{"id":3138640,"date":"2026-08-01T01:50:00","date_gmt":"2026-08-01T05:50:00","guid":{"rendered":"https:\/\/www.friendsjournal.org\/pesa-na-fedha-za-kimaadili-usiulize-usiseme\/"},"modified":"2026-08-01T01:55:10","modified_gmt":"2026-08-01T05:55:10","slug":"pesa-na-fedha-za-kimaadili-usiulize-usiseme","status":"publish","type":"post","link":"https:\/\/www.friendsjournal.org\/sw\/pesa-na-fedha-za-kimaadili-usiulize-usiseme\/","title":{"rendered":"Pesa na Fedha za Kimaadili? Usiulize, Usiseme"},"content":{"rendered":"\n
\"\"<\/a><\/figure>\n\n

Nakumbuka siku zangu za madeni na jinsi zilivyoisha ghafla siku moja. Kama msanii kuchu wa maonyesho ya mtu mmoja, nilikuwa na matatizo ya mtiririko wa pesa mara kwa mara, na kadi za mkopo zilinisaidia kupitia miezi michache, hata kadiri salio lilikuwa likizidi kuongezeka. Hata hivyo, makampuni ya kadi za mkopo yaliendelea kuongeza kikomo changu cha mkopo. <\/p>\n\n

Wakati mmoja, niliachisha kuangalia salio kwenye taarifa zilizojaa kabisa. Niliandika hundi kwa kiasi cha chini kabisa, kisha nikapuuza deni langu kwa mwezi mwingine. Ilikuwa toleo langu la ”usiulize, usiseme.” <\/p>\n\n

Kisha, baada ya zaidi ya miaka kumi ya madeni, nilipokea urithi ambao hatimaye uliniruhusu kulipa madeni yote na bado kuwa na pesa ya kuwekeza kwa ajili ya kustaafu.<\/p>\n\n

Unafikiria nini unaposikia neno urithi<\/em>? Mimi daima nimefikiria shangazi wa ajabu mwenye nyumba kubwa na banda la gari lenye farasi na magari ya kale, akimteua mpwa wake wa ajabu kuwa mrithi wa mali yake yote. <\/p>\n\n

Nilikulia katika familia ya Kimarekani wa Kiitalia ya tabaka la wafanyakazi. Baba yangu alikuwa mwunganishaji wa chuma, na mama yangu mama wa nyumbani; hakuna aliyemaliza shule ya sekondari, lakini walijifunza kutoka kwa babu yangu mjasiriamali, Frank Toscano. Hata na ujuzi wake mdogo wa Kiingereza na elimu ndogo, Frank aliweza kulisha, kuvisha, na kuwapa makazi mkewe na watoto sita kuanzia miaka ya 1920 hadi mwishoni mwa miaka ya 1960 kupitia biashara ndogo ndogo alizozianzia katika Bronx, N.Y. Alianza kuuza makaa ya mawe wakati wa baridi na barafu wakati wa joto, kisha akaendesha kampuni ya kuhamisha mizigo, na hatimaye akafungua uwanja wa taka za chuma. <\/p>\n\n

Wazazi wangu walinunua baa maili 100 nje ya Jiji la New York na kuigeuza kuwa mkahawa wenye mafanikio. Katika ”Pete’s Pub,” walifanya kazi siku sita kwa wiki, mara nyingi kuanzia saa 8:00 asubuhi hadi baada ya usiku wa manane. Mama yangu alisimamia fedha na alikataa kununua chochote kwa mkopo. Wakati alipokuwa na matatizo ya mtiririko wa pesa, nilisikia akisema anahitaji ”kumwibia Petro ili kulipa Paulo.” Kama mtoto, sikuwa na wazo jinsi alivyowajua binafsi mitume, lakini nilidhani kulipa bili kulihitaji uingiliaji wa ajabu kutoka kwa watakatifu. Inaonekana, sikuwa mbali sana. <\/p>\n\n

