Amabanga yagufasha kuba umukire muri iki gihe

Kuba umukire no gutera imbere ntabwo byizana. Biraharanirwa kandi birakorerwa. Mu nyandiko y’uyu munsi tugiye kuvuga kuri amwe mu mabanga yagufasha kuba umukire muri iki gihe tugezemo:

1) Kugira ibintu byinshi bikwinjiriza amafaranga

Nk’uko twabigarutseho mu nyandiko zacu zinyuranye (KANDA HANO UZISOME), biragoye ko umuntu yaba umukire afite ikintu kimwe gusa kimwinjiriza amafaranga. Abahanga mu by’ubukungu bavuga ko nibura kugira ngo umuntu abe umukire agomba kugira ibintu bigera cyangwa birenze bine bimwinjiriza amafaranga.

Si ngombwa ko ibyo bintu bikwinjiriza amafarana biba ari imirimo cyangwa akazi ukora, kuko biragoye ko umuntu yakora utuzi tune icya rimwe. Ariko birashoboka ko wagira indi mishinga cyangwa ibindi bikorwa ushoramo amafaranga yawe akunguka. Ayo mafaranga yinjijwe mu bindi bikorwa washoyemo amafaranga yawe niyo bakunda kwita mu cyongereza “Passive Income”. Ayo ni amafaranga winjiza bidaturutse ku kuba wagiye kuyakorera buri munsi nk’uko bigenda ku mushahara.

Niba rero ushaka kuba umukire no gutera imbere, guhera uyu munsi shaka ibindi bintu bikwinjiriza amafaranga birenze kimwe. Ugire ibintu nibura bine ukuraho amafaranga, kaba akakazi cyangwa ibindi bikorwa uzashoramo amafaranga yawe bikaguha “Passive income”.

2) Kuzigama (Saving)

Kuzigama naryo ni ibanga rikomeye abantu benshi bateye imbere bahuriraho. Amafaranga umuntu azigama niyo amugoboka mu bihe bikomeye. Amafaranga umuntu azigama niyo kandi amufasha kuba yabona igishoro ajyana mu yindi mishinga imufitiye inyungu.

Biragoye ko umuntu yatera imbere atazigama. Waba ukorera umushahara cyangwa ukora ubucuruzi bunyuranye, zirikana buri gihe ko ugomba kugira umubare w’amafaranga uzigama kugira ngo azakugoboke mu bihe bikomeye cyangwa uzayagire igishoro ujyana mu yindi mishinga.

KANDA HANO UMENYE AMABANGA YAGUFASHA KUZIGAMA

3) Gushora amafaranga yawe mu bindi bikorwa byunguka (Investing)

Hari imvugo twanditse mu nyandiko yacu yatambutse mbere ivuga ngo: “kuzigama ni byiza ariko gushora amafaranga wazigamye mu bikorwa bibyara inyungu ni byiza kurushaho”. Ntabwo ugomba kuzigama nta ntego ufite. Intego ya mbere yo kuzigama igomba kuba iyo kugwiza amafaranga yo gushora mu yindi mishinga ibyara inyungu. Ibi ni nabyo bizagufasha kugira ibikorwa byinshi cyangwa imishinga myinshi ikwinjiriza amafaranga.

Niba rero nawe ushaka gutera imbere, tangira uyu munsi ujye wizigama, ariko wibuke no gufata ayo mafaranga wazigamye uyashore mu yindi mishinga ibyara inyungu aho kuyagumisha kuri konti ya banki ntacyo akora; kabone n’ubwo yaba ari kuri konti yunguka.

Muri iyi nyandiko twagarutse ku mabanga atatu yagufasha kuba umukire ariyo: kugira ibintu byinshi bwikwinjiriza amafaranga, kuzigama no gushora amafaranga yawe mu bikorwa bibyara inyungu.

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