Iterambere ni indirimbo twese turirimba buri munsi. Ryaba iry’umuntu ku giti cye, umuryango, akarere cyangwa igihugu. Hari abibwira ko abantu bitwa ko bifite bose ari uko hari aho batangiriye, nyamara si ko bimeze. Abitwa ko bifite bose si uko bakomoka mu miryango ikize, ahubwo iyo uganiriye nabo usanga ari intego bihaye mu buzima bifuzaga kugera ahantu runaka; hanyuma bakitangira gukora bagana kuri iyo ntego. Abahanga mu by’ubukungu hari amahame 5 bavuga ko ari ifatizo mu kwiteza imbere, tutarebeye ku mushahara uhembwa; ahubwo bigasaba ko umuntu ayashyira mu bikorwa.
1. Koresha amafaranga macye kurusha ayo winjiza
Kugira ugire icyo ugeraho utegerezwa kuba umushahara wawe cyangwa amafranga winjiza ari mensi kurusha ayo usohora. Ku muntu ufite intego yo kwiteza imbere, ni byiza ko imibereho yawe ijyana n’ubushobozi bwawe.
Urugero niba uhembwa amafaranga ibihumbi ijana; kujya gutura mu nzu wishyura ibihumbi mirongo itanu, ubwo wongereho ayo kurya n’utundi tuntu ku ruhande; uzisanga udasagura n’igiceri cy’ijana ahubwo ubereyemo imyenda abantu.
Iyo usohoye macye kurusha ayo winjiza bigufasha kuba wabika cyangwa witeganiriza ibihe utazi. Impuguke mu by’ubukungu zivuga ko wagerageza kubika nka 20% by’umushahara wawe kuri konti, mu kimina cyangwa mu kintu runaka.
2. Ongera ayo winjiza
N’ubwo washyira imbaraga mu kubika, ariko hari aho bigera ntibibe bihagije, kuko ayo mafaranga rimwe na rimwe usanga ari macye cyane ku buryo nta cyintu gikomeye yakumarira. Ku bw’ibyo rero ukwiye gushaka ubundi buryo wakwagura imirimo yawe wenda ugakora cyane ku buryo wuzuza ibisabwa ngo ube ushobora guhabwa poromosiyo mu kazi cyangwa ugatangiza ubundi bushabitsi (business) ku ruhande yakwinjiriza amafaranga yiyongera ku mushahara.
Urugero: niba ubona aho mukorera muri benshi; ushobora gutangiza aka business ka mituyu (me2u) mu bo mukorana n’inshuti zawe, ukaba uborohereje kujya ku muhanda kandi ugasanga hari inyungu ubona uko yaba ingana kose iruta ubusa.
3. Utegerezwa kugira ikigega cy’ingoboka
Mu buzima, duhura n’ibintu bitandukanye byaba bibi cyangwa ibyiza. Ariko hari igihe usanga ibibi tudashaka kwemera ko byatubaho ugasanga duhora dutungurwa na byo. Aha twavuga nk’uburwayi butunguranye, urupfu rw’umwe mu bahahiraga urugo, gutandukana kw’abashakanye, kwirukanwa ku kazi n’ibindi. Mu gihe rero kimwe muri ibi tuvuze haruguru kikubayeho; amafaranga witeganyirije arakugoboka.
Kugira ikigega cy’amafaranga udakoramo, ahubwo uteganyiriza mu gihe waba ufite ikibazo gikenewe ni iby’agaciro. Impuguke nyinshi mu bijyanye n’iby’ubukungu zivuga ko ikigega cyawe cyangwa kwizigama ikwiye kuba mu by’ingenzi bikorwa nawe buri kwezi. Nta wishimira ibyago ariko dukwiye guhora twiteguye kuko bibaho, yewe nta bije nabwo uyakoresha ikindi kintu cy’akamaro mu buzima bwawe.
4. Kwirinda amadeni mu bishoboka byose
Ideni ni ikintu kibi kandi gikomeye, umuntu wese yakwiha intego yo kucyirinda kuko gihorana ingaruka mbi. Haba ideni rya Banki cyangwa iry’umuntu yaguhaye. Urugero ideni rya banki, iyo utaryishyuye nk’uko biteganyijwe bateza cyamunara imitungo yawe cyangwa ibikorwa byawe. Burya banki ntijya ihomba ahubwo ihora yunguka.
Naho ideni mu nshuti n’abavandimwe nabyo birabateranya kuko hari igihe bibwira ko wabirengagije cyangwa wabambuye, bikaba rero byabaviramo imyiryane. Ubwo rero ukwiye gukora iyo bwabaga ukirinda icyitwa ideni ryose. Mu gihe warifashe ukwiye kuba wateganije uburyo bwo kuryishyura wizeye 100%.
5.Teganyiriza izabukuru
Mu buzima, umuntu aravuka, akarerwa n’ababyeyi cyangwa umuryango, akagera igihe aba umusore akubaka urugo yewe nyuma akajya mu za bukuru azivamo apfuye. Rero iyo umuntu arimo gushaka imibereho agifite imbaraga akwiye guhora yibuka ko hari igihe azasaza ku buryo atazaba agishoboye gukora. Rero ibyo yifiteho akaba ari byo bizamutunga muri icyo gihe.
N’aho umuntu yabika amafranga magana atanu (500Frw) mu cyumweru; ubwo mu kwezi ni amafranga ibihumbi bibiri (2.000 Frw); mu mwaka ni ibihumbi makumyabiri na bine (24.000Frw). Umuntu yakoze imyaka 30 yizigamira aya mafaranga ibuhumbi magana arindwi na makumyabiri (720.000 Frw) yabitse ku ruhande. Aya Kandi yaza asanga andi waba warakoreye. Kwiteganiriza rero ntabwo ari ikibazo cy’ubushobozi ahubwo ni amahitamo yawe.
Hitamo neza, ubeho neza.
Irene Nyambo
