Gukoresha amafaranga neza ntibisaba kuba umukire cyangwa gushora imari mu buryo buteye ibyago. N’iyo winjiza make, ushobora kwiga kuyacunga neza mu buzima bwa buri munsi. Icy’ingenzi ni ugushyiraho igenamigambi (budget), kwishyura amadeni, kwizigamira no gukoresha amafaranga witonze.
Gucunga Ingengo y’Imari
Intambwe ya mbere ni ukumenya intego zawe z’amafaranga. Ese ushaka kwishyura amadeni? Kwizigamira inzu cyangwa imodoka? Cyangwa ushaka gusa kugira umutekano mu by’imari? Iyo uzi icyo ugamije, biroroshye gukora ingengo y’imari ijyanye n’intego zawe.
Reba amafaranga winjiza buri kwezi yose hamwe. Shyiramo umushahara, amafaranga ava mu yindi mirimo, cyangwa inkunga iyo ari yo yose. Intego ni uko amafaranga ukoresha atarenga ayo winjiza.
Nyuma yaho, andika ibyo ugomba kwishyura buri kwezi nk’ubukode, amazi n’amashanyarazi, ibiribwa, ubwikorezi, n’ubwishingizi. Ibi ni byo by’ingenzi kandi bigomba kuza mbere y’ibindi. Hanyuma urebe n’ibindi ukoresha bitari ngombwa cyane nko kunywa ikawa hanze cyangwa gusohoka. Aha ni ho ushobora kugabanya.
Kurikirana ukoresha amafaranga buri kwezi kugira ngo umenye niba ugendeye ku igenamigambi ryawe. N’iyo rimwe na rimwe urirenzeho gato, ntucike intege—ikosore ukomeze.
Nanone, shyira amafaranga yo kwizigamira mu ngengo y’imari yawe. N’iyo yaba make, ni byiza kwizigama buri kwezi kugira ngo witegure ibihe by’amage.
Kwishyura Amadeni
Menya umubare w’amadeni yose ufite. Andika amadeni y’amakarita, inguzanyo z’amashuri, iz’imodoka cyangwa iz’inzu. Iyo uzi umubare nyawo, biroroshye gutegura uko uzayishyura.
Tangira wishyura amadeni afite inyungu nyinshi mbere, kuko atuma wishyura amafaranga menshi kurushaho uko igihe kigenda. Iyo umaze kwishyura ideni rimwe, ayo wari urishyurira uyongerere ku rindi. Uko niko uzagenda ugabanya amadeni buhoro buhoro kugeza arangiye.
Kwizigamira
Kwizigamira biroroshye iyo ufite intego. Ushobora kwizigamira amafaranga y’ubutabazi (emergency fund), ayo kugura ikintu gikomeye, cyangwa ayo kuzabeshaho mu zabukuru.
Bika ayo mafaranga kuri konti itandukanye n’iyo ukoresha buri munsi kugira ngo utayakoresha bitunguranye. Gerageza kwizigamira byibuze amafaranga angana n’ayo wakoresha amezi make mu gihe habaye ikibazo.
Iyo ubonye inyongera ku mushahara, agahimbazamusyi cyangwa andi mafaranga utateganyaga, shyira igice kinini muri konti yo kwizigamira aho kuyakoresha yose.
Gukoresha Amafaranga mu Buryo Bwiza
Banza wishyure ibikenewe mbere yo gutekereza ku byishimo n’imyidagaduro. Jya ugereranya ibiciro mbere yo kugura ikintu, haba mu maduka atandukanye cyangwa no kuri interineti.
Ku bintu bitari iby’ingenzi cyane, ushobora gukoresha amafaranga mu ntoki aho gukoresha ikarita, kuko bigufasha kumenya neza ayo ukoresha no kwirinda kurenza urugero.
Icy’ingenzi kuruta byose ni ukurikirana ukoresha amafaranga no kubaho utarenze ayo winjiza. Iyo ubikora buri gihe, ugera ku ntego zawe kandi ukagira umutekano mu by’imari.
Gukoresha amafaranga neza ni urugendo, si igikorwa cy’umunsi umwe. Ariko iyo utangiye buhoro buhoro kandi ugakomeza, biguhindura umuntu uzi gucunga neza umutungo wawe