Ibi bintu 5 byagufasha gusezera ku bukene muri uyu mwaka wa 2014

Mu buzima kubaho ufite amafaranga ni cyo kintu kiguha umutuzo kandi ukaba ufite icyizere ko ejo hazaza hazamera neza. Uko amafaranga aje ni nako agenda kuko mu buzima bwa buri munsi buri kintu cyose ukenera gisaba kuba ufite amafaranga

Iyo ibikenerwa by’ibanze utabasha kubyibonera nk’uko bikwiye kandi ubona byari ngobwa niho bivugwa ko umuntu yakennye.
Muri iki gihe, benshi mu banyarwanda bo mu ngeri zitandukanye, haba abasheshe akanguhe, ababyeyi bubatse ingo, abasore, inkumi, abana bato…usanga hari ikintu benshi bahurizaho muri iki gihe aho usanga bataka ubukene bavuga ko amafaranga yabuze. Iyo mu muryango runaka havugwamo ubukene ku gice kimwe cy’abantu, ntabwo biba bivuze ko abantu bose bakennye, nta mafaranga bafite ahubwo haba hari igice kimwe cy’abantu ubukungu bwabo buba butifashe neza bityo ugasanga n’abafite amafaranga bayakomeye birindi umuntu wabasaba ku butunzi bwabo.
N’ubwo benshi bahura n’ibibazo by’ubukene, ugasanga bihebye bakeka ko ubuzima busa n’ubwahagaze kubera ubukungu bwabo babona nta cyizere bubaha, hari uburyo butandukanye bwo kuba wakoresha ugasezera kuri ubwo bukene mu buryo bworoshye.
Ni muri urwo rwego, twagerageje kubakusanyiriza bimwe mu byo umuntu yakurikiza ibibazo by’ubukene akabisezeraho. N’ubwo biba bitoroshye kwiyumvisha ko ushobora gusezera ku bukene nyamara ku giti cyawe byarakugoye cyane.
Dore ibintu byagufasha rero gusezera ku bukene muri uyu mwaka:
1.Fata ingamba zihamye wihe intego ugomba kugeraho muri uyu mwaka. Zandike ahantu maze ujye usuzuma buri ntego yose ugendeye ku gihe wihaye cyo kuzayigeraho.
2.Kora ibijyanye n’intego wihaye, wirinde isesagura ritunguranye. Niba warihaye intego y’uko ugomba kwizigamira amafaranga aya n’aya buri munsi bitewe n’ayo winjiza ntihagire ikintu na kimwe gituma buri munsi utizigamira nk’uko wiyemeje.
Reka burundu ibigutwara amafaranga bitagufitiye akamaro urugero: Itabi,ubusinzi,imikino y’urusimbi, ingendo zitunguranye utateguye n’ibindi
3.Kora ingengo y’imali uzagenderaho mu buzima bwawe umenye amafaranga ufite icyo yakoreshejwe, urebe ibyo ushobora kwigomwa kugirango ukemure iby’ibanze kandi ubone n’ayo wizigamira maze ufate ingamba zihamye zo kurinda amafaranga yawe. Menya kubika neza ayo wabonye.
 Burya ibanga ryo kugera ku ntego wihaye ni ukemenya uwo uri we ukirinda gusesagura kuko nta n’umwe wigeze agera ku ntego yihaye  akoresha amafaranga aruta ayo yinjiza. Bibaho kenshi ugasanga umuntu akoresha amafaranga menshi kuruta ayo yinjiza bigatuma ahora mu myenda atazigera arangiza kwishyura;
4.Nukenera  guhaha ibuka gukatuza ibiciro kandi ugurire mu maduka adahenda  kuko kugura  uhenzwe siko kuba waguze byiza.
 Mu guhaha kwawe ujye wirinda kujya guhaha utateguye icyo uri buhahe, fata umwanya maze wandike icyo ukeneye guhaha ubone kujya ku isoko kugirango wirinde  guhaha ibyo utateguye kuko nibyo bituma utangira gusesagura bigatuma utagera ku ntego wihaye,
5.Tangira utekereze kandi ushyire mu bikorwa imishinga ibyara inyungu zihoraho kandi yazagufaha mugihe kizaza.
Tekereze kure irinde kwibanda cyane mu kuzigama amafaranga gusa ahubwo tangira unayabike mu bikorwa by’ubucuruzi bito bito bizaramba.
Uregero ushobora kwiha gahunda yo kugura imigabane mu masosite, ushobora gutangiza udushinga duto duto twunguka make ariko ahoraho, n’ibindi byinshi.
Abantu benshi bakunze gukora ibintu batabanje kubara neza ugasanga bikururiye ubukene bigatuma basaza nta n’urwara rwo kwishima bagira. Uko imyaka igenda iza umuntu akagenda asubira inyuma kandi mu by’ukuri afite akazi kamuhemba buri kwezi.
Ese nigute wasobanura ukuntu umuntu akoresha amafaranga aruta ayo ahembwa ?
 Dore urugero :
Umuntu uhembwa amafaranga  200, 000 akaba akodesha inzu y’ibihumbi  70 000 ,ukaba ugera kukazi utesheje amafaranga 500  kugenda ku kazi no kugaruka, Saa sita ukarya 1000, ukaba ukoresha ikarita yo guhamagara buri munsi ya 500 ,Amafaranga y’isuku n’umutekano  5000, Umuriro n’amazi  5000, guhaha iwawe 25 000 ukaba wiga ishuri nimugoroba wishyura ibihumbi 90 000  buri kwezi
Mu byukuri urabona ko uyu muntu mu minsi 20 y’akazi azaba yarakoresheje amafaranga angana na:
70 000+10 000+20 000+10 000++5000+5000+25 000+90 000=235 000 . Bivuze ko buri  kwezi agwa mu gihombo cy’amafaranga ibihumbi 35 000 ariho usanga umuntu afite imyenda itajya ishira.
Nubasha gukurikiza izi nama byanga bikunda uzarangiza uyu mwaka wamaze kubona umurongo w’ubuzima bwiza. Intego wihaye wazishyize mu bikorwa ukabasha gukora budget yawe ukaba waramaze kumenyera gukoresha amafaranga yawe neza uzigama ndetse ukareba kure uteganyiriza ejo hazaza utangiza imishinga yunguka kandi irambye.
Ariko kandi niba ubona ibi twavuze aribyo ariko bikaba byarakunaniye kuko amafaranga uyasesagura utabaze ikoranabuhanga mu gucunga umutungo maze ushakishe zimwe muri application zikoreshwa kuri telefone za smart phone; hari nkiyo bita Expense Manager n’izindi zinyuranye zagufasha gucunga umutungo wawe maze ukizigamira ugatera imbere.

Niba iyi nkuru ikunyuze ukaba wifuza kuba watanga inama cyangwa inyunganizi tanga igitekerezo cyawe cyangwa utwandikire kuri pascal@inyarwanda.com