Tuganirre

Uburyo bworoshye bwo gupangira amafaranga

28/08/2020
gupangira amafaranga y'urugo

Muraho neza, nizereko mumeze neza. Muri iyi minsi ya corona, amafaranga ari mu bintu natekerejeho cyane. Abantu benshi ama business yarahombye bamwe baranafunga burundu. Nubwo muri lockdown abantu benshi batinjizaga, twese twari tugicyeneye kurya. Abakodesha inzu tugomba kwishyura landlord, abafite amadeni ya bank agomba kwishyurwa. Ibi bihe biteye stress ku kintu kitwa amafaranga, noneho rero nkibaza nti ese ubu sinkoresha amafaranga nabi? Niba ikibazo gitunguranye nta dufaranga na ducye mba mfite two kugikemura kandi ninjizaga amafaranga buri kwezi, ubwo si hari ikibazo? Nibwo nanditse inkuru ivuga ku bitabo byagufasha mu gihe ushaka kuba umukire. Tuvuye kuri ibyo ariko se ni gute wakoresha amafaranga ufite nonaha neza?

Niko nabishatse ngwa kuri iyi video y’uyu mu maman, numu maman wagize ibibazo by’amafaranga akimara gushaka. Umugabo we yavuye ku kazi ngo atangire business, arangije aratwita kandi nawe akazi ke kararangira. Hagati aho rero kuko nta mafaranga bari bafite muri savings kandi business y’umugabo we itarafatisha bagiye mu madeni menshi cyane. Bari bafite ideni ry’imodoka rya $11,000 bafite nandi madeni hirya no hino yimibereho ya $15000. Aya madeni rero bakoresheje ibintu ari budusangize babashije kuyishyura mu mwaka umwe. Aya mafaranga ashobora kuba ari menshi cyane kuri wowe, cyangwa wumva kugirango bayishyure barinjije amafaranga utabona, gusa ndizerako ibintu adusangiza hari abantu byafasha. Nimba rero uri umuntu ushaka kumenya uburyo wapangira amafaranga yawe neza reka dutangire.

Kumenya amafaranga wakabaye ukoresha

Abantu muri gusoma iyi nkuru mubayeho ubuzima butandukanye, twese dufite imishahara itandukanye ntango dushobora gukoresha amafaranga angana ku kwezi. Gusa uyu mu maman afite formule akoresha ikubwira amafaranga wakabaye ukoresha ku kwezi. Avugako utakabaye urenza 70% y’amafaranga winjiza. Ubashije gukoresha macye kurusha 70% ni nabyo byiza kurushaho. Ikintu kimwe ugomba kwibuka ni uko hari abantu baba bayeho ubuzima nta bintu byikirenga bakora ariko amafaranga binjiza akaba atabemerera gukoresha 70% yayo. Kuri abo bantu intego yabo aba uri ugushaka uburyo bazamura amafaranga binjiza ku kwezi, ntimuzicwe ninzara mu rugo ngo ni uko ushaka kutarenza 70%.

Ariko hari abandi dufite ibintu twareka tukabasha gukoresha 70% yayo twinjiza. Niba uhembwa 300,000 rwf ukiyemeza ukumvako 210,000 rwf aribyo uzishyuramo inzu, niho amafaranga yibiryo azava, niyo uzasohokamo, mbese ibyo uzakora byose bizava muri ayo mafaranga. Ibi ntango ari ibintu byoroha, ku bantu noneho bisanga akenshi bari gukoresha amafaranga badafite bafata amdeni uba waramenyereye kubaho gutyo kubireka biragorana. Ariko ubaye ushaka guhindura imibereho yawe, ukava mu madeni nawe ukizigamira ejo bundi ukanatera imbere wahera hano.

