Kuba uhora ubura amafaranga birababaza kandi bigatera guhangayika. Ariko inkuru nziza ni uko ushobora guhindura uko ubayeho mu by’imari. Birasaba guhindura imitekerereze, kwirinda imitego y’amafaranga, kugabanya ibyo ukoresha no kongera ibyo winjiza.
Guhindura Imitekerereze
Banza wishyirireho intego zisobanutse. Tekereza uko wifuza ko ubuzima bwawe bw’imari bumera mu mezi make ari imbere no mu myaka iri imbere. Shyiraho intego z’igihe gito n’iz’igihe kirekire kugira ngo ugire imbaraga zo gukomeza.
Reka kwigereranya n’abandi. Niba ukoresha amafaranga menshi ngo werekane ko ushoboye, uba wisenya buhoro buhoro. Agaciro kawe ntigapimirwa ku byo waguze. Jya ubaho mu rwego rw’amafaranga winjiza.
Kurikirana amafaranga ukoresha buri munsi. Andika buri kintu cyose ugura, n’iyo cyaba ari gitoya. Ibi bizagufasha kumenya aho amafaranga yawe ajya no gufata ibyemezo byiza.
Niba ufite amadeni, tegura uburyo bwo kuyishyura. Shyira imbere amadeni afite inyungu nyinshi, kandi uge ushyiraho amafaranga y’inyongera yo kuyagabanya vuba. Uko uzagenda wiyishyura, ni ko uzumva worohewe.
Tangiza kwizigama, n’iyo byaba ari make. N’iyo waba uzigamye amafaranga make buri kwezi, bizagufasha mu bihe by’amage kandi bikure mu muco wo gukoresha ibyo winjiza byose.
Kwirinda Inguzanyo z’Amarangamutima ku Mafaranga
Irinde kuguriza abandi amafaranga niba nawe utabashije kwiyitaho neza. Kubanza gukemura ibibazo byawe ni byo by’ingenzi.
Irinde inguzanyo zihenze cyane zifite inyungu z’umurengera. Zishobora kukuzanira umutwaro w’amadeni ukomeye kurushaho.
Mbere yo kugura ikintu ku nguzanyo, banza usobanukirwe neza n’inyungu uzishyura n’igihe bizagutwara. Soma neza ibisobanuro byose kugira ngo utazatungurwa.
Irinde kugura ibintu ku bw’amarangamutima. Jya ubanza utekerezeho iminsi mike mbere yo kugura ikintu kinini. Kenshi icyifuzo kirashira.
Niba gukoresha ikarita bikugora kuguma mu ngengo y’imari, jya ukoresha amafaranga mu ntoki ku bintu bitari iby’ingenzi.
Kugabanya Ibyo Ukoresha
Suzuma imyitwarire yawe ya buri munsi. Ese ugura ikawa buri munsi? Ese ugura amafunguro hanze kenshi? Ibi bintu bito bishobora gutwara amafaranga menshi mu gihe kirekire.
Gerageza kugura ibintu byakoreshejwe ariko bikimeze neza, nko ku myenda cyangwa ibikoresho byo mu rugo. Ushobora kubona ibintu byiza ku giciro gito cyane.
Reba amafaranga wishyura buri kwezi ku byo wiyandikishijeho, nko kuri televiziyo, interneti cyangwa telefoni. Niba hari ibyo utagikoresha cyane, bishobora guhagarikwa.
Jya ugereranya ibiciro mbere yo kugura. Koresha impapuro z’inyongera (coupons) cyangwa ushake aho ibintu bigurishwa ku giciro gito.
Gushaka uburyo bwo kwidagadura budahenze nabyo ni ingenzi. Ushobora gutumira inshuti mu rugo aho gusohokera mu ma resitora ahenze, cyangwa ukitabira ibikorwa by’ubuntu bibera aho utuye.
Gabanya kandi amafaranga y’amashanyarazi n’amazi ukoresha. Zimya amatara utari mu cyumba, kandi ukoreshe ibikoresho bizigama umuriro.
Kongera Ibyo Winjiza
Niba kugabanya bidahagije, tekereza ku buryo bwo kongera amafaranga winjiza. Ushobora gushaka akazi keza kurushaho cyangwa gusaba kuzamurwa ku mushahara niba ubikwiye.
Ushobora no gukora akazi k’inyongera ku ruhande, nko gutanga serivisi zijyanye n’ubumenyi bwawe, gucuruza ibintu ukoze, cyangwa gukora imirimo y’igihe gito.
Reba kandi ibintu utagikoresha mu rugo ushobora kugurisha ukabona amafaranga y’inyongera.
Kureka kuba umukene si ibintu bibaho mu ijoro rimwe. Ni urugendo rusaba kwihangana no guhora ufata ibyemezo byiza. Ariko iyo uhinduye imitekerereze yawe, ukagabanya ibyo ukoresha kandi ukongera ibyo winjiza, buhoro buhoro ugera ku bwisanzure mu by’imari no ku mahoro yo mu mutima.