Gcina Ushintsho: Ukuphatha Imali Yakho Ngokuhlakanipha Isampula

Keep the Change: Managing Your Money Wisely

USUKU 5 KWEZINGU- 7

U-Austin no-Tiffanie bangabashadikazi abasebasha abakwazile ukuthatha uhambo olumbalwa emhlabeni jikelele ngesikhathi besakhokha isikweletu sika-$55,000 eminyakeni emine. Yebo, ufunda lokho kahle. Kodwa ngaphambi kokuchitha indaba yabo njengento engeke yenzeke kuwe, yazi ukuthi kwakungelula ngaso sonke isikhathi kubo. Eqinisweni, lapho beqala ukushada, kwadingeka bacwiliswe emalini ababeyiqongelele inyanga ngayinye ukuze nje bakhokhe izikweletu. Ngakho-ke, bahamba kanjani ekubeni bengenazikweleti futhi baphile ngokuphana? Nakhu abakusho.

Sikhokhe u-$55,000 eminyakeni emine. Eqinisweni, lapho siqala, kwakuzwakala sengathi kukude kakhulu. Uhlelo lwethu bekuwukuyikhokha eminyakeni eyi-10. Kodwa lokho ongakuqapheli umfutho kanye nenjabulo oyitholayo njengoba uqala ukuyikhokha. Futhi-ke njengoba ungena kukho, ufuna nje ukuphonsa konke onakho kukho. Futhi ngokuvamile, uma unohlelo oluhle, empeleni ugcina ukhokhe isikweletu ngokushesha kakhulu kunalokho obukulindele. Okungenani kwaba njalo kithi.

Kodwa kufanele ukwenzele ukuthi kukusebenzele. Nazi izifundo ezimbalwa esizifundile ekukhokheleni izikweletu zethu nokwenza ukupha kube yinto eza kuqala.

1. Yenza ngamabomu ezintweni ezincane.  

Izinto ezincane zingafinyelela ku-$400 noma u-$500 kubhajethi yakho ngokushesha okungaka ngaphandle kokuthi wena uqaphele. Kodwa uma uzimisele ngokuqinisekisa ukuthi abakwenzi, khona-ke unemali enhle ongayibeka kokuthile okuthanda kakhulu. Sizama ukungavumeli ukwaneliseka okusheshayo, futhi sizama ukwenza isiqiniseko sokuthi izinqumo zokusebenzisa imali esizenzayo yilezo esizojabula ngazo ngempela isonto kusukela manje noma unyaka kusukela manje.

2. Yenza ibhajethi yakho isekelwe emananini akho.

Kufanele unqume ukuthi yini ebalulekile kuwe. Kithina, kubalulekile ukuchitha isikhathi ndawonye nokuthatha uhambo ndawonye. Ngakho lokho kwaba yinto ehamba phambili, kuyilapho abanye abantu esibaziyo bengazange bahambe baze baqede ukukhokha izikweletu. Zibekele isabelomali sokuthi ufuna ukusebenzisa malini, bese uzama ukunamathela kuso. Futhi qiniseka ukuthi iya ezintweni ozazisa kakhulu.

3. Qala ngoNkulunkulu. 

Savumelana kusukela mhla sishada ukuthi sizokhipha okweshumi ndawonye. Ukweshumi kanye nokuphana yikona okuhamba phambili kubhajethi yethu. Sikholelwa ukuthi umBhalo ucacile ngalokho. Futhi sesivele sayibona uhlelo lukaNkulunkulu ekuphileni kwethu ngenxa yalokho. Ngakho lokho bekuwuhlobo lwesisekelo. Kungakhathaliseki ukuthi isimo sethu sezimali sikusiphi isimo, sizozibophezela ekubuyiseleni amaphesenti angu-10 ethu okuqala kuNkulunkulu. Bese ngale kwalokho, kukhona ivesi elisiqondisayo: 

Umhlaba wabaphanayo uya ngokuya uba mkhulu; izwe labancishanayo liya lincipha. Izaga 11:24 MSG

Akufani nokuthi uNkulunkulu ungumshini wokuthengisa. Akufani nokuthi ufaka idola bese uthola u-$10. Akasebenzi ngaleyo ndlela, kodwa uNkulunkulu ubheka abantu nezindawo lapho azi khona ukuthi lowo muntu uzoba nesandla esivulekile. Futhi uma singaphani ngalokho esinakho namuhla, kungani singalindela ukuthi uNkulunkulu asibusise ngokwengeziwe?

4. Hlala ungashintshi. 

Kungakhathaliseki ukuthi uqala kuphi, unethuba lokudumisa uNkulunkulu nokwenza umehluko. Uma uzobeka amadola amahlanu ngenyanga esikweletini, vele ukwenze futhi uhlale ungaguquki. Lapho ubeka kakhulu kukho, yilapho uzodinga khona ukukugqugquzela ukuthi ukhokhe. 

uNkulunkulu uyakwandisa esikunikezayo. Kufana nendaba yezinhlanzi nezinkwa. Akukona mayelana nenani; kumayelana nalokho uNkulunkulu angakwenza ngokulalela kwakho nangokupha kwakho. Futhi lokho kwakha ukholo lwakho ngendlela enkulu. Ngakho-ke, ungase uzizwe sengathi awuwenzi ngisho nokucwila esikweletini sakho njengamanje noma ukuthi ukunikela kwakho kuncane kakhulu, akwenzi ngisho nomthelela. Kodwa lowo umbono womuntu. Umbono kaNkulunkulu ngezinto wehluke kakhulu, futhi uzoshintsha inhliziyo yakho futhi ngethemba avumele ukuthi ubone umthelela ukupha kwakho okunawo. 

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Mayelana naloluHlelo

Keep the Change: Managing Your Money Wisely

Imali kungaba nzima ukukhuluma ngayo futhi kube nzima ukuyiqonda. Kodwa indlela esisebenzisa ngayo imali yethu ngokujwayelekile yiyona enquma indlela esisebenzisa ngayo ukuphila kwethu. Ngakho singaqiniseka kanjani ukuthi sidumisa uNkulunkulu futhi sikhonza abanye ngezimali zethu? Kulolu Hlelo LweBhayibheli Lwezinsuku Ezingu-7, sizobheka izindaba zangempela ezivela kubantu abajwayelekile abafunda ukulawula isabelomali sabo futhi baphile izimpilo zokupha.

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