Intsha Iyabuza . . .

Ngingayiphatha Kanjani Imali Yami?

UZIZWA kanjani ngemali? Ingabe ingokuthile ongakusebenzisa ngendlela oyithandayo? Okuthile okumelwe kulondolozwe noma ngisho kugcinwe? Ngokusobala, ngenxa yokwazi ukuthi abazali bayo bakhona ukuze bayinakekele, intsha eningi ayicabangi ngemali—ngaphandle nje kokuthi ingayisebenzisa kanjani.

Nokho, ungase ungabi nabo ngaso sonke isikhathi abazali abangasebenza njengesivikelo. Ngaphezu kwalokho, iqiniso lokuthi unetoho langemva kwesikole noma ngisho neholo elingumthanyana alisho ukuthi ungayisaphaza imali. IBhayibheli liyaxwayisa: “Amehlo akho ayandizela kulokho [okuyimali] kepha akusekho ngokuba kuyazenzela impela amaphiko njengokhozi olundizela ezulwini.” (IzAga 23:5) Ungayivikela kanjani imali yakho ukuba ‘ingandizi’? Okokuqala, kumelwe ukuqonde konke okuphathelene nemali.

Imali—Isizathu Sokubaluleka Kwayo

Imali iyindlela yokuhwebelana—futhi iyindlela enamandla kulokho. IEncyclopcedia Britannica ithi “imali iwukuphela kwento ongathola noma yini ngayo.” Ngokwesibonelo, umsakazo wakho ungacatshangelwa njengempahla ebalulekile (okuthile okuyigugu). Kodwa ake ucabange lapho uzama ukuyithengisa noma ukwenana isinkwa ngayo. Umsakazo ungaledlula kakhulu inani lesinkwa. Kodwa uma umnikazi webhikawozi engawufuni umsakazo wakho, cishe akunakwenzeka ukuthi akunikeze isinkwa ngawo. Umsakazo wakho nawo ungase nje ube yinto engenalusizo! Nokho, imali cishe yaziswa emhlabeni wo-nke.a Kanjalo kungashintshaniswa ngayo noma yiziphi izimpahla noma izinkonzo ozifisayo kalula nangokushesha.

Khona-ke, ngokuhlakanipha uSolomoni kumShumayeli 7:12, (NW) uthi: “Imali eyokuzivikela.” Kanjalo imali iyisihluthulelo sokuba nezinto ezidingekile ekuphileni kanye neziningi zezinjabulo zokuphila. Njengoba uSolomoni aqhubeka ethi: “Itafula linezinjabulo zalo, newayini lenza ukuphila okujabulisayo; futhi imali iyimbangela yakho konke.”—UmShumayeli 10:19, The New English Bible.

Kodwa, imali ayitholakali kalula ngaso sonke isikhathi. Abazali abaningi abanayo imithombo enganqamuki yemali; kumelwe bakusebenzele kanzima lokho abakuhlanganyela nawe. USolomoni wabuza: “Ngokuba umuntu unanzuzoni yawo wonke umshikashika wakhe?” (UmShumayeli 2:22) Abazali bakho bangase bathole ukwaneliseka okuncane—futhi nomholo omncane—ngomsebenzi wabo onzima. Phela, abazali abaningi basebenza kusukela ekuseni kuze kube sebusuku ukuze nje banikeze imikhaya yabo izidingo eziyisisekelo!

Khona-ke, imali akumelwe ithathwe kalula. Kumelwe ibhekwe ngenhlonipho futhi iphathwe ngokuhlakanipha. Enye indlela yokukwenza lokho ukufunda ukuhlela imali yakho.