Hatimaye niligundua kwamba kumwibia Petro kulimaanisha mama yangu kumpigia simu wakala wake wa bima kuomba utoaji wa sehemu ya pesa kutoka kwa thamani ya sera yake ya bima ya maisha, au kuchelewa kununua jokofu la kibiashara alilohitaji hadi mlango wa jokofu la familia ukaanguka, au kutupeleka sisi watoto kukaa na Mjomba wetu Frankie na Shangazi Rolla huko New Jersey kwa wiki mbili kila majira ya joto, badala ya kwenda likizo za familia tulizozisahaulisha miaka kumi mfululizo. Kwa miongo mingi, walimwibia Petro kwa kujinyima wenyewe, na siku moja, walitupa dada zangu na mimi malipo makubwa. <\/p>\n\n

Sijawahi kujiona kama tajiri au hata tabaka la kati, lakini Diana Ya\u00f1ez, mwenyeji mwenzangu wa Quakers Today<\/em> kwa mfululizo maalum unaozingatia Wakweka na pesa, na wageni wetu, wanauliza maswali ya changamoto yanayofunua aina nyingi za utajiri niliouzo. Katika kipindi cha hivi karibuni kiitwacho ”Quakers and Capitalism,” Traci Hjelt Sullivan, mkurugenzi mtendaji wa Right Sharing of World Resources, anaeleza jinsi pesa za wazee zinavyowafaidi wale wanazozo kwa njia za siri: ”Mume wangu na mimi tulilipwa elimu yetu ya shahada ya kwanza na wazazi wetu. Je, kuhitimu bila madeni ni aina ya utajiri? Nadhani ndivyo, hasa siku hizi. Kuanza maisha ya utu mzima bila madeni kulitupatia fursa nyingi sana. Ni aina ya utajiri wa wazee.” <\/p>\n\n

Nilipofanya kazi kama msanii wa maonyesho, niliweza kuifanya kwa muda wote, tofauti na wasanii wenzangu wengi wa maonyesho\u2014wanawake kuchu weupe, watu wa jinsia mbadala, na Watu wa Rangi wa kiume na kuchu\u2014ambao walilazimika kufanya kazi nyingi za muda wa saa na kazi za muda ili kubaki wakielea. Sikufanya kazi kwa bidii zaidi kuliko wao, na sikuwa na ujuzi zaidi. Lakini kulingana na jinsi ulimwengu ulivyofanya kazi, nilikuwa na bahati. Mara nyingi nilipofika kuonyesha katika chuo kikuu cha fahari, wageni katika jamii walinitoa magari yao, mahali pa kukaa katika nyumba zao, na kazi zingine katika eneo hilo. Kwa muda, nilijifunza kwamba maeneo yalinilipa ada ya juu zaidi kuliko wenzangu wengi. Mara nyingi nimejitanya ni fursa zipi zilikuja kwangu kwa sababu mimi ni mweupe na mwanaume. Wasanii wengi hufanya kazi zao kuwa endelevu kwa ubunifu, lakini kwa baadhi yetu, hii ni rahisi zaidi kuliko kwa wengine. <\/p>\n\n

Pia nilikuwa na kamati ya msaada ambayo Mkutano wangu, Hartford (Conn.) Meeting, uliniundea. Mbali na msaada wa kiroho, walinipatia usafiri kwenda kwa baadhi ya kazi zangu za kikanda baada ya kuuza gari langu ili kuokoa pesa. Walinipa mikopo bila riba ambayo ilinichukua miaka kuilipa. Mafanikio yangu kama mhamasishaji wa maonyesho yalikuja kutoka kwa jamii iliyonisaidia na kutoka kwa ulimwengu ambao ulinikaribishia waziwazi na kuniamini. <\/p>\n\n

