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Dukora ngo tubeho ntitubaho ngo dukore! Iga uko wakoresha amafaranga umenye impamvu iteka ushaka icyo yakoze ukakibura

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Amafaranga ni ikintu buri wese ahangayikira. Turibaza duti ‘Ese amafaranga ni umugisha cyangwa ni umuvumo? Ese ni umuzigo buri wese yiyikoreza cyangwa ni impano?’. Suze Orman ati ”Niba ukunda kugura icyayi buri munsi, ushobora kuba uri kugabanya amahirwe yawe yo kuba umuherwe”. Iyi nkuru iragufasha kumenya uko uzajya ukoresha amafaranga.

Umuntu aravuka, agakura, akiga cyangwa agashaka ibintu azahugiramo mu gihe azaba yarabonye izindi nshingano mu buzima cyangwa se yitegura kuzibona. Aha mwene muntu aba atekereza amafaranga gusa ndetse n’icyo azayamaza amaze kuyabona. Ahari nawe urabyibutse koko wagiye gushaka akazi uri kwibaza uti “Ese bampa amafaranga angahe? Ese ahubwo ndakabona? N’ibindi byinshi”.

Mu by’ukuri mwene muntu amara imyaka myinshi y’ubuzima bwe, ari gukorera amafaranga, uko ayakorera ni nako ayabona akayishyura buri munsi mu tuntu dutandukanye, ariko nta mwanya abona wo kwibaza niba amafaranga akorera hari icyo ari kumukemurira mu buryo butagarara, cyangwa niba yagakwiriye no kurekeraho kuyashaka burundu.

Uzabona abantu benshi bafite amafaranga ariko usange mu buzima bwabo ntabwo bishima, mbese usange amafaranga bafite nta gaciro abahereza. Mu gihe ku rundi ruhande hari abo uzasanga nta mafaranga bafite ariko babayeho neza bishimye ndetse baha agaciro n’ubuzima babayemo.

Benshi mu batuye isi baturuka mu miryango ikomeye mu bijyanye n’ubukungu (Bafite amafaranga menshi) kandi nawe uri gusoma iyi nkuru wasanga ari uko bimeze. Gusa kuri bamwe kutagira amafaranga bibashyira hasi, bakagenza gake buri kimwe bakora, mu gihe ku rundi ruhande hari abo igihe kirekire gifasha kuzigama amafaranga azabafasha mu kindi gihe kirekire kiri imbere yabo. Ese uzi gushora mu cyo wakora kano kanya?

Ibibazo by’amafaranga ni ikintu kitatugiraho ingaruka umwe kuri umwe. 44% by’abantu bari mu zabukuru bavuze ko amafaranga ari cyo kintu kibatesha umutwe mu mibanire yabo n’abo bakunda. Ntabwo amafaranga afite amaboko ariko aradufata akadukomeza rimwe na rimwe agakurura intekerezo zacu ndetse n’izabo tubana igihe ku kindi. Nituvuga gutyo wumve ko amafaranga ashobora kuba impano nziza  cyangwa akaba umwanzi mubi kandi mu gihe kimwe.

Urashaka kuba umukire ukagera kuri byinshi ariko, ibigutwara na duke warufite nabyo byiyongera umunsi ku munsi. Aha turavuga urugero nk’amafaranga y’ishuri, amafaranga wishyura inzu, amafaranga ukoresha utunga umuryango wawe, amadeni wafashe uba usabwa kwishyura,..Niba ushaka kugira amafaranga menshi gerageza kugabanya ibyo usanzwe ukoreshamo twa tundi dukeya ufite, wirinde kutwangiza.

Umuhanga mu mikoreshereze y’amafaranga witwa Suze Orman yaravuze ati ”Niba ugura icyayi cya buri munsi, menya ko uba ugabanya amahirwe yawe yo kuba umukire”. Arongera ati ”Niba utakaza amadorali 100 buri kwezi akenshi ugasanga uyakoresha usangira n’inshuti cyangwa ugura icyayi cya buri munsi, menya ko uhomba miliyoni y’amadorali mu gihe runaka wakabaye uyakoresha mu bindi. Ushobora gutekereza ko nibeshye ariko ntabwo bisaba undi muntu wo ku ruhande kugira ngo wiyumvishe uburyo ki wangizamo amafaranga yawe.

Suzan Orman umuhanga mu mikoreshereze y’amafaranga

Ibindi bintu twangizamo amafaranga ni mu byo tugura tuba dutekereza ko bigezweho cyangwa se biharawe kandi nyamara urebye nta n’ubwo uba ubikeneye cyane. Aha benshi murahita mutekereza imbuga nka Amazon n’izindi zibafasha kubigura. Abantu benshi bafata umwanzuro vuba vuba w’ibyo bakennye noneho bagahita bakanda ahanditse ngo “Kanda hano ugure nonaha” (Click and Buy Now). Akenshi uzasanga ikintu uguze utari ugikeneye nonaha wari nko kuzagikenera mu minsi iri imbere.

Ubundi buryo bwo kuzigama amafaranga ni ugushaka uko ugura ikintu ukeneye ariko ukagura icyakoreshejwe ho na mbere (Second Hand). Kugura ibintu byamaze gukoreshwa ho ni byiza cyane. Ushobora kuguza amafaranga inshuti yawe cyangwa ukajya kubifata ku muntu ubicuruza ukazamuha amafaranga make ugereranyije n’ayo wari gutanga ujya kugura igishya kandi kitakirusha gukora neza.

Amadorali 15 ntabwo yumvikana nk’amafaranga menshi ariko arihuta vuba vuba ku buryo uramutse uguze ibintu byakoreshejwe ushobora kuzigama arenga aya mafaranga ukuye kuyo wari usanzwe ukoresha ujya kugura ibihenze. Niba ukunda gukoresha amafaranga cyane, nyuma y’ukwezi akenshi uzicara wifate ku itama maze wibaze aho amafaranga yose wakoreye yagiye.

Ni byo ibyo dukenera ni byinshi ariko niba utazi uko utakazamo amafaranga yawe uzahora mu bihombo. Niba intego ya mbere ari ugukora kugira ngo tubeho, atari ukubaho ngo dukore, twakamenye uko dukoresha amafaranga yacu neza, ku buryo amafaranga yacu, aba ikintu kidufasha aho kuba ikintu kitubabaza. Iga gushora amafaranga yawe mu bintu biramba gusa.

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