Ibintu 10 ugomba gutangira gukora ubu niba ushaka kuzakira

Ibintu 10 ugomba gutangira gukora ubu niba ushaka kuzakira

Ibintu 10 ugomba gutangira gukora ubu niba ushaka kuzakira

Burya gutera imbere bucye bucye ukaba uzagera ku bukire ntago ari ibintu byizana. Ababashije gukirigita ifaranga no kugera ku bukire hari byinshi usanga bahuriyeho. Aha twagerageje kwandika ibintu 10 ugomba kwitaho kurubu niba ushaka kuzaba umukire.

  1. Wikorera mu gihombo urya ibirenze ibyo winjije

Iri ni itegeko rya mbere ukwiye kwitaho igihe ushaka koko kuzakira.   Uko umuntu akorera amafaranga ni nako ibiyamara byiyongera. Ibanga ryo guta amafaranga mubyo ugura, ukiyemeza kandi ukihatira gutakaza macye cyane kuyo winjiej ni ibanga rikomeye rikaba n’itegeko ugomba kugenderaho niba ushaka kuzakira. Ibi bivuze ko ntanarimwe ukwiye gukoresha amafaranga mu kwezi arenze ayo winjiza mu kwezi, ikibazo abatari bacye bagwamo.

 

2. Itunguze amategeko mato mato yo kuzigama uko winjije amafaranga

Burya hari icyo dukwiye kwigira kuri Leta z’ibihugu hafi ya byose byo ku isi. Imwe mu mpamvu zituma habaho ihindagurika ku mafaranga ava mu mufuka w’umuturage ajya mu isanduku ya Leta ni uko icyo umuturage aba yinjije kiba kiyongereye. Harubwo ukeka ko amafaranga wasabwe na Leta  bigutunguye ko utari buyabone ariko ukayihigaho ukayabona ndetse ukayatanga.

3. Fungura Konti kuri bank imwe utemereweho kubikuza uko wishakiye

Ikifuzo cyo kugura uko ubonye ibyo wagura burya kiba muri buri muntu. Igihe  ufite amafaranga kamere yawe igusaba kujya kugura ibintu rimwe na rimwe n’ibyo udakeneye ako kanya. Gufunguza konti ubitsaho amafaranga udafiteho uburenganzira bwo kubikuzaho uko wishakiye. Uko ubishoboye iyi compte wagakwiye  kuyisabaho uburenganzira bwo kubikuza nyuma y’igihe kirekire kigushobokeye. Iri naryo ni itegeko ugomba kwitaho niba ushaka kuzatunga ifaranga mu buzima bwawe.

 

4. Gira utuntu twinshi tukwinjiriza amafaranga niyo yaba ari macyeya

Burya abatunze ifaranga, uganiriye nabo bakubwira ko ifaranga kuritunga urikesha ikintu kimwe bigoye. Ubu ni uburyo ugira aho ukura ifaranga hasanzwe wirirwa, ukagira n’aho ukura ifaranga utahirirwa. Ibi bigufasha kuba wagira ikikurengera igihe ubukungu bwawe buhuye n’ikibazo. Muri rusange usanga ababashije kugera ku bukire, baba bafite aho bakura ifaranga  (Busienesses) zigera kuri 7 ibi bituma ayo uburiye iburyo uyabonera ibumoso (Uyu ni umugani w’ikinyarwanda)

 

5.  Burigiye rya ibyo ushoboye kwishyura koresha uko ushoboye wirinde gutungwa n’imwenda

Kuguzaguza bya hato na hato burya biri mu biheza umuntu mu bukene. Igihe ubona koko ugiye kugura, itegereze neza urebe neza niba icyo ushaka kugura ufite ubushobozi bwo kukishyura.  Koresha uko ushoboye icyo uguze cyose ube ubashije guhita ukishyura ako kanya nta kwikopesha.

 

6. Iyemeze buri mezi 3 icyo uzaba wagezeho ku iterambere ryawe mu byerekeranye n’imitungo 

Igihe cy’amezi atatu, igihe wikurikirana umunsi ku munsi, kirahagije ngo ugereranye icyo uzaba ugezeho.  Itegereze ukuri ku buryo winjiza ifaranga.

Teganya uti mu mezi atatu nzaba mbashije kwinjiza aya mafaranga, nzaba naraguze ibi ,  nzaba narazigamye ibi . Kugira iryo genamigabi bigufasha kumenya niba hari icyo wagezeho

 

7. Irinde gushora amafaranga yawe mu bibonetse byose 

Iri naryo ni itegeko ukwiye kugenderaho niba ushaka kuzakira. Aha niba icyo ubonye cyose bakubwira ko kirimo ifaranga igengesere mbere yo gushora amafaranga yawe banze wige neza uko azunguka n’ibibazo byabaho byatuma uyahomba.

 8. Gendera ku itegeko rya 50 – 30- 20 

Iri ni itegeko rigena imibereho yawe ya buri munsi n’ikoreshwa ry’ifaranga.  50 % yakoreshe mubyo ucyeneye kugirango ubeho… kurya, kwambara, gukodesha inzu, transport,… igihe ibyo wabirangije 30% yakoreshe mubyo wifuza igihe bibaye ngombwa. Aha ni igihe wifuje kuba wasohokana n’abandi, n’ikindi wumva koko wifuza. 20% yazigame.

Muri makeya ibyo wakora byose wizigama afaranga ari munsi ya 20% y’amafaranga winjije.

9. Gendana n’abantu bakurusha ubwenge mu mikoreshereze y’amafaranga 

Kubana n’abantu bazi gukorera ifaranga, bazi kuryitaho badasesagura mbese banakurenzeho mu iterambere ni ingenzi. Kugira abo wigiraho  abakubera urugero ni ingenzi niba ushaka kuzatunga ifaranga. Igihe ukikijwe n’abagufasha kutubahiriza aya mategeko yose twavuze gutera imbere yawe bizakugora.

10. Isuzume ibyo wagezeho buri mwaka wihe n’intego z’ibyo uzaba wagezeho mu mpera z’umwaka

Niba uyu musni aribwo umenye ibi, hera ubu wisuzume kuva wavuka kugeza ubu ni irihe tegeko wubahirije muri aya? Niba utarabikora tangira ubu wisuzume kandi utangire. Ihe igena mugambi ry’icyo uzaba ugezeho mu mwaka uhereye nonaha, kandi iyi tariki uzajye ukomeza uyibuka uyihereho igihe uri kwisuzuma. Nyuma y’umwaka uhereye igihe ufatiye icyemezo, uzicare hasi urebe ibyo wagezeho muri uyu mwaka uzaba umaze ugendera kuri aya mategeko.

 

 

Byanditswe na : UKURI Jean CLaude


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