Abantu benshi, cyane cyane urubyiruko rwinjira mu kazi, baba bafite inzozi nyinshi z’iterambere n’imibereho myiza. Ariko n’ubwo binjiza amafaranga, hari imyitwarire n’impamvu bagenda bihimbira zibabuza gufata ibyemezo byiza mu micungire y’imari yabo.
Abahanga mu by’imari bagaragaza ko kureka izi mpamvu hakiri kare bifasha umuntu gutangira ejo hazaza he mu buryo bukomeye.
Icya mbere: hari abavuga ko bategereje “igihe cyiza” cyo gushora imari. Nyamara, abasesenguzi bavuga ko nta gihe kiruta uyu munsi. Gutangira kare bituma amafaranga akura gahoro gahoro akunguka binyuze mu nyungu ziteranywa, mu gihe gutinza bituma umuntu atagera ku ntego ze ku gihe.
Icya kabiri: bamwe baguma ku buryo gakondo bwo kuzigama gusa, nko kubika amafaranga kuri konti z’igihe kirekire, bibwira ko ari byo bifite umutekano. Nyamara hari uburyo butandukanye bwo gushora imari bugendanye n’igihe n’urwego rw’ingaruka umuntu yemera, harimo n’imigabane ishobora gutanga inyungu irenze izamuka ry’ibiciro ku isoko mu gihe kirekire.
Icya gatatu: hari abumva ko badakeneye ikigega cy’ibihe byihutirwa. Ibi ni ukwibeshya gukomeye kuko ibihe bidasanzwe nko gutakaza akazi cyangwa kurwara bishobora kuza bitunguranye. Kugira amafaranga ahagije ashobora gutunga umuntu nibura amezi atandatu ni ingenzi mu mutekano w’imari.
Icya kane: hari abafata amakarita y’inguzanyo (credit cards) nk’ikibazo gusa. Nyamara, iyo akoreshwejwe neza, atanga inyungu zirimo kugura utishyura ako kanya, kubona amanota n’imbaduko zitandukanye. Ikibazo si ikarita ubwayo, ahubwo ni uko ikoreshwa.
Icya gatanu: abantu benshi batinza gufata ubwishingizi bw’ubuzima n’ubw’ubuvuzi, bibwira ko bagifite igihe. Abahanga bavuga ko gufata ubwishingizi ukiri muto bituma wishyura make kandi bigakurinda igihombo gikomeye mu gihe wagira ikibazo.
Icya gatandatu: hari abavuga ko badahembwa menshi ku buryo bashobora kuzigama cyangwa gushora imari. Nyamara, no kuzigama duke ariko bigakorwa buri kwezi bigira umumaro munini mu gihe kirekire, cyane iyo byubakiye ku muco wo kuzigama mbere yo gukoresha.
Icya karindwi: hari abumva ko kuziteganyiriza izabukuru bikiri kure cyane. Nyamara gutangira kare bituma umuntu agera ku kigega kinini cy’izabukuru atitwaje umusanzu munini buri kwezi, bitewe n’igihe amafaranga aba yarashowemo.
Icya munani: hari abirengagiza amanota y’inguzanyo (credit score) bavuga ko badakeneye inguzanyo. Nyamara, kugira amanota meza bituma umuntu yizerwa n’ibigo by’imari, bigafasha mu gihe yazisaba mu bihe biri imbere.
Abasesenguzi bemeza ko kureka izi mpamvu zurwitwazo no gufata ibyemezo bifatika mu micungire y’imari ari intambwe ikomeye iganisha ku buzima bufite umutekano n’iterambere rirambye.