Habaho uburyo bwinshi bwo gukorera amafaranga. Mu buzima busanzwe, habaho abantu bazi gukorera amafaranga kurusha abandi. Gukorera amafaranga ni kimwe; ariko kumenya kuyakoresha ni ikindi.
Hari igihe usanga abantu bakora akazi kamwe, bahembwa amafaranga amwe ariko ugasanga bamwe bateye imbere, babaye abakire kurusha abandi. Imwe mu mpamvu ituma abantu bahembwa amafaranga amwe ariko barutana mu rwego rw’iterambere ni uko uburyo bakoresha amafaranga yabo butandukanye. Mu bantu bakorera amafaranga habamo abamenya kuyakoresha neza kurusha abandi. Habaho n’abatamenya uko bakoresha amafaranga yabo.
Mu nyandiko y’uyu munsi, tugiye kuvuga ku buryo bwo gukoresha amafaranga buzwi nka 50/30/20 (50/30/20 budgeting rule). Ubu ni uburyo bwo gukoresha amafaranga bwavumbuwe na Senateri Elisabeth Warren wo muri Leta zunze Ubumwe za Amerika.
Ku bwa Senateri Elisabeth Warreen, amafaranga winjiza ugomba kuyakoresha mu byiciro bitatu bikurikira:
1) 50% by’amafaranga yawe uyakoreshe mu byo ukeneye (“needs”)
50% by’amafaranga winjiza cyangwa uhembwa ku kwezi ugomba kuyakoresha mu byo ukeneye ari byo yise “needs”. Aya niyo mafaranga uguramo ibyo ukeneye byose mu buzima bwawe kugira ngo ukomeze kubaho. Aya niyo wishyuramo ibigutunga, amafaranga y’urugendo, imyambaro, ifatabuguzi rya telephone, amazi umuriro n’ibindi.
2) 30% by’amafaranga yawe uyakoreshe mu bindi ushaka (“wants”)
Ibi nibyo Senateri Elisabeth Warren yise “wants”. Ni ukuvuga ibintu ushobora kugura cyangwa ntubigure ariko ntibigire icyo bihungabanya ku buzima bwawe. Bitandukanye na “needs” kuko byo ni ibintu uba ukeneye kugira ngo ubeho.
Muri “wants” hazamo nk’ibikorwa byo kwishimisha, gusohokana n’inshuti, gutembera n’ibindi. Mu buryo bw’imikoreshereze y’amafaranga ibi ni ibintu ushobora gukora mu gihe ubishaka cyangwa mu gihe utabishaka ukabyihorera ariko ubuzima bugakomeza. Inama reroSenateri Elisabeth Warren atugira ni uko bitagomba kurenza 30% by’amafaranga winjiza.
3) 20% by’amafaranga yawe ajye mu kwizigamira no guteganyiriza ahazaza
Senateri Elisabeth Warren avuga ko 20% by’amafaranga yawe ugomba kuyazigamira ahazaza. Amafaranga uzigama niyo akugira umukire. Niyo ushora mu yindi mishinga ibyara inyungu. Niyo uzakoresha mu gihe kiri imbere. Niyo uzakoresha mu kugera ku nzozi zawe zo mu gihe kiri imbere.
Muri make, Senateri Elisabeth Warren agira inama abakorera amafaranga kumenya uko bayakoresha. Bakirinda gukoresha amafaranga yose bakayamara bakibagirwa guteganyiriza ejo hazaza no kuzigamira ibihe biri imbere. Ku bwe, 50% by’amafaranga yawe uyakoresha mu byo ukeneye cyane yise “needs”. 30% ukayakoresha mu byo ushaka yise “wants” naho 20% ukayazigama cyangwa ukayateganyiriza ibihe biri imbere.
KANDA HANO TUGUFASHE GUTEGURA UMUSHINGA
Mugire amahoro.
Ubwanditsi bwa imbere.rw
Email: imbere2020@gmail.com
