Mu gice cya mbere cy’iyi nyandiko (KANDA HANO UYISOME) twagaragaje amwe mu mabanga yagufasha kwirinda amedeni cyangwa inguzanyo zitari ngombwa. Amwe muri ayo mabanga ni: ukwirinda kugura ibintu birenze ubushobozi bwawe, kugira umuco wo kuzigama, kwishyura amadeni ufite no kugura ibyo ukeneye kurusha ibindi.
Mu nyandiko y’uyu munsi tugiye kugaragaza andi mabanga ane yagufasha kwirinda gufata inguzanyo n’amadeni bitari ngombwa:
1) Gukora ingengo y’imari y’uko uzakoresha amafaranga yawe
Irindi banga ryagufasha kwirinda amadeni atari ngombwa ni ugukora ingengo y’imari y’uko uzakoresha amafaranga. Mbere yo kubona amafaranga yawe, yaba umushahara cyangwa andi yose winjiza, ni ngobwa kwicara ugakora igenamigambi ry’ibyo uzayakoresha. Muri iyo ngengo y’imari ugomba kugaragaza buri kintu ukeneye ukagena n’amafaranga uzakigura. Ugomba kandi no kugena ayo uzigama mbere y’uko utangira gukoresha amafaranga wabonye (KANDA HANO USOME INYANDIKO BIJYANYE).
2) Kubara amafaranga ukoresha ku kwezi
Irindi banga ryagufasha kugabanya amadeni atari ngombwa ni ukubara neza amafaranga ukoresha buri kwezi. Ibi bizagufasha kumenya amafaranga utarenza mu gihe ugura ibyo ukeneye. Kumenya amafaranga utarenza ugura ibyo ukeneye na byo bizatuma utajya gufata amadeni atagufitiye akamaro.
3) Kwirinda kuzamura ingano y’ibyo ugura mu gihe umushahara wawe wiyongereye
Iri ni ibanga rikomeye. Hari umuntu uba uhembwa amafaranga ibihumbi ijana (100,000Frw) ugasanga afite amadeni menshi, yazazamurwa mu mushahara agahembwa ibihumbi magana atanu (500,000Frw) nabwo ugasanga afite amadeni aruta ayo yari afite mbere.
Niba ugize amahirwe amafaranga winjiza akiyongera, kirazira guhita wongera ingano y’ibyo ukenera mu buzima bwa buri munsi. Kirazira kandi guhita wongera ingano y’amadeni ufata. Abahanga mu by’ubukungu bakugira inama yo gukomeza kubaho uko wabagaho mbere ahubwo ukongera amafaranga uzigama n’ayo ushora mu bind ibikorwa bitanga inyungu.
4) Kugabanya ibikorwa byo kwishimisha
Ibikorwa byo kwishimisha nko gutembera cyangwa gusohoka, gusangira n’inshuti, kunywa inzoga n’ibindi ni ibintu bya ngombwa mu buzima bwa muntu. Ariko iyo ubikora cyane cyangwa kenshi, na byo bishobora kongera ingano y’amafaranga ukoresha bikaba byatuma ufata amadeni atari ngombwa. Mu gihe rero ushaka kwirinda gufata amadeni n’inguzanyo zitari ngombwa, ukwiye kugabanya ibyo bikorwa byo kwishimisha ukajya ubikora wabiteguye kandi wabiteganyirije amafaranga yabyo.
Mu gice cya mbere n’igice cya kabiri cy’iyi nyandiko twagaragaje ko gusaba inguzanyo cyangwa ideni ari byiza kandi ko nabyo biri mu bintu byafasha umuntu kwiteza imbere. Gusa, twagaragaje ko umuntu agomba gusaba inguzanyo iri ngombwa kandi akeneye kugira ngo yiteze imbere. Abantu bakwiye kwirinda gusaba inguzanyo zitari ngombwa kuko akenshi zishobora kuba intadaro yatuma umuntu aba umukene. Inama twagaragaje haruguru rero zagufasha kwirinda gufata inguzanyo zitari ngombwa cyangwa se udakeneye.
KANDA HANO USOME IZINDI NYANDIKO ZIRI KURI URU RUBUGA
Mugire amahoro.
Ubwanditsi bwa imbere.rw
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