Ukubaluleka Kokuhlela Imali

Ukuhlela imali kumane nje kuyindlela yokulawula ukusetshenziswa nokugcinwa kwemali yakho. Umagazini i’Teen wango-May 1985 waphawula: “Ukuthola ukuthi ama-dollar akho onke ‘anyamalala’ aye kuphi kuyisinyathelo sokuqala esiya ekwazini ukulawula imali yakho nokuzivumelanisa nokuhlelwa kwemali okuyokusiza.” Ngakho, qala wenze uhlu lwazo zonke izindleko ozilindele—ukudla kwasemini, izinto zokuhamba, ukuzijabulisa, nokunye. Ngokulandelayo, gcina ukwaziswa okuqondile ngezindleko inyanga eyodwa noma ngaphezulu. Manje ususesimweni sokwenza imigomo enengqondo nengokoqobo yokusebenzisa nokonga imali.

Lapho nje sekwenziwe lokhu, ungazama ukuthatha izimvilophu bese uzibhala amagama ngohlobo ngalunye lwezindleko. Ngokwesibonelo, enye imvilophu ingabhalwa ukuthi “Imali Yokudla Kwasemini,” kanti enye ingabhalwa okuthile okuzothengwa ngokulandelayo, njengokuthi “Ibhulawuzi Elisha” noma “Iyembe Elisha.” Lapho wamukela iholo lakho, faka imali yakho ezimvilophini ngokwemigomo yakho yokuyisebenzisa oyimisile. Lapho izindleko ziphakama zikhokhele ngemali esezimvilophini ezifanele.b

Wake wazama yini ukulandela uhlelo lwemali wase uhluleka? Awuwedwa. ULeah, omusha osekhulile, wathi: “Ngazama ukuhlela imali yami izikhathi eziningana, kodwa anginamatheli kahle kulokhu kuhlela.” Nokho, uyavuma: “Lapho ngiyihlelile imali, ngonga kangcono. Angizithengi izinto engingazidingi.” Siyini isihluthulelo sokuphumelela? Ukuzithiba. Yenza isinqumo bese ubambelela kuso! Futhi, zizwe ukhululekile ukuba uthandaze kuJehova ukuze akusize ukuba ulawule noma imiphi imikhuba yokusaphaza imali.—Luka 11:13.

Ngokuthakazelisayo, umphostoli uPawulu wasikisela ukuthi amaKristu aseKorinte “ahlele” enye yemali yawo, ethi: “Ngosuku lokuqala lweviki akube-yilowo nalowo azibekelele eqongelela.” (1 Korinte 16:1, 2) Khona-ke, imali yanikelwa esikhwameni esikhethekile samaKristu aswelayo. Akungabazeki ukuthi kwadingeka ukuzithiba kwangempela ngalawomaKristu aseKorinte ukuze alandele ukusikisela kukaPawulu, kodwa izibusiso zenza umzamo onjalo waba ofanelekile!

Nawe futhi ngokungangabazeki uyozuza ekunamatheleni ekuhlelweni kwemali. Osemusha obizwa ngokuthi uAvian uthi: “Ngangifana nalowo ophawulwe kuzAga 21:5, ‘ophangisayo’ ‘nosekusweleni’ ngaphambi kosuku lokuhola olulandelayo. Ukuhlela imali kungenza ngibe onomthwalo wemfanelo ngokwengeziwe.”

Yiba Oqaphile Ngesikweleti

“Thenga manje, ukhokhe kamuva!” kukhuthaza abathengisi abaningi. Uma sisetshenziswa ngokuqaphela nangokuhlakanipha, ngempela isikweleti sinendawo yaso. Nokho, uma sisetshenziswa budedengu, isikweleti singaba yilokho uKevin osemusha akubiza ngokuthi “uhlobo lobugqila.”—Qhathanisa nezAga 22:7.

Ngenye intsha, isikweleti simane senza kube lula kakhulu ukuthenga izinto engazidinga noma engenakuzithenga. Futhi uma ungayikhokhi imali esele ekupheleni kwenyanga, ukhokhiswa intela kulokho okukweletayo. Lapho uthatha isikhathi eside ukukhokha, yilapho into igcina ibiza kakhulu. Ngakho-ke, ekugcineni kushibhile ukulondoloza imali yalokho okudingayo bese ukukhokhela ngaleso sikhathi.

