanye uyayinqwenela nje.” Nanga amanye amacebiso onokuwasebenzisa.

• Indawo yokuhlala: ukuba kunokwenzeka, hlalani kwindlu enexabiso eninokukwazi  ukulihlawula ekupheleni kwenyanga. Yongani imali ngokuzisebenzisa ngobunono izinto ezinje ngombane namanzi.

• Ukutya: Kunokuba nisoloko nisitya kwivenkile zokutyela zenzele umphako. Waphapheleni amaxabiso aphantsi okanye nithenge ngezitampu. Ibhinqa laseBrazil uJoelma lithi: “Ndonga imali eninzi xa ndithenga iziqhamo nemifuno esitratweni endleleni egodukayo.”

• Izithuthi: Zithengiseni iimoto eningazisebenzisiyo nize nigcine leyo iseleyo ikwimeko entle kunokuba nikhawuleze ukuya kuthenga entsha. Nisenokuhamba ngeenyawo okanye nikhwele izithuthi zika wonke-wonke.

Emva kokunciphisa inkcitho, ninokukwazi ukuyisebenzisa kakuhle imali eseleyo.

4. Cingisisani ngaphambi kokuba nenze ityala. Okukuqala, ngaphambi kokuba nenze ityala fumanisani ukuba iza kuba ngakanani inzala yalo, umphumo wokulihlawula emva kwexesha nokuba angakanani amathuba okungakwazi ukuhlawula ngexesha elimiselweyo. Fundani ngokucokisekileyo nawona magama mancinane akwizivumelwano zemali-mboleko ngaphambi kokutyobela kuba ababolekisi banokuba nenkohliso maxa wambi. Ngokomzekelo, enye indawo eshishina ngokubolekisa ngemali eMerika yathi inzala yemali-mboleko yayo ngama-24 ekhulwini, kanti eyona nyani kukuba yayingaphezu kwama-400 ekhulwini.

Okulandelayo, cebani indlela eniza kuwahlawula ngayo amatyala. Enye indlela eninokuyisebenzisa kukuhlawula imali eninzi kwasekuqaleni. Ukanti enye indlela kukuyihlawula yonke imali eshiyekileyo yetyala elincinane kuba lo nto iya kunikhuthaza. Mhlawumbi, enye into enokuninceda kukuboleka imali enenzala ephantsi ukuze nihlawule ngayo amatyala anenzala ephezulu.

Okokugqibela, ukuba niyoyisakala ukulihlawula ityala, thethathethanani nombolekisi wemali ukuze nigqibe ngenye indlela eninokulihlawula ngayo. Ningacela ukuba banandisele ixesha lokuhlawula okanye bathobe inzala. Abanye ababolekisi ngemali bangade balinciphise ityala ukuba nikulungele ukuyibhatala yonke imali eseleyo. Zichazeni ngokunyaniseka iingxaki zenu zemali. (Kolose 4:6; Hebhere 13:18) Mayibhalwe phantsi yonke into enivumelana ngayo. Enoba ekuqaleni, siye sakhatywa isicelo senu, ningethi mandla kunoko qhubekani nizama.—IMizekeliso 6:1-5.

Ewe kona, kuza kufuneka izinto nizijonge ngendlela eziyiyo njengoko nisingatha imicimbi yemali. Nesona sicwangciso sicetywe kakuhle sinokungaphumeleli ngenxa yeemeko ezingenakuphepheka, kuba imali isoloko ‘izenzela amaphiko njengokhozi ize iphaphazele isinge emazulwini.’—IMizekeliso 23:4, 5.

Iinzame zokulwa amatyala zinokwenza ukuba nityeshele ezinye iinkalo ezibalulekileyo zobomi. Enye indoda egama linguGeorgios ikubeka ngale ndlela oku, “eyona ngxaki inkulu esasinayo yayikukuba sasisoloko sintyumpantyumpeka ematyaleni. Ezona zinto zibalulekileyo sazityeshela.”

Oko ninokukwenza: Imali mayibe kwindawo yayo efanelekileyo.

Phezu kwazo nje iinzame, ninokuchitha iminyaka emininzi nibhatala ityala. Kodwa okwangoku, ninokucinga ngendlela eniza kuhlangabezana ngayo nale meko. Kunokusoloko nicinga ngeengxaki zemali eninazo, kunokuba bubulumko ukuthobela eli cebiso leBhayibhile: “Ukuba sinesixhaso nesambatho, masaneliswe zezo zinto.”—1 Timoti 6:8.

Ukuyamkela imeko yokuthwaxwa ziimeko zoqoqosho kunenza “niqineseke ngezinto ezibaluleke ngakumbi.” (Filipi 1:10) Ezi zinto ‘zibaluleke ngakumbi’ ziquka ukuba nobuhlobo noThixo kunye nentsapho yakho. UGeorgios, okhankanywe ngaphambilana uthi: “Nangona singekawagqibi amatyala ethu, awaseyiyo eyona nto iphambili kubomi bethu. Ngoku sonwabile emtshatweni wethu kuba sichitha ixesha elininzi kunye, kwizinto zokomoya nabantwana bethu.”

Amatyala akayiphumz’ ingqondo, yaye ukuwahlawula kufuna nincame izinto ezithile; sekunjalo umgudu uyafuneka. Umyeni ogama linguAndrzej ohlala ePoland, uvuma athi: “Kwaba kubi endlini xa ndafumanisa ukuba umfazi wam uye wabolekela umhlobo wakhe aphangela naye imali, nowaphel’ emehlweni emva kokuba eyifumene.” Echaza indlela abayilungisa ngayo le ngxaki uthi: “Saye samanyana ngakumbi—singamanyaniswa yile ngxaki, kodwa kukusebenza kunye siyicombulula.”