Ubushakashatsi bwakozwe n’Ikigo Moneybox gitanga serivisi z’imari bwerekanye ko 53% by’Abongereza bafite ibyiringiro byo kunoza imicungire y’imari yabo mu 2025 binyuze mu kugira intego zihamye no kugabanya amafaranga yatakazwaga ku bitari ngombwa.
Umugabo wibuze arapfa, uwabuze ubushobozi agasaza yandavura. Ariko se biroroshye kubaho mu buzima butarimo amafaranga menshi? Oyaaa ariko birashoboka kubaho ukoresha make.
Urihiringa ukarara amajoro ukora, nyamara ukwezi kukarangira utaka ubukene. Iyo witegereje uribaza uti ni gute nabaho neza ntakoresha amafaranga menshi? Nibyo tugiye kugarukaho binyuze mu myitwarire umunani ukwiye gusezera:
Kubaho birenze ubushobozi bwawe
Wakira inyungu runaka ariko iri hasi y’ibyifuzo byawe. Abakuzengurutse babayeho mu buzima buhenze, ibyo nawe bikagushishikaza ukibona mu ishusho yabo, ukisanga mu madeni.
Ingendo y’undi iravuna niko abanyarwanda baciye umugani. Burya rwose buri wese abayeho mu buzima bwihariye kandi burimo amabanga menshi, niyo mpamvu ukwiye kubaho nkawe aho kubaho nk’abandi.
Hagora gutera intambwe imwe, ariko izisigaye zoroha iyo wafashe umwanzuro. Gutunga no kugira ibya mirenge ntibizanwa no kwigana cyangwa guhangana, ahubwo biterwa no kubaho ubuzima bufite intego, umutungo ucungwa neza.
Niba utakaza amafaranga aruta ayinjira uzisanga mu madeni, nayo agusige mu bibazo birimo no kubunza imitima, gutinya kunyura mu maso y’abantu n’ibindi.
Ntunyumve nabi ngo utekereza ko ngusaba kutiyitaho kuko biri mu nshingano zawe, ariko kwiyitaho mu buryo bugusiga mu bibazo ni amahitamo mabi cyane.
Kwirengagiza ingengo y’imari
Mpamya ndashidikanya ko bikugora gukora ingengo y’imari mbere yo gukoresha amafaranga runaka. Ariko se wasobanukiwe ko gukora ibyo washyize mu nyandiko akenshi bitanga amahirwe yo gutanga umusaruro?
Usanga bamwe baranditse ibintu bashaka gukora bagendeye ku by’ingenzi, amafaranga azabitakazwaho, n’igihe bizakorerwa, ibyo bikakurinda kuyatakaza mu bitagira umumaro.
Hari igihe nigeze kuba mu buzima bwo gusesagura nta mutimanama. Umunsi umwe narebye kuri konti yanjye ya banki, mbura ikindamira.
Nicaye ahantu hamwe niha intego yo kutazongera kwirengagiza kugira ingengo y’imari, maze ntangira kugira umutungo ufatika.
Kwirengagiza kuzigama
Umushoramari w’umunyamerika Buffer Warren yigeze kugira ati “Ntukazigame amafaranga wasigaje , ahubwo koresha ayasigaye nyuma yo kuzigama”.
Ukena ufite itungo rikakugobaka. Ariko se iyo nta bwizigame ufite ugobokwa n’iki? Ni agahinda no guterwa n’ibibazo umusubirizo.
Kurambirwa
Uzasanga umuntu yahisemo iz’ubusamo kubera yarambiwe gutegereza igihe cya nyacyo, cyangwa agahagarika imishinga ye yibwira ko adashoboye kuyikomeza, nyamara ibintu byose bisaba gukorana ibakwe no kwihangana.
Hariho abasesagura amafaranga batateguye kubera ko babonye bagenzi babo bagura utuntu duto duto tubashimisha bakumva baracikanwe, nabo si ugusesagura bakiva inyuma. Igitangaje ni uko umuco wimenyereje ukokama ukangiza ubukungu bwawe iteka.
Igihe cyose wifuza kubaho mu byishimo kandi udasesagura, usabwa kwihanganira ibihe, byaba byiza ukirinda ko umunezero ukuganza, ariko byaba bibi nabwo ugahangana urwana, ndetse no kuguma mu ntekerezo nziza wirinda gusesagura.
Ubushakashatsi bwerekanye ko abantu bashobora kugera ku ntego niyo byatinda, igihe kwihangana kwabo gufatika.
Ibintu bito bitwara amafaranga
Uhuye n’umuntu umuguriye icupa, buri munsi unywa ikawa, ukishyura Ikoranabuhanga ryo guhamagara, wahura n’abacuruza inkweto ukazigura nta gutekereza kabiri.
Ese urabizi ko nta mafaranga make atagwira kandi ko nta mafaranga menshi adashira. Rimwe na rimwe tuba tubikeneye ariko se byose ni ngombwa cyangwa bigabanyijwe ubuzima nti bwakomeza? Mbere yo gusohora amafaranga, ni ingenzi kwibaza ibi bibazo kuko umutima wawe uzakubwiza ukuri.
Kwirengagiza kubyaza umusaruro amahirwe
Buriya utekereje neza wasanga hari amahirwe akwizanira atagusaba ikiguzi. Twavuga nk’inzu z’ibitabo, ibikorwa by’imyidagaduro by’ubuntu, amasomo atangirwa kuri murandasi n’ibindi.
Nahoraga mpangayikiye kugura ibitabo ariko nkabangamirwa n’ubushobozi buke, nyuma nsobanukirwa ko nagana inzu zifite ibitabo nkabisoma ntishyuye, ntanabiguze. Uzasanga serivisi z’ubuntu zidahabwa agaciro nyamara umuntu agakomeza kwifuza ibyo atakwigurira.
Kwirengagiza ubumenyi ku mikoreshereze y’amafaranga
Abantu benshi ntibize mu ishuri ikoreshwa ry’amafaranga nyamara hari ubundi buryo bwo kubisobanukirwa ku myaka yose waba ufite.
Kwifuza kumenya uko wakoresha amafaranga, uko wayabyaza umusaruro, uko wazigama n’ibindi, ni bimwe mu byagufasha kubaho wishimye kandi udatakaza amafaranga menshi.
Kwizera ko amafaranga ariyo yonyine agufasha gukira
Abantu bamwe bavuga ko amafaranga atari buri kimwe, adatanga ibyishimo, atakurinda gupfa. Abandi bakavuga ko hari byinshi bikenerwa kugira ngo akugirire umumaro mu buzima.
Ibyo ntawabihakana ko watunga menshi ariko kubera kutamenya kuyagenzura akaguca mu myanya y’intoki. Kubaho wishimye si ingano y’amafaranga menshi, ahubwo ni ukunyurwa n’ibyo ufite, bikagenzurwa mu buryo butanga umusaruro, ukabaho ubuzima buhuye n’ubushobozi bwawe.
Birashoboka kubaho ukoresha amafaranga make kandi udatakaje n’ibyishimo.