‘Imali Elondoloziwe . . .’

Owesifazane osemusha obizwa ngokuthi uPhyllis waphawula: “Ngeke sazi ukuthi ubunzima buyosifikela nini futhi siyodinga ukuba nemali elondoloziwe.” (Qhathanisa nomShumayeli 9:11.) Yebo, ungase ugule futhi ungakwazi ukubambelela emsebenzini. Abazali bakho nabo bangase behlelwe izikhathi ezinzima futhi bahluleke ukukunika imali oyinqunyelwe. Kanjalo kunengqondo ukuhlanganisa ohlelweni lwakho lwemali inani lemali eyobekelwa eceleni njengelondoloziwe. Lokhu kungakusiza ukuba umelane nesivunguvungu sezimali kalula kakhulu.

Manje isikoqokoqo singase sibonakale njengendawo enhle yakho yokulondoloza imali yakho. Nokho, uJesu wakhuluma ngokufaka imali ebhange lapho ingathola khona intela futhi yande. (Mathewu 25:27) Khona-ke, kungani ungaxoxi nabazali bakho ngokuhlakanipha kokuvula iakhawunti yakho yokulondoloza imali ebhange? Akudingeki ube nemali eningi kakhulu ukuze wenze uhlelo lokulondoloza imali lusebenze, nakuba kwezinye izindawo kufuneka imali eyanele ukuze kugwenywe inkokhiso ngenkonzo oyenzelwe. Isihluthulelo sokuphumelela siwukuyifaka njalo imali ebhange.

Nokho, kuthiwani uma umkhaya wakini umpofu noma uma uhlala ezweni elingamile kahle kwezomnotho lapho intsha ingavamisanga ukuba nemali yayo siqu engayisebenzisa? Noma kunjalo, umkhaya wakini usenazo izinto ezithile zenani, nakuba ungase ubonakale uswela. Kodwa uma isimo sakho ngempahla yasekhaya siwukuthi njengoba uyithola kalula uzoyisaphaza, uphikisana nezithakazelo zakho nezomkhaya wakini. Ngokuqinisekile, ngeke uthande ukuzibonakalisa “ungongabongi” lapho kuziwa ezintweni abazali bakho abazisebenzela kanzima.—IzAga 29:21, NW.

Ngakho bonisa isimo sokukhathalela ngasemalini—ngisho nalapho unemali encane noma ungenayo okungeyakho. Ngokwesibonelo, ungakugwema ukusaphaza izinto ezinjengokudla. (Bheka uJohane 6:12, 13.) Yazisa izinto ezingashintsheki kalula nezibizayo, njengezibuko zamehlo kanye nempahla yesikole. Ngokungangabazeki abazali bakho bayokwazisa kakhulu ukunakekela kwakho kulokhu.

IzAga 11:28 ziyasikhumbuza: “Owethemba ingcebo yakhe uyakuwa, kepha abalungileyo bayakuhluma njengamaqabunga aluhlaza.” Imali kumelwe isize ekunakekeleni izidingo zethu. Kodwa umKristu akumelwe abe matasa ngokufuna ukuceba. Njengoba osemusha obizwa ngokuthi uMatthew ekubeka: “Imali inendawo yayo, kodwa ayikhona konke.” Imane nje iyithuluzi, yebo, “isivikelo.” (UmShumayeli 7:12) Funda ukuyisebenzisa ngokuhlakanipha, ngokunengqondo. Isihloko sesikhathi esilandelayo sizochaza indlela ongasebenzisa ngayo imali yakho ngokuhlakanipha ukuze unakekele izibopho zakho siqu nezomkhaya.

[Imibhalo yaphansi]

[Amazwi acashunwe esihlokweni ekhasini 20]

“Lapho ngiyihlelile imali, ngonga kangcono. Angizithengi izinto engingazidingi”

[Isithombe ekhasini 21]

Intsha ekhathalelayo ngokuhlakanipha iyayigcina enye yemali yayo