1. Chikwereti:

   • Zvinokonzeresa chikwereti.

     • Munguva yaNehemiya, vamwe vanhu vakanga vapinda muchikwereti kuti vadyise mhuri yavo yakakura ( Nehemiya 5:2 ), kuti vawane chikafu pavanenge vaita goho rakashata ( Nehemiya 5:3 ), kana kuti kubhadhara mitero yavo(Nehemiya 5:4).

     • Chii chinoita kuti vanhu vapinde muchikwereti mazuva ano?

       1. Kusaziva. Havazivi nheyo dzeBhaibheri uye dzenyika pamusoro pemari.

       2. Chindini. Vanoda kuva nezvinhu zvakawanda kana kuti kugutsa zvishuvo zvoudyire.

       3. Zvinodikanwa. Vanogona kunge vasina mari yakakwana yekubhadhara zvinodikanwa zvavo zvinokosha, kana kuti chimwe chinhu chisingatarisirwi chingave chakavakanganisa.

   • Ko chikwereti chitema here?

     • Chikwereti hachisi chivi. Zvisinei, dzimwe nguva chikwereti chinogona kunge chiri mugumisiro wechivi:

       1. Makaro nemhindu (VaKorose 3:5; Izikiyeri 18:10-13)

       2. Ruchiva (1 Timotio 6:9; 1 John 2:15)

       3. Chitsotsi (Mapisarema 101:7; Maraki 3:5)

       4. Kuda mari (1 Timotio 6:10)

       5. Kusatendeka muzvegumi nezvipo(Maraki 3:7-10)

     • Kana chimwe chezvivi izvozvo chikaita kuti tipinde muchikwereti, tinofanira kutanga tatsvaka kukanganwirwa naMwari uye kuti Atibatsire kusiya chivi chedu.

     • Mwari anoda kuti tive tisina zvikwereti, saka akatipa mazano anobatsira muShoko Rake. Zano rakakosha kuisa kutendeka kwedu kuna Mwari uye nekudzorera chegumi chedu nemipiro yedu.

   • Tingabuda sei muchikwereti.

     • Edza kubhadhara chikwereti chako nekukurumidza, usati wanyura muchikwereti zvekuti hauchakwanisa kuchibhadhara zvakare.

     • Kuzvipira kwako kuna Mwari kuchabatsira, ramba wakatendeka kuna Mwari pachegumi chako. Zvadaro, tevera matanho anotevera:

       1. Danho rekutanga: Usawedzera chimwe chikwereti pane chaunacho zvino chero nenzira ipi zvayo.

       2. Danho repiri: Kana Mwari nemari yakapfuuridza, usaishandise. Ishandise kubhadhara chikwereti chako.

       3. Danho retatu: Ronga zvikwereti zvako kubva pachikuru kusvika pachidiki.

          1. Tanga kubhadhara chikwereti chiduku uye ubvise mari yakawanda pane inotarisirwa.

          2. Kana chikwereti chidiki chabhadharwa zvizere, shandisa mari yawanga uchishandisa pakuchibhadhara, woiwedzera mukuderedza chinotevera.

          3. Nenzira iyi, iwe unozopedzisira uine mari yakawanda yaunogona kushandisa

kubhadhara chikwereti chikuru chasara.

2. Dzimwe nyaya dzezvemari:

   • Rubatso nezvirongwa zvekupfuma nekuchimbidza.

     • Mwari haadi kuti vana Vake vave nemutoro wekubhadhara zvikwereti zvevamwe vanhu uye zvavanosungirwa kuti vaite (Zvirevo 6:1-5), kwete kunyange chikwereti chevarombo.

     • Tinogona kubatsira vanotambura kuti vabhadhare chikwereti chavo kana tikava nemukana iwoyo ( Zvirevo 3:28 ), asi hatimbofaniri kuva nemutoro kana kuisa rubatso pachikwereti chavo.

     • Ukuwo, kuedza kupfuma nokukurumidza ndiko kunokonzera matambudziko emari ( Zvirevo 28:20; 1Timotio 6:9 ). Nzira dzese dzinovimbisa mubairo unokurumidza kusinga davirike dzine hutsotsi mukati (senge mapiramidhi kana hutsotsi) kana kureva njodzi yakawandisa inogona kukutungamirira kukudonha munyaya dzemari. Ngative vakangwara.

   • Zvikwereti(Loans).

     • MuMutemo waMozisi, Mwari Akabvuma kuti zvikwereti(loans) zvaikosha. Zvisinei, Akaganhurira zvikwereti(loans) kuguma nemakore manomwe (Deuteronomio 15:1-5).

     • Kukumbira chikwereti(loan) hachisi chivi. Nekudaro, chikwereti(loan) chinofanira kunge chiri chinhu chekupedzisira kufunga nezvacho uye chisingadzivisiki. Semuenzaniso, kutenga imba kana zvimwe zvinhu zvinonyanya kukosha asi zvinodhura kupfuura zvatingakwanisi kubhadhara munguva pfupi.

     • Mune izvo zviitiko, isu tinofanirwa kugara tichitsvaga mhinduro yakanakisa (kuwana mhindu yakanakisa, kukumbira shoma shoma inokwanisika…).