Gusaba ideni cyangwa inguzanyo ni ngombwa ku muntu ushaka gutera imbere. Abantu duhora dushishikarizwa gukorana n’ibigo by’imari kugira ngo dutere imbere. Nibyo ko gukorana n’ibigo by’imari cyangwa gusaba inguzanyo bishobora kugufasha kwiteza imbere. Bishobora kandi kuguha igishoro wajyana mu mishinga yawe bityo ukaba watera imbere. Uretse gusaba ideni muri banki, umuntu ashobora no kuguza abandi amafaranga cyangwa agafata amadeni y’ibintu akeneye.
Gusa hari igihe umuntu afatana inguzanyo cyangwa amadeni adafite umushinga nyawo wo kuyikoresha bikaba bishobora kumuviramo impamvu yo kuba umukene aho kumufasha kwiteza imbere. Ibi bituruka cyane cyane ku gufata ideni ritari ngombwa ko urifata cyangwa nta mpamvu ifatika ituma urifata.
Uyu munsi rero tugiye kukubwira amabanga 4 yagufasha kwirinda amadeni cyangwa inguzanyo zitari ngombwa:
1) Irinde kugura ibintu birenze ubushobozi bwawe
Ibanga rya mbere ryagufasha kwirinda amadeni ni ukwirinda kugura ibintu bihenze, bidahuje n’ubushobozi bwawe. Aha turavuga cyane cyane ibintu ugura ari ibyo gukoresha nk’ibikoresho byo mu rugo, imyenda, ibiribwa, imodoka n’ibindi.
Ni byiza ko ugura ibintu ufitiye amafaranga; nturinde gufata ideni ryo kugura ibintu udafitiye amafaranga kandi nta n’inyungu bizaguha.
2) Gira umuco wo kuzigama
Niba ushaka kwirinda guhora ufata amadeni atari ngombwa, ugomba kugira umuco wo kuzigama. Ibi bigufasha guhora ufite amafaranga yakugoboka mu gihe uyakeneye aho guhita ujya gusaba ideni cyangwa inguzanyo. Kuzigama kandi bizagufasha kuba wabona igishoro ujyana mu mishinga wateguye utabanje kujya gusaba inguzanyo.
3) Kwishyura amadeni usanzwe ufite
Hari igihe umuntu agera ku rwego rwo kunanirwa kwishyura amadeni afite. Ni ha handi ashobora kuguza amafaranga yo kwishyura undi afitiye ideni. Ibi nibyo Abafaransa bita “kwambura Mutagatifu Petero kugira ngo wambike Mutagatifu Pawulo” (Désabiller Saint Pierre pour habiller Saint Paul).
Iyo umuntu ageze kuri urwo rwego biba bigoye ko ayo madeni azayavamo mu buryo bworoshye. Irindi banga ryagufasha kwirinda amadeni atari ngombwa rero, ni ukwihutira kwishyura abo ufitiye amadeni mu gihe cyose ubonye amafaranga.
4) Guhaha ibyo ukeneye kurusha ibindi
Mu Cyongereza nibo babivuga neza, hari ibyo umuntu ekeneye aribyo bita “needs”, hakaba n’ibyo umuntu ashaka aribyo bita “wants”. “Needs” ni ibintu ukeneye kandi biba ari ngombwa mu buzima ku buryo utabibonye ubuzima butagenda neza. Naho “wants” ni ibyo wumva ushaka kugura ariko ku buryo utanabiguze bitakubuza gukomeza kubaho neza.
Niba rero ushaka kwirinda amadeni atari ngombwa jya uha agaciro ibyo ukeneye (needs) ube ari byo ugura ubundi wirinde kugura ibindi wumva ushaka bidakenewe cyane (wants).
Nubwo gufata ideni cyangwa inguzanyo bishobora kugufasha mu nzira y’iterambere, ariko ni ngombwa gufata amadeni agufasha kwiteza imbere kuko gufata amadeni atari ngombwa nabyo bishobora kukugira umukene. Iyi nyandiko yagarutse ku mabanga ane yagufasha kwirinda gufata amadeni atari ngomba, ari yo: kwirinda kugura ibintu birenze ubushobozi bwawe, kuzigama, kwishyura amadeni usanzwe ufite no kugura ibyo ukeneye kurusha ibindi.
Mu gice cya kabiri cy’iyi nyandiko tuzabagezaho andi mabanga 4 yagufasha kwirinda amadeni atari ngombwa.
KANDA HANO USOME IZINDI NYANDIKO ZIRI KURI URU RUBUGA
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