Kumenya gukoresha amafaranga no kuyacunga neza naryo ni ibanga rikomeye rishobora kukugira umukire. Hari abantu bazwi ko bazi gukoresha amafaranga yabo neza, hari n’abazwi ko bakoresha amafaranga yabo nabi. Abakoresha amafaranga yabo neza, baba bafite amahirwe menshi yo kuba abakire cyangwa gutunga amafaranga menshi. Abakoresha amafaranga yabo nabi baba bafite ibyago byinshi byo kuba abakene cyangwa guhora mu madeni adashira.
Mu nyandiko y’uyu munsi, urubuga rwanyu, imbere.rw twabegeranyirije amabanga 6 yagufasha gukoresha amafaranga yawe neza, bikakuganisha mu nzira y’ubukire n’iterambere:
1) Kugura ibintu ukeneye (needs) aho kugura ibyo ushaka (wants); kugura ibintu ukeneye kurusha ibindi.
2) Gukora ingengo y’imari y’uko ukoresha amafaranga yawe.
3) Gukora urutonde rw’ibyo uzagura mbere y’uko ubona amafaranga. Nko ku bantu bahembwa ku kwezi, ni byiza ko ukora gahunda cyangwa urutonde rw’ibyo ukeneye kuruta ibindi uzagura niwabona umushahara.
4) Kuzigama. Ibi nabyo ugomba kubiteganya mbere y’uko ubona amafaranga. Mbere yo kwakira amafaranga ugomba kuba wagennye ingano y’ayo uzigama mbere yo kuyakoresha.
5) Gushora amafaranga yawe mu bindi bikorwa bibyara inyungu (investing).
6) Kugabanya amafaranga ukoresha mu bikorwa byo kwinezeza no kwishimisha
Aya mabanga twagaragaje ni amwe mu y’ingenzi yagufasha gukoresha neza amafaranga yawe. Icyo ukwiye kumenya ni uko mu gihe ubonye amafaranga utagomba kuyakoresha mu bintu utateganyije mbere cyangwa ibintu udakeneye cyane. Usabwa gukora gahunda y’ibyo uzagura kandi ukazirikana kuzigama no gushora amafaranga yawe mu yindi mishinga ibyara inyungu kugira ngo yunguke kandi yiyongere.
KANDA HANO USOME IZINDI NYANDIKO BIJYANYE
Mugire amahoro
Ubwanditsi bwa imbere.rw
Tel: +250785115126
Email: imbere2020@gmail.com
