Vechiduku Vanobvunza Kuti . . .

Ndinofanira Kuva Nekadhi Rechikwereti Here?

“Ndakapiwa kadhi rangu rechikwereti rokutanga mutsamba pandakanga ndiine makore 16. . . . Pandakasvika makore 18, chikwereti changu chakanga chakura kusvika ku$2 280 000.”—Kristin.

PAKUTANGA, Kristin akaronga kushandisa kadhi rake rechikwereti pane zvinhu zvinoda kukurumidzirwa chete—uye zvichida nokuda kwechimwe chinhu chaaida kutenga asi asingakwanisi kubhadhara keshi. Ipapo zvinhu zvakabva zvaita manyama amire nerongo. “Ndakatanga kutenga zvisina mwero uye ndakaita sendava kupenga, ndichiodha zvinhu zviri mumabhuku,” anodaro Kristin. “Ndakatenga zvinhu zvandakanga ndisina basa nazvo.” Pari zvino Kristin ava kuona makadhi echikwereti nerimwe ziso. “Ndakanga ndisingambozivi kuti kadhi duku iroro repurasitiki raigona sei kukanganisa upenyu hwangu,” anodaro.—Magazini inonzi Teen.

Zvakadai hazvina kuitika kuna Kristin bedzi. Nhamba iri kuwedzera yavechiduku iri kufamba munzira ine njodzi mune zvemari ichishandisa chinhu chiduku ichocho chepurasitiki, kadhi rechikwereti. Mune zvimwe zvinoitika, makambani anonyanya kuda vechiduku. Zvichida vanoziva kuti kuvakawanda vanoda kushandisa mari, makadhi echikwereti anogona kuva “chinodhaka mune zvemari,” sezvakataura mumwe anopa mazano munyaya dzemari anonzi Jane Bryant Quinn. “Kunyanya kushandiswa kwaanoitwa,” anodaro, “kunobva kwaita kuti kurega kuashandisa kunyanye kuoma.”

Chokwadi, kuva nekadhi rechikwereti kunogona kubatsira—somuenzaniso, kana zvinhu zvinoda kukurumidzirwa zvikaitika kana kuti pazvinenge zvisina kunaka kufamba nemari. Ndicho chimwe chikonzero nei makadhi echikwereti akurumbira zvikuru muUnited States uye mune dzimwe nyikawo. Zvisinei, kana rikasashandiswa zvakanaka, kadhi rechikwereti rinogona kuisa muridzi waro panguva yakaoma. Saka, mushumo wakabudiswa muGlobe and Mail yokuToronto wakataura kuwedzera kwakapetwa katatu “kwenhamba yevane makore 20 kusvika ku23 varemerwa nezvikwereti vava kuenda kuCredit Counselling Service yomuToronto kuti vabatsirwe.” Mushumo wacho wakati vakawanda vane zvikwereti zvinosvika $625 000, uye kushandisa kadhi rechikwereti kwaiva chimwe chezvinhu zvikuru zvakaparira zvikwereti zvacho.

Unofanira kuva nekadhi rechikwereti here? Vabereki vako ndivo vanofanira kusarudza izvozvo. Kana vachifunga kuti unofanira kumbomira, shivirira. Kana ukaratidza kuti wakangwara mukushandisa mari kwaunoita, zvimwe hazvizotori nguva huru vabereki vako vasati vakubvumidza kushandisa mari yakawanda. (Enzanisa naRuka 16:10.) Panguva ino, unofanira kuziva kuti kushandisa kadhi rechikwereti—kungofanana nokutyaira motokari—kune zvose zviri zviviri mibayiro uye njodzi.

Kufunga Zvinodiwa

Kutenga nekadhi rechikwereti zvakangofanana nokukwereta mari. Kungofanana nokukwereta mari kwose kunoitwa, unofanira kubhadhara mari yaunenge wakwereteswa. (Zvirevo 22:7) Asi unobhadhara sei zvinhu zvaunotenga nekadhi rechikwereti?

