Choncho, ngati mwakhumudwitsidwa ndikuganiziranso zoyenera kuchita ngati mwamuna wanu abisala malipiro anu, yesani khalidwe lanu. Onse awiri akhoza kukhala olakwa, mwamuna ndi inu. Kotero, tiyeni tiwone njira zingapo zomwe zimapangitsa kuti wokondedwa wanu asakuuzeni momwe amapezera ndi kubisala malipiro ake. Mwinanso amabisa ndalama chifukwa simukumulola kuti azigwiritse ntchito payekha. Dzifunseni nokha: bwanji mukuchita izi? Inde, zifukwa za izi zingakhale zofunikira kwambiri. Mwachitsanzo, mwamuna wanu amagwiritsira ntchito ndalama pocheza ndi anzanu ndi mowa, osamvetsera kuti ndalama zimayenera kulipirira nyumba, kugula chakudya ndi zinthu zina zambiri, zomwe sizingatheke kukhala ndi moyo. Pankhaniyi, mukhoza kumvetsetsa ndi kuthandizira. Koma chochita ndi khalidwe lake? Ngati wachinyamata ali ndi mavuto omwe ali ndi mowa, m'pofunika kulankhulana ndi akatswiri, chifukwa ndi zovuta kupirira matenda omwewo. Chilichonse chimene munganene, mwina sangakumverani. Koma ngati mwamuna amabisa ndalama chifukwa chakuti amasangalala ndi anzanu, yesetsani kumufotokozera zomwe walakwitsa. Kuti muchite izi, mukhoza kulemba mndandanda wa ndalama zomwe mumagula, zomwe mumagula kwa mwezi umodzi, ndipo ngakhale mutengereni zofufuza. Muuzeni wokondedwa wanu zomwe simukusowa, ndipo chifukwa chake mukumupempha kuti abwezere malipiro ake. Mukhoza kupereka njira ina: musiyeni ndalama zokha, koma panthawi imodzimodziyo mugule gawo la zinthu ndi zinthu. Mwachidziwikire, amavomereza njirayi ndipo pasanapite nthawi amvetsa chifukwa chake mumamupempha kuti akuuzeni za ndalama zomwe ali nazo. Ngati kukopa kwanu sikugwira ntchito ndipo sakusamala zomwe mumakhala, ndipo abwenzi nthawi zonse amadza, ndiye kuti mumayenera kuganizira za yemwe ali wofunika kwambiri kwa iye komanso ngati n'zotheka kupanga banja labwino ndi munthu woteroyo.
Palinso milandu pamene anyamata amathera ndalama pazinthu zomwe tingaganizire zosayenera ndi zopanda pake. Mwachibadwa, amayi nthawi zonse amasonyeza kusakondwa kwawo, ndipo amuna amangobisala izi. Zikatero, yankhani moona mtima kuti: Mukukwiyitsa, chifukwa kugula kwake kumakhudza kwambiri bajeti ya banja kapena mukukhumudwa chifukwa chakuti akupeza zinthu izi. Ngati mulibe zokwanira kuti mupeze moyo, kambiranani naye momwe ndalangizira kale. Koma ngati mumvetsetsa kuti mukumukwiyira chifukwa chakuti simukuwona zomwe mukupeza, ganizirani kuti zambiri zomwe timagula ndizosamvetsetseka kwa anyamata. Amadabwanso, bwanji kugula nsapato, jekete ndi zodzoladzola. Kumbukirani kuti amayi ndi abambo ali ndi zofunikira zosiyana. Timaganiza kuti tikusowa chovala chomwe chili ndi theka la malipiro, ndipo mnyamata akufuna kugula, mwachitsanzo, lupanga latsopano muzombo zake. Kotero, ngati inu mukudziwa kuti inu nokha simunadzitsutse nokha, ndiye mumvetse kuti mulibe ufulu wotsutsa mnyamata kugula chinachake chomwe chimamubweretsa chimwemwe chofanana ndi nsapato zatsopano kwa inu. Mfundo yakuti amabisa malipiro ake, sizikutanthauza kuti sakukukondani. Mnyamata wina anali atatopa ndi zofuna zake chifukwa cha zolakalaka zake zazing'ono ndipo adaganiza kuti ndibwino kuti musadziwe za iwo. Koma m'banja muli zovuta kubisa chinachake, kotero inu mumapeza za izo ndipo simukumva bwino. Pofuna kuthetsa mkangano woterewu, kambiranani ndi wokondedwa wanu, afotokozereni chifukwa chake mwachita izi ndikulonjeza kuti tsopano akhoza kukwanitsa kugonjetsa zokhumudwitsa zake, koma, ndithudi, osati phindu la bajeti. Ngati mwamunayo akuwona kuti mumakhala chete chifukwa cha zomwe amagwiritsira ntchito ndalama, posachedwa izo zidzangowonjezera tanthauzo la kubisala malipiro ake.
Inde, nthawi zambiri timaganiza kuti timadziwa bwino momwe tingagaŵire ndalama mopanda malire komanso kuti tisadye njala. Ndicho chifukwa amayi ambiri amafunsa ndipo amafunanso kuwapatsa malipiro awo onse. Koma kwenikweni, ife sitiri oyenera monga momwe timaganizira. Amuna amadziwanso momwe angagwiritsire ntchito ndalama. Ngakhale iwo ali olakwika, iwo amaphunzira kuchokera ku zolakwitsa zawo. Inde, pokhapokha tikawapatsa mwayi wophunzira. Choncho, ngati munthuyo akufuna kutaya ndalama zake, msiyeni iye achite zimenezo. Mungamuthandize ndi uphungu wabwino. Koma simukusowa kusonyeza malingaliro onse kuti iye samvetsa kanthu, koma inu muli mu chirichonse ndipo nthawizonse mumamvetsa. Komanso, musamadzudzule chifukwa chodandaula kwambiri pa zinthu zomwe simukuzimvetsa. Mwachitsanzo, kukonza galimoto. Ngakhale simukumvetsa momwe zing'onozing'ono zoterezi zingagwiritsire ntchito ndalama zambiri, sizikutanthauza kuti sangathe kukhala ndi mtengo wotere. Choncho yesetsani kudandaula za izi. Pamapeto pake, mwamuna wanu, mwinamwake, samakuphunzitsani zomwe zili bwino kugula, ndipo ndi nsalu yotani yomwe imayenera kavalidwe katsopano. Kotero inu mumayesa kuti musayankhule kumene inu simukukhoza mokwanira.
Ngati simunamvere chibwenzi chanu chifukwa cha chizoloŵezi chake, nthawi zambiri amakuuzani moona mtima momwe amalandira. Pazimenezi, kubisala malipiro, malankhulidwe ambiri sadzachitidwa. Ngati mupitilira "kumuwona" nthawi zonse, ndalamazo zimakhala zobisika komanso zosamakhulupirira.