Kodi panopa mukumapeza ndalama zochepa chifukwa cha mavuto azachuma? Miliri, ngozi zam’chilengedwe, mavuto azandale komanso nkhondo, zingayambitse mavuto azachuma. Mavuto azachuma akabwera mwadzidzidzi zimadetsa nkhawa, koma mfundo za m’Baibulo zingakuthandizeni kuti muzitha kugwiritsa ntchito ndalama zochepa.

Mfundo ya m’Baibulo: ‘Ndaphunzira . . . kukhala ndi zochuluka, ndi kukhala wosowa.’—Afilipi 4:12.

Ngakhale kuti panopa mumapeza ndalama zochepa, mukhoza kusintha n’kumagwiritsa ntchito bwinobwino ndalama zochepa zomwezo. Mukavomereza mwamsanga mmene zinthu zasinthira pamoyo wanu inunso n’kusintha, simudzavutika kuzolowera moyo watsopano pamodzi ndi banja lanu.

Fufuzani ngati boma kapena mabungwe ena akupereka thandizo lililonse. Ngati zimenezi ziliko muzichita zinthu mwamsanga chifukwa kawirikawiri nthawi yolembetsa imakhala yochepa.

Mfundo ya m’Baibulo: “Zolingalira sizikwaniritsidwa ngati anthu sakambirana moona mtima, koma aphungu akachuluka zimakwaniritsidwa.”—Miyambo 15:22.

Muzikambirana nkhaniyi ndi mwamuna kapena mkazi wanu, komanso ana anu. Kukambirana momasuka kungathandize kuti aliyense m’banja mwanu amvetse bwino ndi kuvomereza mosavuta zimene mukufuna kusintha. Aliyense akamayesetsa kusamala zinthu, ndalama yochepa yomwe muli nayo ikhoza kukufikitsani patali.

Mfundo ya m’Baibulo: ‘Muzikhala pansi ndi kuwerengera ndalama zimene mudzawononge.’—Luka 14:28.

Ngati panopa mukupeza ndalama zochepa, chinthu chofunika kwambiri ndi kudziwa mmene mukugwiritsira ntchito ndalama zanu zonse. Popanga bajeti, muziyamba ndi kulemba ndalama zimene muzipeza pa mwezi malinga ndi mmene zinthu ziliri panopa. Kenako, muzilemba zinthu zimene mumagula mwezi uliwonse ngakhale kuti mukudziwa kuti zikuyenera kusintha. Muzisunga ndalama ina yoti muzitha kuigwiritsa ntchito pakachitika zinthu zosayembekezereka.

Zimene zingakuthandizeni: Mukamawerengera zinthu zimene mumagula, musamaiwale tinthu ting’onoting’ono. Mukhoza kudabwa kuona ndalama zimene zimalowa pa tinthu ngati timeneti. Mwachitsanzo, munthu wina atawerengetsera ndalama zimene amagwiritsa ntchito, anadabwa kuona kuchuluka kwa ndalama zimene ankagwiritsa ntchito chaka chilichonse pogulira chingamu.

Mfundo ya m’Baibulo: “Muzitsimikizira kuti zinthu zofunika kwambiri ndi ziti.”—Afilipi 1:10.

Yerekezerani ndalama zimene mumapeza ndi kuchuluka kwa zinthu zimene mumagula, n’kuona zimene mungachepetse kapena kuchotsa. Zimenezi zikuthandizani kuti musamagwiritse ntchito ndalama yopitirira pa bajeti yanu. Onani ndalama zimene mumagwiritsa ntchito pa zinthu zotsatirazi:

• Mayendedwe. Ngati muli ndi magalimoto angapo, kodi mungagulitse ina? Ngati muli ndi galimoto yapamwamba, kodi mungasinthe n’kuyamba kuyendera yosakuwonongerani ndalama zambiri? Kodi n’zotheka kugwiritsa ntchito basi, minibasi kapenanso njinga m’malo moyendera galimoto yanuyanu?

• Zosangalatsa. Kodi mungasiye kaye kugwiritsa ntchito masetilaiti kapena matchanelo a TV olipira, n’kuyamba kugwiritsa ntchito aulere kapenanso otchipa? Mwachitsanzo, mukhoza kukabwereka mafilimu, mabuku ndi zinthu zina zongomvetsera.

• Madzi, Magetsi ndi Zina. Mukambirane ndi banja lanu zimene mungachite kuti musamawononge kwambiri zinthu monga madzi, magetsi, mafuta a galimoto ndi makala. Kuzimitsa magetsi komanso kuchepetsa madzi osamba kungaoneke ngati nkhani yaing’ono, koma n’kothandiza kwambiri pa nkhani yosamala ndalama.

• Chakudya. Musamakonde kukadya ku lesitilanti, m’malo mwake muziphika nokha kunyumba. Muzidziwa zakudya zomwe mungagwiritse ntchito n’kuguliratu komanso ngati n’zotheka muziziphikiratu ndipo zikatsala muzizisunga. Muzilemberatu zinthu zimene mukufuna kukagula kuti musakagule zinthu zimene sizili pabajeti yanu. Muzikonda kugula zipatso komanso ndiwo zamasamba zimene zimalimidwa kwanuko chifukwa nthawi zambiri zimakhala zotchipa. Muzipewa kugula zakudya zosapatsa thanzi. Mwinanso mungachite bwino kulima dimba lamasamba.

• Zovala. Muzigula zovala ngati zina zayamba kutha osati kungofuna kukhala ndi fashoni yatsopano. Muzigula zovala zimene azitchipitsa kapena zovala zolimba zapakaunjika. Mukachapa zovala, muziyanika pachingwe osati kuumitsa m’mashini. Zimenezi zingathandize kuti musamagwiritse ntchito magetsi ambiri.

• Kugula Zinthu. Musanagule chinthu muzidzifunsa kuti: ‘Kodi ndikwanitsa? Kodi zinthuzi ndi zofunikadi?’ Ngati muli kale ndi zinthu monga magalimoto, zipangizo zamagetsi ndi katundu wina, kodi mungadikire kaye musanagule zatsopano? Kodi mungagulitse zinthu zomwe simukuzigwiritsa ntchito kapenanso zomwe simudzazifunanso? Zimenezi zingathandize kuti muzikhala moyo wosalira zambiri komanso kuti muzikhala ndi ndalama zokwanira.

Zimene zingakuthandizeni: Ndalama zimene mumapeza zikasintha mwadzidzidzi, mungachite bwino kusintha zinthu zina zimene zimakuwonongerani ndalama monga juga, kusuta fodya komanso kumwa mowa kwambiri. Zimenezi zingathandize kuti muzikhala ndi ndalama zokwanira komanso muzisangalala pamoyo wanu.

Mfundo ya m’Baibulo: “Odala ndi anthu amene amazindikira zosowa zawo zauzimu.”—Mateyu 5:3.

Baibulo limapereka malangizo abwino akuti: “Pakuti nzeru zimateteza monga mmene ndalama zimatetezera, koma ubwino wa kudziwa zinthu ndi wakuti nzeru zimasunga moyo wa eni nzeruzo.” (Mlaliki 7:12) Nzeru zimenezi zimapezeka m’Baibulo, ndipo anthu ambiri azindikira kuti akamatsatira malangizo a m’Baibulo zimawathandiza kuti asamadere nkhawa za ndalama.—Mateyu 6:31, 32.