Igitabo cyitwa The Millionaire Next Door cyanditswe na Thomas J. Stanley na William D. Danko mu mwaka wa 1996 kivuga ko abantu benshi tubona bagaragara nk’abakire abenshi baba ari abakene. Hari n’abandi baba bakize ariko wababona ukagira ngo ni abakene bitewe n’uko babaho n’uko bagaragara.
Mu isi y’iki gihe, aho ikoranabuhanga n’imbuga nkoranyambaga zateye imbere, abantu bashaka kugaragara nk’abakire ndetse abenshi ushobora no kubareba ukibwira ko ari abakire kandi atari bo.
Uyu munsi tugiye kuvuga ku bintu bigaragaza kandi bigatandukanya abakire n’abakene abantu tutajya dusobanurikwa. Mu kugaragaza itandukaniro riri hagati y’abakire n’abagaragara nk’abakire kandi ari abakene, turibanda cyane cyane ku myambarire, imibereho, imikoreshereze y’amafaranga n’uburyo bwo kuyakorera.
KANDA HANO USOME IZINDI NYANDIKO BIJYANYE
Imyambarire
Abantu bakize ntibajya bata umwanya ku myambarire. Ntabwo bagura imyenda ihenze cyangwa imyeda ifite za “marques” zihenze ku isi. Bambara ibintu bisanzwe ku buryo mwahurira no mu nzira ntumenye ko ari umukire.
Abakene cyangwa abashaka kugaragara nk’abakire kandi bakennye usanga ari bo bambara ibihenze kandi byinshi. Usanga baharanira kwereka abandi ko bakize babinyujije mu myambaro. Aba ni ba bandi bashobora no gusaba inguzanyo yo kugura imyenda, amasaha n’imitako.
Imodoka bagendamo
Abakire benshi usanga bagenda mu modoka zisanzwe kandi zidahenze cyane. Abenshi bagura imodoka mu gihe babonye ari ngombwa kandi babonye ko bashoboye kwishyura ibyo isaba byose.
Abakene cyangwa abashaka kugaragara nk’abakire kandi ari abakene bo bashobora kugura imodoka ihenze ariko badafite n’aho kuyiparika cyangwa badashobora no kwishyura ibyo imodoka ikeneye. Imodoka bayifata nk’ikintu cy’agaciro mu gihe abakire bo bayifata nk’igikoresho gisanzwe umuntu akenera mu buzima bwa muri munsi.
Imibereho
Abakire barangwa no kuba ahantu horoheje. Abakire ntibakunda kuba mu nzu zirimo ibikoresho byinshi bihenda kandi kenshi bitwara amafaranga. Ikindi kiranga abakire ni ugukurikirana ubuzima bwabo no gukora siporo n’indi myitozo ngororamubiri kugira ngo bahorane ubuzima bwiza.
Ku rundi ruhande, abakene bashaka kugaragara nk’abakire baba ahantu hahenze, hari n’ibikoresho bihenze rimwe na rimwe bakemera bagafata n’inguzanyo kugira ngo bagure ibyo bikoresho nk’uko twabivuze haruguru.
Uko bakorera amafaranga
Abakire baba bafite ubryo bworoshye bwo gukorera amafaranga. Abenshi muri bo amafaranga niyo abakorera aho kuyakorera nk’abakene. Abakire baba bafite ibintu byinshi bibinjiriza amafaranga. Ni ukuvuga ko baba bafite imishinga myinshi bashoyemo amafaranga yabo ku buryo niyo hamwe yahomba ahandi yakunguka.
Abakene babona amafaranga mu buryo bugoranye. Bo bakorera amafaranga. Abakene benshi usanga bafite ikintu kimwe kibinjiriza amafaranga kandi akenshi usanga ari akazi bakora muri kompanyi z’abandi bahembwa umushahara w’ukwezi. N’uwikorera usanga akora ikintu kimwe gusa.
Imikoreshereze y’amafaranga
Abakire usanga bazi kandi bafite ubumenyi mu gukoresha amafaranga. Igice kinini cy’amafaranga yabo barayazigama cyangwa bakayashora mu mishinga yunguka.
Abakene usanga amafaranga yabo menshi bayamarira mubyo bakeneye. Abakene benshi ntabwo bizigama ahubwo usanga bafite amadeni menshi kandi amadeni baba barayafashe nabwo bagura ibintu bidafite agaciro nk’imyenda, imitako, imodoko n’ibindi.
Muri iki gihe, kugaragara nk’umukire biroroha kubigeraho kurusha kuba umukire nyawe. N’ubwo kugaragara nk’umukire byoroha, ariko bishobora kukubuza kuba umukire nyawe kuko aho gukora ushaka kuba umukire no gutera imbere nyabyo, uhora ubaho ubuzima butajyanye n’ubushobozi bwawe. Niyo mpamvu asanga utunze imodoka ariko utabasha kuyibonera ibyo ikenera; niyo mpamvu usanga wambaye imyenda ihenze kandi warayiguze ubanje gusaba ideni cyangwa inguzanyo.
Inama tugira abantu ni uko baharanira gutera imbere aho kugaragara nk’uteye imbere kandi atari byo. Ibyo bijyana no kumeya urwego urimo n’ubushobozi ufite ukabaho mu buryo bujyanye n’ubwo bushobozi. Iyo ushatse kugaragara nk’umukire, biragoye ko wagera ku bukire nyabwo.
Ibanga rikomeye twabwira abasoma inyandiko zacu ni ukumenya imyitwarire ishobora gutuma tudatera imbere kubera kugerageza kwereka isi ko dukize kandi tudakize. Iyo uhora ushaka kugaragaza ko uri umukire kandi utari we, nabyo bituma urushaho gukena.
ANDI MABANGA YAGUFASHA KWITEZA IMBERE
Mugire amahoro.
Ubwanditsi bwa imbere.rw