Inayokuja mwezi ujao:<\/strong> Sihisi hatia kuhusu kutaja upendeleo huu na aina za utajiri, lakini ninahisi wajibu unaokua kwa pesa ninazoziweka akiba kwa ajili ya kustaafu na mahali ninapozitumia, pamoja na uhusiano wangu na pesa na ”vitu.” Katika kipindi cha Agosti, ”Quakers and Wealth,” tunasikia kutoka kwa Fran Brokaw, Mkweka aliyepata utajiri kutoka kwa urithi mkubwa wa familia. Anashiriki swali ambalo limemwezesha kufikiria kwa kina zaidi: ”Je, hii ni pesa yangu?” Jibu lake linaweza kukushangaza: ”Haipaswi kuwa yangu. Inapaswa kupita kwangu. Inapaswa kuwa njia. Ninaweza kuipitisha kama nishati, kama upendo, na sio kuiweka akiba\u2014na sio kuiacha tu ikae katika akaunti ya udalali au kitu kama hicho.” <\/p>\n\n

Fran ananichochea kuuliza maswali magumu kuhusu maisha yangu mwenyewe na pesa. Katika safu ya mwezi ujao, nitazingatia machache, ambayo ninakualika uzifikirie pia, ikiwa ni pamoja na, ni kiasi gani uwekezaji wangu wa kustaafu ni wa kimaadili? Jinsi gani kuegemea urahisi zaidi kunaweza kufungua fedha ili zipite kwangu na pia kunipatia faida za kuishi na vitu vichache? Zaidi ya kuwa na wajibu kwa utajiri wangu binafsi, jinsi gani miunganisho yangu na mashirika, biashara, na Mkutano wangu wa Kikweka inaweza kusaidia kushirikisha fedha zinazozingatia haki kwa kiwango kikubwa? <\/p>\n\n

Rasilimali na Mapendekezo<\/strong><\/h5>\n\n

Angalia video ya QuakerSpeak ”What If Wall Street Were Honest?” inayojumuisha mahojiano na Mkweka wa North Carolina Mark Hulbert, ambaye amefuatilia washauri wa uwekezaji tangu mwanzoni mwa miaka ya 1980 (QuakerSpeak.com<\/em>). Pia inayopendekezwa katika kipindi cha Juni ni kucheza Spent (playspent.org<\/em>), mchezo wa bure wa kivinjari wa kuishi ambao unaweka wachezaji ndani ya mtego wa umaskini. Unaanza na dola 1,000 na kujaribu kuishi kwa siku 30 huku ukifanya uchaguzi usiowezekana: lipa kodi, rekebisha gari, nunua dawa, au washa taa. Inatoa njia moja ya kuelewa vyema jinsi inavyoweza kuwa ghali kuwa maskini katika mfumo wa sasa wa kiuchumi. <\/p>\n\n

Una swali kuhusu maadili ya Quaker na pesa? Au rasilimali ya kupendekeza kutoka safari yako ya kifedha? Tuambie na unaweza kuonekana kwenye kipindi! Acha ujumbe wa sauti kwa kupiga simu 317-QUAKERS (317-782-5377) au tuma barua pepe kwa podcast@friendsjournal.org<\/em>. <\/p>\n\n

Quakers Today<\/em> ni uzalishaji wa Friends Publishing Corporation. Sikiliza kwenye QuakersToday.org<\/em> au programu yako unayopendelea ya podcast, na tazama mahojiano ya video yaliyopanuliwa kwenye kituo chetu cha YouTube kwenye Youtube.com\/friendsjournal<\/em>. <\/strong><\/p>\n\n

\n\n

Wadhamini wa Quakers Today<\/em> Msimu wa 6<\/strong><\/p>\n\n

Friends Fiduciary<\/a><\/strong>: Uwekezaji wa kimaadili kupitia lenzi ya Quaker.<\/p>\n\n

American Friends Service Committee<\/a><\/strong>: Kupinga dhuluma na kujenga amani.<\/p>\n","protected":false},"excerpt":{"rendered":"

Peterson Toscano anaongea jinsi, katika maisha na kazi, baada ya kutafuta sana amepata njia ya kuchanganya kwa upatano kiroho na pesa. <\/p>\n","protected":false},"author":5090,"featured_media":3138450,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25317],"tags":[],"fpb_issue_category":[25329],"class_list":["post-3138640","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-quakers-na-pesa","fpb_issue_category-agosti-2026"],"yoast_head":"\nPesa na Fedha za Kimaadili? 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