Kazhinji, sitatimendi yakanyorwa inotumirwa kwauri mwedzi woga woga wava kunopera, ichiratidza zvawakatenga uchishandisa kadhi uyewo chikwereti chose chaunacho. Sitatimendi yacho inoratidzawo mari yaunotarisirwa kubhadhara ipapo. Kakawanda, mari iyi inenge iri shoma zvikuru. Somugumisiro, unogona kufunga kuti, ‘Haina kunyanya kuwanda. Kana ndikangobhadhara mari shoma inodiwa mwedzi nomwedzi, ndinogona kuzobhadhara chikwereti changu pane imwe nguva.’ Zvisinei, dambudziko riripo nderokuti pashure penguva yaunombopiwa kuti ubhadhare, unozotanga kuchajwa imwe mari—mutero—pachikwereti chauchiri nacho. Uye mari dzomutero pamakadhi echikwereti dzinogona kuva dzakawanda zvikuru.a

Funga nezvaJoseph, uyo pane imwe sitatimendi yake yomwedzi aiva nechikwereti cheinenge $38 000. Chokwadi, Joseph aifanira kubhadhara mari shoma chete yaidiwa, yaiva $760. Asi paakanyatsotarisa sitatimendi yake, Joseph akaona kuti yaivawo pasitatimendi yomwedzi iwoyo yaiva mari yomutero inosvika $646! Izvi zvaireva kuti kunyange dai Joseph akabhadhara mari shoma yaidiwa inosvika $760, aizova abvisa $114 chete kubva pachikwereti chake che$38 000!

Zvinotora nguva yakareba sei kuti ubhadhare mari yose yekadhi rechikwereti kana uchibvisa mari shoma inodiwa mwedzi nomwedzi? Richipa muenzaniso wezvingaitika, rimwe bhuku duku rinobudiswa neFederal Trade Commission uye American Express rinoti: “Kana une chikwereti chasara che$76 000, paine mutero we18,5 muzana nemari shoma inodiwa inobhadharwa mwedzi nomwedzi, zvinotora anopfuura makore 11 kubhadhara chikwereti chacho chose uye zvinokudyira imwe mari inokwana $73 492 yomutero chete, inotoda kupeta mari yawakatenga nayo pakutanga.”

Sezvaunogona kuona, kana ukasangwarira, unogona kuzviisa muchikwereti chikuru zvikuru nokushandisa kadhi rechikwereti. “Chaizvoizvo ndakanga ndichibhadhara kanenge kaviri pachinhu chose,” anodaro Kristin. “Pandakatanga kunetseka nokubhadhara zvinhu, varidzi vekadhi rechikwereti vakatanga kuwedzera mutero wokunonoka kubhadhara. Ndakashaya kuti ndoita sei.”

Kushandisa Kadhi Rechikwereti Kwakanaka

Kristin akadzidza nenzira yakaoma kuti zviya zvokuti “tenga iye zvino, wozobhadhara gare gare” zvinogona kuva nenjodzi. Zvikwereti zvinogona kuwanda zvikuru nokukurumidza, uye usingazvifungiri, mari yaunonzi ubhadhare mwedzi nomwedzi ingava iri yomutero, shoma iri yechikwereti chako. Vanoshandisa makadhi echikwereti zvakanaka vanodzivisa sei kuwira mumusungo uyu wezvemari?

● Vanonyora pasi zvinhu zvavanotenga uye vanonyatsotarisa pasitatimendi yavo yomwedzi nomwedzi kuti vave nechokwadi chokuti vari kuchajwa mari yezvavakatenga chete.

● Vanobhadhara zvikwereti zvavo nokukurumidza, vachiziva kuti vakava nenhoroondo yokubhadhara chikwereti zvakanaka zvingangozovabatsira gare gare—zvichida kana vava kutsvaga basa kana kuti vachida inishuwarenzi kana kuti vachida mari yokutenga motokari kana kuti imba.

● Kana zvichibvira, vanobhadhara chikwereti chavo chose kuitira kuti vasachajwe mutero wakakura pamari inenge yasara kubviswa.

● Havapi nhamba dzekadhi ravo rechikwereti kana zuva rokupera kushanda kwekadhi neparunhare kutoti vachiziva munhu wacho kana kambani yavari kushanda nayo.

● Havambofa vakapa kadhi ravo rechikwereti kuna ani zvake, kunyange shamwari. Nokutika inhoroondo yomuridzi wekadhi inokanganiswa kana kadhi rikashandiswa zvisina kunaka.

