Mu nyandiko zacu zatambutse mbere, twagaragaje ko umuntu wese ushaka gutera imbere no kuba umukire agomba kugira ahantu harenze hamwe akura amafaranga.
Abahanga mu by’ubukungu bavuga ko nibura umuntu agomba kugira ahantu harenze hatatu akura amafaranga kugira ngo agere ku nzozi ze zo kuba umukire.
Mu gihe ufite umushinga ukora, ni byiza ko ushaka indi mishinga iwushamikiyeho cyangwa ijyanye nawo mu rwego rwo kongera ingano y’amafaranga winjiza. No ku bafite akazi kabahemba umushahara, ni byiza ko bashaka ikindi kintu bakora ku ruhande nacyo gishobora kubinjiriza andi mafaranga. Ibi nibyo dukunda kwita mu cyongereza “Side Hustle” cyangwa “Side Job”, bisobanuye akandi kazi ubangikanya n’ako usanzwe ukora mu rwego rwo kongera ingano y’amafaranga winjiza.
Hari abantu bibwira ko bidashoboka ko umuntu yagira ibintu birenze kimwe bimwinjiriza amafaranga, ariko birashoboka cyane. Ushobora gushora amafaranga yawe mu mishinga idasaba ko uhora uyikurikirana. Ushobora kandi gukora umushinga ukoreshamo abakozi, nawe ugakomeza ugakora ibyo wari usanzwe ukora. Ushobora kandi no kugira imishinga irenze itatu wikorera ubwawe bitagusabye gukoresha abakozi.
Kugira ngo nsobanure neza icyo kugira ibintu birenze kimwe bikiwnjiriza amafaranga bisobanuye, ngiye gukoresha ingero z’ubuhamya bw’abantu batatu nzi bashoboye kugira ibintu birenze kimwe bibinjiriza amafaranga kandi mu buryo bworoshye:
1) Uwa mbere ni umugabo tuziranye. Mu mwaka wa 2015 yatangiye gukora ubworozi bw’ingurube. Nyuma y’imyaka ibiri abona ubworozi burunguka ariko ifumbire akura mu bworozi akayigurisha ku giciro gito, rimwe na rimwe akabura n’abayigura. Indi mbogamizi yagiraga ni ukuzamuka kw’ibiciro by’ibiryo by’ingurube. Mu mwaka wa 2017, yiyemeje kujya akodesha imirima yari hafi y’aho yororera, atangira kwihingira ibigori akoresheje ya fumbire iva mu ngurube ze. Ibyo byatumye abona umusaruro w’ibigori, agenda yagura ubuhinzi n’ubworozi bwe, atangira no kwikorera ibiryo by’ingurube ze. Mu mwaka wa 2020, nawe yatangiye kujya agurisha ibiryo by’amatungo ku bandi borozi. Mu mwaka wa 2022, uyu mugabo yari amaze kwagura ubworozi bwe yorora nibura ingurube zirenze 500. Ya sambu yakodeshaga, ubu yamaze kuyigura kandi aracyakomeje kwagura umushinga we. Ubwo kuva mu mwaka 2015 kugeza ubu uyu mugabo afite imishinga itatu: ubworozi bw’ingurube, ubuhinzi no gucuruza ibiryo by’amatungo. Ateganya no gukora uruganda rukomeye rukora ibiryo by’amatungo.
2) Uwa kabiri tuziranye ni umwarimu. Mu mwaka wa 2010 yatangiye akazi k’ubwarimu. Nyuma yo kubona ko amafaranga ahembwa yonyine adashobora guhaza ibyifuzo bye no gukemura ibibazo byose yari afite, yagiye mu UMWALIMU SACCO yaka inguzanyo atangira gukora ubucuruzi bw’imyaka. Mu gihe cyo gusarura imyaka yaguraga imyaka myinshi akayibika igihe gito, nyuma igiciro cyayo cyazamuka akayigurisha. Ibyo yabikoze akinakora akazi ke ko kwigisha. Mu mwaka wa 2016, uyu mwarimu yaguze imodoka itwara imyaka. Noneho akajya ajya kurangura imyaka mu bice bitandukanye by’igihugu akaza akayicuruza ku barangura. Mu mwaka wa 2020 uyu mwarimu yari mu bantu ushobora kubaza igishoro cya miliyoni 50 Frw akayakwereka. Muri iki gihe, uyu mwarimu aracyakora akazi k’ubwarimu, agacuruza imyaka, akagira n’iduka rikomeye rikoramo umugore we.
3) Uwa gatatu ni umugabo ukora akazi ko gucunga umutekano muri imwe muri Kompanyi zicunga umutekano mu Rwanda. Mu mwaka wa 2015 yakoraga akazi ko gucunga umutekano kandi yakoraga nijoro gusa, ku mwanywa akirirwa aruhuka. Yaje guhura n’umuntu amugira inama yo gushaka akandi kazi akora kunganira umushahara ahembwa. Mu mwaka wa 2016 yabonye akazi ko gucuruza muri “Alimentation”; ako agakora ku manywa, kuva saa moya za mu gitondo kugeza saa cyenda z’amanywa. Yakarangiza agakomereza ku kazi ko gucunga umutekano. Mu mwaka wa 2018, uyu mugabo yakoresheje amafaranga yazigamye agura moto ayiha uyitwara akajya “amuverisa” nawe akomeza kwikorera akazi ke ko kurinda umutekano no gukora muri “Alimentation”. Muri 2020, uyu mugabo yaguze ikibanza kandi muri iki gihe yatangiye kucyubakamo inzu ye yo kubamo.
Izi nkuru nababwiye ni iz’abantu nzi neza. Batangiye bakora ikintu kimwe ariko nyuma baratinyuka bashaka ibindi bintu bibinjiriza amafaranga.
Uretse n’aba bantu nababwiye, muzi neza ko n’abantu bazwi ku isi b’abakire nka Elon Musk, Bill Gates, Warren Buffet n’abandi benshi, baba bafite imishinga myinshi bakora ibinjiriza amafaranga. Ntawe wasanga ukora ikintu kimwe gusa.
Inama ikomeye twagira abasoma inyandiko zacu ni uko ari ngombwa ko mugira nibura ibintu bitatu bibinjiriza amafaranga. Binashobotse kandi, wagira na bitanu cyangwa ibirenze.
KANDA HANO TUGUFASHE GUTEGURA UMUSHINGA
KANDA HANO USOME IYANDIKO BIJYANYE
Mugire amahoro.
Ubwanditsi bwa imbere.rw
Email: imbere2020@gmail.com
Nkunda Inama mutugira,mufasha benshi rwose