Tinkinga temnotfo tikuphocelela kutsi uphile ngemali lencane yini? Tifo letingumshayabhuce, tehlakalo temvelo, tiyaluyalu tepolitiki kanye netimphi kungenta simo semnotfo sintengantenge kungakalindzeleki. Ngisho nobe kuphila ngemali lencane kucindzetela, liBhayibheli lisiniketa tintfo lesingatenta kuze sikhone kuphila.

 Simiso seliBhayibheli: “Ngifundze . . . [kwenetiseka] . . . ngisho nginalokunyenti nobe ngite lutfo.”​—KubaseFiliphi 4:12.

 Ngisho nobe utawuba nemali lencane kunasesikhatsini lesendlulile, ungafundza kuphila ngemali lonayo. Nawushesha kwemukela lesimo futsi uphila ngekuvumelana naso, wena nemndeni wakho nitawukhona kuchubeka nekuphila.

 Tfola kutsi nguluphi lusito loluniketwa nguhulumende nobe letinye tinhlangano longalutfola. Kuze utfole lolusito, kufanele wente tintfo ngekushesha ngobe kuba nesikhatsi lesilinganiselwe sekufaka sicelo sekutfola lusito.

 Simiso seliBhayibheli: “Emacebo akaphumeleli nangabe kute kubonisana, kodvwa ayaphumelela nangabe kunebeluleki labanyenti.”​—Taga 15:22.

 Coca naloshade naye kanye nebantfwana bakho ngalesimo. Kukhulumisana kahle kungasita onkhe emalunga emndeni acondze futsi asekele lendlela lensha yekuphila. Nangabe onkhe emalunga emndeni abambisana kuze onge futsi angamoshi, imali leninayo inganichuba sikhatsi lesidze.

 Simiso seliBhayibheli: ‘Hlala phansi ubale tindleko.’​—Lukha 14:28.

 Timo natikuphocelela kutsi uphile ngemali lencane, kubaluleke kakhulu kwati kutsi yonkhe imali uyisebentisa njani. Yakha luhlelo lwekusebentisa imali ngekutsi ucale ubhale yonkhe imali locabanga kutsi utayitfola njalo ngenyanga. Lokulandzelako, bhala tindleko tenyanga ngayinye kanye netintfo lovamise kutitsenga, ngisho nobe letinye tato utatishintja. Yetama kutsi kuloluhlelo lwakho lwemali lotayisebentisa njalo ngenyanga, kube nemadlana letsite lotayibekela eceleni kuze ikusite nakuvela timo letiphutfumako.

 Longakwenta: Njengobe ubhala luhlelo lwakho lwemali loyisebentisako, ungakhohlwa nekubhala imali loyisebentisa nawutsenga tintfo letincane letinganakeki. Kungakumangalisa kubona kutsi ingakanani imali loyicitsa kuletintfo ngekuhamba kwesikhatsi. Sibonelo nje, lenye indvodza yabhala phansi imali leyisebentisako nayitsenga, yatfola kutsi beyicitsa emakhulu ema-dollar njalo ngemnyaka itsenga i-chewing gum!

 Simiso seliBhayibheli: Niciniseke “ngetintfo letibaluleke kakhulu.”​—KubaseFiliphi 1:10.

 Catsanisa imali loyitfolako nemali loyisebentisako, bese ubuka tintfo longatidzingi nobe longatinciphisa kuze wonge imali. Hlola nati tintfo letilandzelako:

•   Kwekuhamba. Nangabe unetimoto letimbili nobe ngetulu, ungatitsengisa yini leletinye usale nayinye? Nangabe unemoto yakanokusho, ungayitsengisa yini bese utsenga leyongako? Ungasebentisa yini kwekuhamba kwemphakatsi nobe libhayisikili, nobe ube bete sanhlobo imoto?

•   Tekutijabulisa. Ungayekela yini kubhadalela tinhlelo te-TV kwesikhashana nobe ukhetse letingabiti kakhulu?

•   Tintfo Lesitisebentisako. Cocani njengemndeni kutsi yini leningayenta kuze ninciphise tindleko temanti, gesi kanye na-petrol. Kungakhanyisi etindzaweni lesingekho kuto nekungagezi ngemanti lamanyenti, kungabonakala kungasho lutfo, kodvwa kungonga imali lenyenti.

•   Kudla. Kunekuyokudla ema-restaurants, phekani kudla ekhaya. Hlelani kutsi yini lenitayipheka futsi nikutsenge niphindze nikupheke ngebunyenti naningakhona. Ningakulahli kudla lokusele, kodvwa ningaphindze nikusebentise. Tibhale phansi tintfo lofuna kutitsenga kuze ungatsengi tintfo longatidzingi. Tsenga titselo netibhidvo ngesikhatsi lokukunyenti ngaso futsi kushiphile. Ungakutsengi kudla lokungenamphilo. Ungalima nengadze.

•   Kwekugcoka. Tsenga timphahla nangabe setigugile lolonato, ungalandzeli ifashini. Tsenga nakunendali nobe utsenge timphahla letisebentile. Timo natikuvumela, yeneka timphahla takho ngephandle elangeni kunekusebentisa umshini kuze utomise.

•   Letinye Tintfo Lotatitsenga. Ngaphambi kwekutsi utsenge lokutsite, tibute: ‘Nginayo yini vele imali yekukutsenga? Ngiyakudzinga yini vele?’ Ungalindza yini sikhashana ngaphambi kwekutsi utsenge tintfo tasendlini letinsha, lucingo lolusha nobe imoto? Ngakulokunye, ungatitsengisa yini tintfo longasatisebentisi nobe longatidzingi? Kwenta njalo kungakusita uphile imphilo lemelula futsi wengete imadlana.

 Longakwenta: Nangabe imali loyitfolako seyiyincane kakhulu, kuyekela imikhuba leyingoti naledulile lenjengekubhema ligwayi, kugembula nobe kunatsa kakhulu tjwala, kungakusita wonge. Kwenta lolushintjo kungakusita wonge imali futsi uphile sikhatsi lesidze.

 Simiso seliBhayibheli: “Bayajabula labo labanakisisa tintfo letiphatselene naNkulunkulu.”​—Matewu 5:3.

 LiBhayibheli lisiniketa nasi seluleko lesihlakaniphile: “Kuhlakanipha kusivikelo njengobe nje nemali isivikelo, kodvwa lokuhle ngelwati nangekuhlakanipha kutsi kulondvolota kuphila kwalabo labanako.” (Umshumayeli 7:12) Lokuhlakanipha kutfolakala eBhayibhelini futsi bantfu labanyenti batfole kutsi kusebentisa sicondziso salo kubasite babalekela kukhatsateka kakhulu ngenca yetinkinga temali.​—Matewu 6:31, 32.