Uburyo 6 bworoheje bwagufasha kudasesagura amafaranga yawe no gutera imbere vuba vuba


Uburyo 6 bworoheje bwagufasha kudasesagura amafaranga yawe no gutera imbere vuba vuba

Mu buzima bwa buri munsi ibyo dukora bidusaba akenshi ko dutakaza amafranga, hari igihe waba utekereza uti njyewe se ko nabyutse njya ku kazi natakaje ayahe mafaranga? Reka nkoreshe urugero rworoheje nkubwira ukuntu wakoresheje amafranga ndetse menshi kuva ubyutse kugera ugeze ku kazi nyamara wowe ushobora kuba utabikekgaga.

Ubyuka mu gitondo wacanye itara aha amafranga yagiye, wahise ujya mu bwogero aha naho wakoreshejeyo andi, nyuma yaho wogeje amenyo ayo ni andi mafaranga, nyuma yibi wisize ayo ni amafaranga, urambara witera imibavu andi mafaranga aba aragiye. Ntiwarekeye aho wakomeje ufungura telefoni uti reka ndebe ibiramutse bivugwa andi mafaranga aragenda, urakomeza ujya kurya ifunguro rya mugitondo andi mafaranga aragenda urangije uti reka mfate moto nihute ntakererwa uyu nawe wagutwaye wamusigiye andi. Ese ukoze igiteranyo wasanga aya mafaranga ari make? Kandi siyo yonyine dukoresha mu munsi tutabizi.

Dukurikije ibi bivuzwe haruguru, biragaragara ko dukoresha amafaranga menshi, ahubwo akenshi tuyakoresha tutanabizi, akenshi ikintu kidukomerera mu kwizigamira ni ukubitangira. Bishobora kuba bikomeye kubona uburyo byoroheje wakoreshamo neza amafaranga n’uburyo ayo uzigamye wayakoresha ngo ugere ku ntego zawe, ariko birashoboka. Muri iyi nkuru tugiye kugaruka ku buryo bwiza kandi bworoheje bwagufasha gukoresha neza amafaranga yawe.

  1. Kora urutonde rw’ibyo ukenera.

Intambwe ya mbere wakoresha uzigama amafaramga yawe ni ukubasha kumenya ayo usohora mu gihe runaka, bityo rero ukwiye kumenya ibyo byose ukenera ubanje kubyishura. Rero iyo umaze gukora urwo rutonderw’ibyo ukenera byose bizagufasha kumenya icyo amafaranga yakoze bitumen utayapfusha ubusa mubyo udakeneye.

  1. Kora ingengo y’imari yawe.

 

Niba wamaze kumenya ingano y’amafaranga utakaza mu gihe runaka, ushobora gutangira gutunganya neza ibyo ukenera ubisanisha n’ubushobozi ufite. Ingengo y’imari yawe igomba kuba yerekana neza uko ibyo ukenera bingana tugereranije n’ibyo winjiza, kuko bigufasha gutegura neza kumenya uko usohora amafaranga bityo bikakurinda kuyasesagura. Hejuru y’ibyo wibuke gushyira mubyo ukenera cya kintu uzi ukunda gukenera kabone nubwowaba utagikenera buri gihe.

3.Tegura ibijyanye no kuzigama.

Akenshi dukunda kwibeshako abazigama ari abafite amafaranga menshi, ariko se amafaranga menshi ni angahe? Ijana se? igihumbi? miliyoni…, ubusanzwe nta mafaranga make cyangwa menshi abaho biterwa n’icyo yagenewe gukoreshwa. Iyo akoze icyo yagenewe neza agasaguka icyo giheyitwa menshi ahoatagikora ngo kirangire akitwa make.

Iyo rero umaze gukora ingengo y’imari yawe,tangira wizigame uyigendeyeho. Gerageza urugero ufate nk’ icumi cyangwa se cumi na gatanu ku ijana (10-15%) nk’ubwizigame bwawe. Kandi niba usanze ibyo ukenera biri hejuru cyane ku buryo bitakwemerera kuzigama, ni ikimenyetso cyiza ko ukwiye kubigabanya. Uburyo bwiza wabigabanyamo ni ukureba bya bindi bitari ingenzi kandi wanakeneraga gake akaba aribyo uheraho.

 

  1. Gira intego uzigamira.




Bumwe mu buryo bwiza bwokuzigama amafaranga ni ukwiha intego. Tangira utekereza kucyo waba wumva uzigamira, kandi ntuterwe ipfunwe nicyo aricyo guhera ku kantu gato koroheje kugeza no ku kinini, nyuma unamenye igihe bizagutwara ngo ukizigamire. Ibukako mu buzima iyo utihaye intego ntacyo wageraho, ihe intego uzigamira rero,kandi ibe ari iyawe ntawe wiganye kuko ntawe muhuje ibyifuzo n’amafaranga.

  1. Menya guhitamo icyihutirwa.

Nyuma yo kumenya ibyo ukenera n’ibyo winjiza, intego zawe nizo zigiyekugira impamvu nyamukuru ku buryo uzigamamo amafaranga yawe. Buri gihe uhore uzirikana kuri za ntego z’igihe kirekire, kuko ni ngombwa ko utegura neza urugero amasaziro yawe kurusha uko waha agaciro kujya mu gitaramo cya muzika gikomeye. Kumenya guhitamo neza iy’ibanze mu ntego zawe bizagufasha kumenya aho wahera uzigama. Urugeroniba wumva wifuza kuzagura inka mu mwakautaha, tangira wigomwe amafaranga amwe uyu munsi.

  1. Genzura niba ubwizigame bwawe bukura.

Genzura kwizigama kwawe kugenda mu gihe runaka wihaye. Ibi ntibigufasha gusa mukugumamu murongo mwiza wiyemeje ahubwo binatuma ubona ukanakemura ibibazo mu buryo bwihuse.Ubu buryo bworoheje bwo kuzigama amafaranga yawe bushobora no kugutera kuzigama menshi kugirango ugere ku ntego zawe vuba.

Kuri wowe rero wavugaga ko hazigama abifite sibyo, nta muntu utazigama apfa kuba abishaka gusa. Kuri nawe wahoraga wibaza aho amafaranga yawe ajya wabonyeko hari nagenda utabizi. No kuri mwe mugiye gutangira kuzigama nababwirango mugire ubukire.

 

Byanditswe na : RUGERO Sixte



Comments 1

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  1. Mwakoze kudutekerezaho mukatugira inama , tumenye aho amafanga ajya ndetse n’ uburyo twakwizigamira , none se inama z’uburyo twabona akazi kugirango tubone ayo tubarira(dukoresha tukanazigama) Ni ubuhe?
    Nimudufashe rwose kuko umuntu ntikora ingengo y’imari atagira.

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