Kwizigamira

Noneho rero 20% y’amafaranga winjiza akaba ayo kwizigamira. Inama atugira ni ugufata 10% ukayashira kuri compte yibihe bikomeye, mbese aya akaba amafaranga wakoresha baramutse bagaruye guma mu rugo. Cyangwa se ku kazi bakwirukanye, cyangwa ucyeneye kubagwa assurance itari bukwishyurire. Mbese 10% ry’amafaranga winjiza buri kwezi akajya kuri iyo compte ntuyakoreho cyeretse byacitse. Mfite umucuti wanjye uzi kwizigamira ntababeshye amahoro mba mbona afite antera ishyari. Ajya ambwira ngo ntango ahangayikira amafaranga kuko aziko niyo ejo yabyuka business ye igahomba aziko yaba afite umwaka byibura wo gushaka uko abigenza. Aya mafaranga yayabitse igihe kinini yego ariko se kuki twe tutatangira ubu?

Irindi 10% ryo kwizigamira ni iryo kuzaguramo ibintu mucyeneye. Tuvuge murashaka intebe nshya mu rugo, cyangwa muri kubika ngo muzagure imodoka, abana bacyeneye ibikoresho runaka. Ntihajya habura ikintu kinini muba mushaka mudashobora kugura mutazigamye amafaranga yacyo. Ayo nicyo akora, kandi urumva nyine gacye gacye ubuzima bwanyu bwagenda buhinduka.

Sasa rero niba ufite ideni, mbere yo gutangira gutecyereza kwizigamira banza uryishyure. Kwizigamira ufitiye bank ideni riguma ryikuba cyangwa ufite ideni ry’umuntu uhora umukwepa ntango byaguha amahoro afatika. Banza wishyure amadeni yawe, yenda wabika amafaranga macye yo kugirango utazagira ikibazo kigatuma ufata andi madeni. Gusa kuva mu ideni nicyo kintu ugomba kwibandaho mbere na mbere.

Icyacumi cyangwa gushora

Uyu mu maman rero avugako 10% risigaye bo baritangamo icyacumi ku rusengero rwabo. Ariko ku bantu batemera mu gutanga icyacumi bashobora kuyakoresha uko bashaka. Ukaba tuvuge wayashora muri business cyangwa ukaba wayabika akazishyurira abana bawe urniversite. Aha ukora icyo uri kwiyumvamo, gusa inama ni uko utayongera kuyo gukoresha. Ubishatse wabikora ariko nyine siyo nama atugira.

Gutandukanya inshingano z’amafaranga mu ngo

Amafaranga ni kimwe mu bintu abagabo n’abagore bapfa. Ntihabura ikintu kiba mugatangira gutungana intoki mugaserera bikaba birebire. Rimwe na rimwe ukaba wanasanga mwembi mufite amadeni muhishana kandi nyamara azagomba kwishyurwa mu mafaranga mwinjiza. Inama agira abantu bubatse mu gihe bashaka gutangira gupangira amafaranga yabo neza ni ugutandukanya inshingano buri muntu akamenya ibyo ashinzwe ubundi akabikurikirana. Urugero mukamenya ngo umugore niwe uhaha akoresha amafaranga runaka ku kwezi, umugabo niwe umenya ibintu byo gukoresha imodoka iyo yapfuye, gusana ibintu mu rugo nka ya robine yapfuye, umugore amenya amafaranga areba abana. Niba arumukozi ubarera amwishyura muri ayo mafaranga, niba abana bashaka ibikinisho amenya uko abigura, utuntu twose mbese.

Mu gihe rero mwakoze iyo nama yo gutangira urugendo rwo gupangira amafaranga neza, avugako byaba byiza mubikoreye nko muri restaurant. Mukagenda mukicara mukabwizanya ukuri mukumvikana ukuntu ibintu bizajya bigenda. Umugabo akavuga ati njye rwose mba nkyeneye amafaranga runaka yo gusangira nabandi bagabo n’umugore ati njye nkyeneye aya yo kugura udustyle no kujya muri salon. Mudateranye amagambo cyane kuko muri ku karubanda, mugafata gahunda y’ukuntu amafaranga yanyu mwembi mugiye kujya muyakoresha ku buryo atarenga ya 70%. Buri muntu akamenya ibimureba mukarekera kuguma mupfa ngo yaguze sinzi igiki uwo munsi. Buri cyumweru mukaganira mugahana raporo y’uko gukoresha ayo mafaranga mwagennye biri kugenda. Avugako we n’umugaboo we byabafashije kugabanya inshuro bapfaga amafaranga n’imikoreshereze yayo.

