“Nyɛsɛɛ nɛɛ, mitee shwapo ko mli akɛ miyakwɛ nibii ni yɔɔ jɛmɛ lɛ. Be ni mijeɔ kpo lɛ, mihe nɔ ko ni jara wa ni mikpɛko miyiŋ akɛ mahe!”​—Colin.

Colin kpɛlɛ nɔ akɛ eyɛ naagba yɛ bɔ ni efiteɔ shika lɛ he. Ani nakai eji yɛ ogbɛfaŋ? Kɛ́ nakai lɛ, no lɛ, sane nɛɛ baanyɛ awa bo waa.

•  Mɛni hewɔ esa akɛ ohã ojwɛŋmɔ ahi bɔ ni ofiteɔ shika ohãa lɛ nɔ?

•  Bɔ ni obaafee lɛ ohã

•  Nɔ ni otipɛŋfoi kɛɔ

Afo Atã: Kɛ́ ohã ojwɛŋmɔ hi bɔ ni ofiteɔ shika ohãa lɛ nɔ lɛ, onyɛŋ ofee nibii ni osumɔɔ.

Anɔkwa Sane: Kɛ́ ohã ojwɛŋmɔ hi bɔ ni ofiteɔ shika ohãa lɛ nɔ lɛ, obaanyɛ ofee nɔ fɛɛ nɔ ni osumɔɔ moŋ. Wolo ko (I’m Broke! The Money Handbook) wie akɛ: “Kɛ́ ole shika he nii waa lɛ, ebaaye ebua bo ni oná shika babaoo kɛhé nibii ni otaoɔ bianɛ kɛ wɔsɛɛ.”

Susumɔ he okwɛ: Kɛ́ ojwɛŋmɔ hi bɔ ni ofiteɔ shika ohãa nɔ lɛ . . .

• Shika he ehiaŋ bo. Oblayoo ko ni atsɛɔ lɛ Inez lɛ wie akɛ: “Wɔsɛɛ lɛ masumɔ ni mafã gbɛ kɛya South America. Kɛ́ mikɛ shika miito lɛ, mihãa oti nɛɛ hiɔ mijwɛŋmɔ mli.”

• Obaamɔ nyɔmɔ fioo (loo omɔŋ eko kwraa). Biblia lɛ kɛɛ: “Mɔ ni yafaa nii lɛ, eji nyɔŋ kɛhã mɔ ni faa lɛ nii lɛ.” (Abɛi 22:7) Oblayoo ko ni atsɛɔ lɛ Anna lɛ kpɛlɛɔ sane nɛɛ nɔ. Ewie akɛ: “Kɛ́ ohiɛ nyɔmɔ lɛ, ohe ejɔɔɔ bo. Shi kɛ́ ohiɛɛɛ nyɔmɔ lɛ, ojwɛŋmɔ hiɔ otii ni okɛmamɔ ohiɛ lɛ anɔ.”

• Etsɔɔ akɛ oda. Kɛ́ ohã ojwɛŋmɔ hi bɔ ni ofiteɔ shika ohãa nɔ lɛ, eyeɔ ebuaa bo kɛ́ oda. Oblayoo ko ni atsɛɔ lɛ Jean ni eye afii 20 lɛ wie akɛ: “Eji tsɔsemɔ kpakpa kɛhã wɔsɛɛ, ejaakɛ mi diɛŋtsɛ makwɛ mihe yɛ nakai beiaŋ. “Miibɔ mɔdɛŋ koni makwɛ bɔ ni mifiteɔ shika mihãa lɛ jogbaŋŋ, koni male feemɔ waa wɔsɛɛ.”

Sane lɛ nɔŋŋ ji akɛ: Wolo ko (The Complete Guide to Personal Finance: For Teenagers and College Students) wie akɛ, “Kɛ́ onyɛ okwɛ oshika nɔ jogbaŋŋ lɛ, wɔsɛɛ kɛ́ oda ni obɛ mɔ ko shishi lɛ, onáŋ naagbai. Nyɛmɔ ni hãa anyɛɔ akwɛɔ shika nɔ jogbaŋŋ lɛ ji dromɔ keenii ni baaye abua bo owala gbii abɔ fɛɛ.”

