Kwizigamira amafaranga ubigirira ahazaza, ni ingenzi ku muntu wese, icyakora uburyo bikorwamo bushobora gutandukana bitewe n’ikigero cy’imyaka umuntu agezemo. Ibi biterwa no kuba ibyo umuntu yinjiza bihinduka mu gihe runaka ari na ko bijyana n’impinduka mu byo asabwa n’ibyo ashobora gusohora.
MyBankTracker ivuga ko buri mpinduka y’imibereho ibaye ku muntu mu buzima bwe, ijyana n’uburyo bushya bw’imikoreshereze y’amafaranga, icyakora hariho uburyo n’inama byagufasha kumenya uko ugendana n’izi mpinduka, cyane mu bishingiye ku kuzigamira ahazaza hawe.
Iyo umuntu akigera mu myaka 20 akenshi usanga yinjiza amafaranga aringaniye, akibana n’inshuti ze ahantu runaka bakodesha inzu ndetse iki gihe akenshi aba atakiri kubona ubufasha busesuye buturutse ku babyeyi be, ariko ku rundi ruhande na we uba usanga akenshi ahugira mu byo kwinezeza ku buryo ashobora kuba yibwira ko ibijyanye no kwizigamira atari ingenzi cyane.
Gutekereza ku rushako, kuba wakubaka cyangwa ukagura inzu, kugira umuryango n’ibindi; ni bimwe mu bishobora kugutera kugira impinduka mu buryo wajyaga wizigamiramo cyangwa bikakubera intandaro yo gutangira gukora icyo gikorwa cy’ingirakamaro.
Izi ni zimwe mu nama zafasha urubyiruko gutangira kuzigamira ahazaza cyane cyane abakiri mu kigero cy’imyaka 20 na 30.
Shyiraho uburyo bw’imikoreshereze y’amafaranga
Gutegura no gushyiraho uburyo bw’imikoreshereze y’amafaranga, ni ibintu umuntu atangira kubwirwa akiri mu mashuri yisumbuye.
Mu gihe watangiye kugira icyo winjiza, ni ngombwa guhita ushyiraho uburyo bwo kuzigama ujyanisha na za fagitire uba usabwa kwishyura, ibyo kurya ugomba guhaha ndetse n’ibicanwa ukenera n’ibindi bitandukanye.
Teganya amafaranga y’ingoboka
Kuri iyi ngingo, ugomba kwitoza hakiri kare uburyo wajya ugira ingano y’amafaranga runaka ushyira ku ruhande ugamije kuyifashisha mu gihe wahura n’ikibazo gitunguranye nko kuba watandukana n’umuntu mwabanaga muri ya nzu mwakodeshaga mufatanyije, kuba wakoresha igare ugendaho mu gihe ryangiritse n’ibindi bitandukanye bigwa ku muntu bitabanje guteguza.
Gushyiraho ingano y’ayo ugomba kuzigama
Umuntu ukiri mu myaka 20, agirwa inama yo kwitoza kuzigama nibura hagati ya 15 na 20% by’ayo yinjiza kandi ibi ntibiba bigamije kuzigamira izabukuru, ahubwo byigisha uburyo buzagufasha kumenya uko wizigamira mu gihe imyaka yigiye hejuru n’igihe watangiye kwinjiza ibyisumbuye.
Gushyiraho uburyo bwo kwishyura amadeni
Ushobora kwisanga amadeni yawe yabaye menshi kurusha ibyo winjiza cyane cyane iyo utahaye agaciro uburyo uzajya wishyuramo amadeni ufata hakiri kare. Ukwiye gufata ingamba zikomeye zigusunikira ku kwishyura amadeni ufite mu rwego rwo kwirinda ko waba bihemu cyangwa ngo uzisange ukuriye mu madeni kuko biba bikuganisha kuzayasaziramo.
Gushyiraho uburyo bwo kwimenyekanisha
Iyo ukiri mu myaka 20, uba ukeneye guhinduranya no gushakisha akazi inshuro nyinshi kugira ngo ubashe kugera mu mwanya mwiza w’akazi wifuza. Muri uku kuzenguruka, uba ukwiye kwizera ko hari ubumenyi bushya uvanye muri buri kazi kose wagezemo ari na ko ugenda usaba guhabwa inshingano zitandukanye muri ako kazi.
Mu gihe winjiye mu myaka 30, ukwiye gukomeza kugira intego zisumbuye zo kuzigama zirimo kongera gushyiraho uburyo bw’imikoreshereze y’amafaranga, kuzamura igiteranyo cy’ayo wazigamaga, gutangira kuzigamira izabukuru, guca ukubiri n’amadeni asanzwe uretse nk’imyenda ya banki yo kwifashisha mu bintu byagutse n’ibindi byo mu gihe kirambye.
Ni byiza gutekereza ku kijyanye n’ubwishingizi mu rwego rwo kurinda amafaranga yawe, kugerageza gushora mu mishinga ibyara inyungu, gutekereza ku buryo budahenze bwo kwishimisha no kwidagadura kandi ukwiye cyane guhoza intekerezo zawe ku mafaranga ugomba kuzazigama aho guhoza agatima ku yo wamaze kuzigama.