Gupangira amafaranga y’icyumweru

Mbere yo gupangira amafaranga y’icyumweru, urebe mu bintu ufitiye inshingano (niba uri ingaragu w’ibana ubwo ni byose waba wubatse ni ibyo mwemeranyijeko ushinzwe). Muri ibi bintu ushinzwe ukuremo ibintu ugomba kwishyura buri gihe, tuvuge uziko ugomba kwishyura abakozi imishahara yabo irazwi ni amafaranga yoroshye kuyashyira ku ruhande. Ibintu nkibyo byose uzi neza amafaranga yabyo ubishyire ku ruhande usigarane amafaranga y’ibiryo, ticket cyangwa essence nibindi bintu ukora mu cyumweru.

Uyu mu maman aduha urugero akavuga twibazeko mwiyemeje gukoresha $400 mu guhaha ku kwezi nandi $400 mu bindi bintu ushinzwe. Uko kwezi murimo nimba gufite ibyumweru 4 ubwo uba ufite $100 yo guhaha nandi $100 yo gukoresha ibindi bintu. Ni ukwitondera ya mezi ajya agira ibyumweru 5, yego reba muri calendar urabibonako nk’ukwezi kwa Nyakanga (July/Juillet) kw’uyu mwaka kwagize ibyumweru 5 ugereranije. Aya niyo mezi akunze kugorana mu bintu nko guhaha, iyo utabyitondeye ngo ubiboneko uku kwezi noneho uzajya uba ufie $80 yo guhaha na $80 y’ibindi bintu. Iyo ubimenye ukabipangira wirinda stress wagira mu minsi ya nyuma y’ukwezi. Aya mafaranga ni urugero rw’umuntu uba muri america ntango ari amafaranga abanyarwanda rusange bakoresha ku kwezi. Gusa ruratwereka uko wayagabanya ukaba wabasha kumenya amafaranga ugomba gukoresha.

Ikintu kimwe ugomba kwibuka kinini cyane ni uko nta na rimwe wemerewe gukoresha amafaranga yo mu cyumweru utarageramo. Nimba ibirayi byazamutse ukaba ubona amafaranga usanzwe uhahamo icyo cy’umweru atazahaza wafata kuri yayandi y’ibindi bintu. Tuvuge ukaba ubyumvako ufashe ku mafaranga ya ticket kugirango mubashe kurya uko musanzwe nta mpinduka nini. Ikintu cyiza cyane ni uko uba ubiziko ikindi cyumweu nigitangira uzatangirana amafaranga yandi. Ni nko guhembwa buri cyumweru, nta minsi runaka ugira ikibazo cyo gushirirwa.

Ngibyo rero ibintu wakora ngo utangire gupangira amafaranga yawe neza kurushaho. Byose ni ibintu bisaba discipline, rimwe na rimwe kwiyima ntukore ibintu abantu bari bakumenyereyeho ariko byagufasha gutera imbere. Byagufasha kuva mu madeni, kwizigamira ukabasha kugura ibintu bihenze ushaka, kutagira iminsi ya crise iyo ukwezi kwenda kurangira ndetse no kugira amafaranga yagutabara ugize ibyago bitunguranye ibyo aribyo byose.

Nizereko iyi nkuru hari umuntu ifashije, nzagerageza gukora bimwe muri ibi bintu nimba nawe wumva hari ibyo wakoresha iyi nkuru uyisangize n’abandi nabo wabona ibafashije. Murakoze kuba mwabanye nanjye ?, mugire umunsi mwiza nahubutaha ??‍♀️

You Might Also Like

No Comments

Leave a Reply