Mu gice cya mbere cy’iyi nyandiko (KANDA HANO UGISOME) twagaragaje impamvu 5 zituma abantu benshi bize bataba abakire cyangwa ngo batunge amafaranga menshi. Zimwe muri izo mpamvu ni ukutagira ubumenyi ku mikorere n’imikoreshereze y’amafaranga; gutinda gukorera amafaranga; kudakomeza kwiyungura ubumenyi nyuma yo kurangiza amashuri; gukorera abandi aho kwihangira imirimo no kutamenya gukorana n’abandi.
Mu gice cya kabiri cy’iyi nyandiko, tugiye kugaragaza na none izindi mpamvu 5 zituma abenshi mu bantu bize badatunga amafaranga menshi:
1) Gushaka kugaragara nk’abakire kurusha uko bari
Abantu benshi bize babaho mu buzima butajyanye n’ubushobozi bwabo. Abenshi bakunda kugaragara nk’abakire cyane kurusha uko bari. Abantu bize usanga ari bo bambara imyenda ihenze, rimwe na rimwe bashobora no gufata ideni kugira ngo bagure imyenda. Nibo baba mu nzu zihenze kandi bakodesha. Nibo batunga imodoko zihenze kandi nazo baraziguze mu mafaranga y’inguzanyo.
Niba uba mu nzu ihenze, ugenda mu modoka ihenze, utunze ibikoresho bihenze kandi ikintu cyonyine ufite kiguha amafaranga ari akazi kamwe ukora, ntushobora kuba umukire; ntushobora gutunga amafaranga menshi.
Ni yo mpamvu abantu batize cyane ari bo batunga amafaranga menshi kuko bamenya kubaho ubuzima bujyanye n’ubushobozi bwabo.
2) Gusuzugura imwe mu mirimo ishobora kubagira abakire
Abantu benshi bize baba bibwira ko akazi keza ari ako mu biro. Hari imirimo myinshi banga gukora kandi ari yo ishobora kubaha amafaranga menshi. Abenshi banga kwihangira imirimo bagahitamo kujya gusaba akazi kabahemba umushahara wa buri kwezi.
Inama tugira abantu ni uko imyumvire yo gusuzugura imirimo imwe n’imwe ari imyumvire ishaje. Hari abantu benshi bakora imirimo y’ubuhinzi n’ubworozi kandi barize amashuri menshi. Kandi abenshi muri bo bafite amafaranga menshi kurusha bagenzi babo bakora akazi ko mu biro.
3) Gukunda ibintu by’agaciro kandi bihenze
Ibi twabigarutseho mu gice cya mbere cy’iyi nyandiko. Indi mpamvu ituma abantu benshi bize baba abakene ni ugukunda ibintu bihenze. Ugasanga umuntu akorera umushahara, wose akawushyira mu kugura inkweto n’imyenda ihenze, kugura imodoka zihenze no kwishimisha gusa.
Mu gihe abandi bayazigama bakanayashora mu yindi mishanga ibyara inyungu; abantu benshi bize amafaranga bakorera bayapfusha ubusa cyangwa bakayakoresha mu kwishimisha no kugura ibintu bihenze.
Inama dutanga aha ni ukumenya gukoresha amafaranga neza, ukayakoresha mu bintu ukeneye kurusha ibindi andi ukayazigama cyangwa ukayashora mu yindi mishinga yakugira umukire.
4) Kutagira ibintu byinshi bibinjiriza amafaranga
Abantu benshi bize, igihe cyabo cyose bagishyira ku kazi bakorera abandi. N’igihe babonye cyo kuruhuka cyangwa cya konji usanga bari mu bikorwa byo kwishimisha gusa. Muri iki gihe tugezemo, biragoye ko umuntu yaba umukire akora akazi kamwe.
Abantu bize rero bakunda kuba abakene kubera ko usanga badafite ibintu byinshi bibinjiriza amafaranga. Abafite akazi usanga ari ko bakora gusa nta kindi kintu bakora kibinjiriza amafaranga. Umushahara wonyine ntabwo ushobora kukugira umukire.
Inama tugira abantu ni uko mu gihe bafite akazi kabahemba umushara bagomba no gushaka ibindi bakora bibinjiriza amafaranga. Si ngomba ko uhanga akandi kazi, ushobora no gushaka aho ushora amafaranga yawe cyangwa ukagura imigabane mu zindi kompanyi. Icya ngombwa ni uko ugira ibintu byinshi bikwinjiriza amafanga yunganira umushahara uhembwa.
5) Amadeni
Abantu benshi bize bafata amadeni, rimwe na rimwe atari ngombwa. Akenshi bafata amadeni yo kugura ibikoresho bihenze. Ibyo bituma mu gihe cyose bakorera umushahara bishyura amadeni. Amadeni ni kimwe mu bintu bituma umuntu ahora mu bukene bw’akarande.
Gusaba ideni ntabwo ari bibi, ariko dutanga inama yo gufata ideni ugiye kurishora mu mishinga ibyara inyungu cyangwa se ugiye kugura imitungo itimukanwa ibyara inyungu.
Mu gusoza iyi nyandiko, turabibutsa ko kuba warize cyangwa waraminuje bidahagije ngo ube umukire. Abantu benshi bize usanga ari abakene kubera ko bataba bafashe umwanya ngo biyungure ubumenyi ku mikorere n’imikoreshereze y’amafaranga. Icyo twabashishikariza ni uguhora twiga kandi tukamenya kubaho bijyanye n’ubushobozi bwacu.
Mushobora gutanga ibitekerezo byanyu kuri izi nyandiko munyuze ahatangirwa ibitekerezo ku mpera y’iyi nyandiko. Mushobora kandi no kutwandikira munyuze HANO.
Mugire amahoro.
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