Yɔsemɔ nibii ni hãa oshika tãa. Kɛ́ oshika tãa mramra lɛ, klɛŋklɛŋ lɛ, taomɔ nɔ ni hãa ebaa lɛ nakai. Mɛi komɛi lɛ, nihemɔ yɛ intanɛt lɛ nɔ ji nɔ ni yeɔ amɛshika. Mɛi komɛi hu agbɛfaŋ lɛ, nibii bibii ahemɔ hãa amɛshika tãa dani nyɔɔŋ lɛ po gboɔ!

“Nibii bibii ni mikɛ shika feɔ daa gbi lɛ hãa mifiteɔ shika. Nibii nɛɛ ekomɛi ji nɔ ko ni mahe kɛke mɔ ko, kɔfi hemɔ, niyenii ko ni mikpɛko miyiŋ akɛ mahe ni mihe​—nyɔɔŋ kome sɛɛ lɛ, mihiɛ feɔ mi yaa ni mibiɔ mihe akɛ, nɛgbɛ shika babaoo nɛɛ etsɔ!”​—Hailey.

Too oshika he gbɛjianɔ. Biblia lɛ kɛɛ: “Mɔdɛŋbɔlɔ gbɛjianɔtoi baaye omanye kɛ̃.” (Abɛi 21:5) Kɛ́ oto oshika he gbɛjianɔ lɛ, ofiteŋ shika babaoo fe bɔ ni onaa.

“Kɛ́ ofiteɔ shika babaoo fe bɔ ni onaa lɛ, taomɔ nɔ ni hãa ebaa lɛ nakai lɛ koni okpa nibii ni he ehiaaa bo lɛ ahemɔ. Gbɔ nibii ni okɛ shika feɔ lɛ nɔ kɛyashi shika ni onaa lɛ baafa fe nɔ ni ofiteɔ lɛ.”​—Danielle.

Kɛ́ okpɛ yiŋ lɛ tsu he nii. Obaanyɛ otsɔ gbɛi srɔtoi anɔ ohã ohiɛ ahi ohe nɔ yɛ shika ni ofiteɔ lɛ nɔ koni okafite shika bɔ ni esaaa. Ŋaawoi ni nyiɛ sɛɛ nɛɛ eye ebua oblahii kɛ oblayei komɛi:

• “Bei pii lɛ, mikɛ mishika yatoɔ bank ejaakɛ kɛ́ mihiɛ lɛ, mafite lɛ.”​—David.

• “Kɛ́ miyahe nii yɛ shwapo ko mli lɛ, mikɛ shika fioo ko pɛ woɔ mihe. Enɛ yeɔ ebuaa mi koni mikafite shika fe bɔ ni mikpɛ miyiŋ lɛ.”​—Ellen.

• “Kɛ́ mikpɛ miyiŋ akɛ miyahe nɔ ko ni mito mitsui shi lɛ, eyeɔ ebuaa mi ni misusuɔ nɔ ni mitaoɔ mahe lɛ he jogbaŋŋ kɛji ehe miihia mi loo ehe ehiaaa mi.”​—Jesiah.

• “Ehe ehiaaa ni maya henaabuamɔ fɛɛ henaabuamɔ shishi! Kɛ́ mibɛ shika ni mikɛbaaya lɛ, naagba bɛ he akɛ makɛɛ akɛ minyɛŋ maya.”​—Jennifer.

Sane lɛ nɔŋŋ ji akɛ: Eji hiɛdɔɔ sane akɛ ojwɛŋmɔ baahi shika abɔ ni ofiteɔ lɛ nɔ. Nakai ji bɔ ni Colin, ni atsĩ eta kɛtsɔ hiɛ lɛ bayɔse, ewie akɛ. “Kɛ́ matsɔ weku yitso be ko lɛ, no lɛ esaaa akɛ mifiteɔ shika amrɔ nɛɛ! Kɛ́ mifiteɔ shika bianɛ ni miji oshijafo lɛ, no lɛ, kɛ́ mibote gbalashihilɛ mli lɛ ebaafee naagba.”