● Vanodzivisa kushandisa kadhi ravo rechikwereti senzira yokuwana nayo mari nokukurumidza, sokunge kuti ikadhi rokubhangi. Yeuka, kupiwa keshi kakawanda kune mari yomutero yakawanda kukunda kutenga.

● Havanyori ndokutumira mafomu okukumbira kadhi rechikwereti ose avanogamuchira. Kuvechiduku vakawanda, kadhi rimwe chete rakakwana.

● Vanoshandisa kadhi ravo rechikwereti nokungwarira, vachinyatsoziva kuti kana vakatenga naro, vachiri kushandisa mari chaiyo, kunyange vasiri kushandisa mari yepepa kana yesirivha.

Kubatsirwa Naro

Chero uine kadhi rechikwereti iye zvino kana kuti uri kufunga kuzova naro munguva pfupi iri kutevera, nyatsoziva zvose zviri zviviri kubatsira uye njodzi dziripo. Zvibvunze mibvunzo inotevera: Nei ndichifunga kuti ndinoda kadhi rechikwereti? Kungoda kuti ndiwane zvinhu zvokunyama, kuti ndiwane zviri mufashoni, kuti ndionekwe neshamwari dzangu here? Ndinofanira kudzidza kunyatsogutsikana nezvinokosha here, izvo zvakanzi nomuapostora wechiKristu Pauro “zvokudya nezvokupfeka”? (1 Timoti 6:8) Zvikwereti zvekadhi rechikwereti zvichanditungamirira mumatambudziko ezvemari achanditadzisa kuona zvinhu zvinonyanya kukosha muupenyu here?—Mateu 6:33; VaFiripi 1:8-11.

Fungisisa mibvunzo iyi, uye ikurukure nevabereki vako. Kana ukadaro, chero uine kadhi rechikwereti kana kuti kwete, uchadzivisa kutemwa nomusoro nenyaya dzezvemari uko vamwe vakazvitsvakira.—Zvirevo 22:3.

[Mashoko Omuzasi]

[Bhokisi riri papeji 30]

Kukosha Kwekubvumidzwa Navabereki

Vechiduku vakawanda vanotanga kupiwa mukana wokuva nekadhi ravo rechikwereti pavanowana fomu rokukumbira kadhi mutsamba. Kutaura zvazviri, munguva yakati rebei, vamwe vanogamuchira mamwe mafomu anoverengeka. “Makambani anopa makadhi echikwereti ari kukwikwidzana kuti ape vechiduku makadhi,” anotsanangura kudaro Jane Bryant Quinn, “nokuti kuongorora kwakaratidza kuti tinenge tinonyanya kuchengeta kadhi ratinotanga naro.”

Kakawanda mubereki kana mumwe munhu akura ane nhoroondo yokubhadhara chikwereti zvakanaka anofanira kusaina fomu rokukumbira kadhi kuti vanopa kadhi vave nechokwadi chokuti zvichatengwa zvichabhadharwa. Zvinosuruvarisa kuti vechiduku vakawanda vanoita zvechitsotsi ndokusvetuka danho iri. Mumwe wechiduku akanyora zita rambuya vake kuti ndivo vaiva muridzi chaiye wekadhi uye zita rake somunhu wechipiri ambuya vake vasingazvizivi. Fungidzira kushamiswa kwambuya vake apo vakaziva kuti vakanga vane chikwereti chaisvika makumi ezviuru zvamadhora!

Kunyorera siginicha yomubereki kana kuti mumwe munhu akura pafomu rokukumbira kadhi rechikwereti kusatendeseka, uye kusatendeseka kunoshorwa naMwari. (Zvirevo 11:1; VaHebheru 13:18) Saka kana uchida kadhi rechikwereti, taura navabereki vako nezvazvo. Munguva inotevera zvinozova nani kwauri kana vakakubvumidza. Yeuka, zvichida vabereki vako vane ruzivo mukubhadhara zvikwereti, uye vanogona kukupa mazano anobatsira. Saka taura navo, uye usamboita zvechitsotsi kuti uwane kadhi rechikwereti.

[Mufananidzo uri papeji 31]

Kushandisa kusina muganhu kadhi rechikwereti kunogona kutungamirira kungwavaira mune zvemari