Mu nyandiko yacu yatambutse mbere, (KANDA HANO UYISOME) twagaragaje ko rimwe mu mabanga yagufasha kuzigama amafaranga menshi ari ukugabanya amafaranga ukoresha. Twagaragaje ko amafaranga ayo ari yo yose umuntu yakorera yaba menshi cyangwa make, birashoboka ko wayakoresha agashira. Birashoboka kandi ko amafaranga ayo ari yo yose winjiza, yaba menshi cyangwa make, wagira ayo uzigama kugira ngo azagufashe mu bihe biri imbere cyangwa uzayashore mu yindi mishinga ibyara inyungu.
Umuntu ushaka gutera imbere agomba guhindura imyitwarire n’imyumvire ye ku bijyanye n’imikoreshereze y’amafaranga. Niyo mpamvu mu nyandiko y’uyu munsi tugiye kugaragaza amwe mu mabanga yagufasha kugabanya amafaranga ukoresha kugira ngo wongere ayo uzigama.
Ayo mabanga ni aya akurikira:
a) Banza wishyure amadeni yose ufite
Ibanga rya mbere ryagufasha kugabanya amafaranga ukoresha mu buzima bwa buri munsi ni ukwishyura amadeni ufite. Mu kwishyura amadeni ugomba guhera ku madeni wishyura wongeyeho inyungu. Nimba ubonye amafaranga, mbere yo kugira icyo uyakoresha, banza wishyure amadeni. Kwishyura amadeni ni ingenzi cyane ku muntu ushaka kwizigamira.
b) Hahira ahari ibiciro bihendutse
Ese wari uzi ko hari ahantu fanta igura 1000Frw n’aho igura 500Frw. Niba rero ushaka kugabanya amafarana ukoresha no kongera ayo uzigama, ugomba kugereranya ibiciro by’aho usanzwe uhahira, ugahitamo ahahendutse kurusha ahandi.
c) Gabanya amafaranga ukoresha kuri telephone
Ese waba warigeze ugenzura cyangwa ubara amafaranga ukoresha kuri telefone mu kugura interineti no guhamagara? Uzi ko buriya telefone ishobora kugutwara amafaranag arenze ayo urya ku munsi?
Niba rero ushaka kongera amafaranga uzigama, gerageza kugabanya ayo ukoresha muri telephone yawe; kandi birashoboka.
d) Gabanya amafaranga ukoresha mu ngendo (transport).
Niba ushaka kugabanya amafaranga ukoresha kugira ngo wongere ayo uzigama, ugomba kubanya amafaranga ukoresha mu ngendo zinyuranye ukora. Aho bishoboka wagendesha amaguru cyangwa ugateka ikinyabiziga gihendutse. Nko mu Rwanda aho gutega “taxi voiture” watega moto, aho gutega moto watega “bus” cyangwa ukagenda n’amaguru.
e) Irinde kugura ibintu utateganyije
Si byiza kugura ikintu utateganyije. Jya ugura ikintu wari usanzwe uteganya kugura. Mbere yo kubona amafaranga yawe yaba ari umushahara cyangwa n’andi mafaranga ubona, jya ubanza ukore urutonde rw’ibyo uzagura, kandi urwubahirize. Kugura ibintu utateganyije nabyo byakubera imbogamizi ituma utazigama.
f) Gura ibintu bya ngombwa
Niba ushaka kuzigama, jya umenya kugura ibintu ukeneye kurusha ibindi; bya bindi bya ngombwa umuntu akanera mu buzima. Si byiza kugura ibintu byose utanakeneye ngo ni uko wabonye amafaranga. Gura ibyo ukeneye ubundi andi uyazigame.
g) Gabanya ibikorwa byo kwishimisha
Kwishima no kwishimisha ni ngombwa mu buzima. Ariko niba ushaka kuzigama amafaranga yawe, ibikorwa byo kwishimira ugomba kubigabanya ukajya ubikora wabiteganyije. Bimwe muri ibyo bikorwa bigutwara amafaranga ni nko gutembera cyangwa gusohoka kenshi, kujya mu kabari inshuru nyinshi n’ibindi.
h) Kurya amafunguro yo mu rugo
Amafunguro yo mu kabari, akenshi usanga ahenze kurusha ayo mu rugo. Kugabanya kurya mu tubari cyangwa muri “Restaurent” nabwo ni uburyo bwagufasha gukoresha amafaranga make.
Ibi twavuze haruguru bishobora kugufasha kugabanya amafaranga ukoresha, ukabasha kuzigama. Ubitekerejeho urumva ari ibintu byoroshye, ariko siko byorohera abantu bose. Icyo dusaba abasoma inyandiko zacu, ni uguhindura imyitwarire n’imyumvire bakamenya gukoresha neza amafaranga yabo.
SOMA IZINDI NYANDIKO ZIRI KURI URU RUBUGA
Mugire amahoro.
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