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Kumenya amafaranga ukoresha

31/12/2020
amafaranga ukoresha

Muraho, uyu munsi dufite inkuru y’ukuntu wamenya amafaranga ukoresha mu gihe runaka. Byari byakubaho ukaba warahembwe icyumweru gishize ariko wareba account/compte yawe ukayoberwa aho yaciye? Twese mu gihe runaka byatubayeho, amafaranga aca mu myanya yintoki niko bavuga. Nyuma yo kumenya uko wapangira amafaranga yawe byoroshye hamwe n’ukuntu wagira ubumenyi bw’uko wakongera amafaranga winjiza reka dukomerezeho hano.

Aha turibanda cyane cyane ku kuntu wamenya amafaranga wakoresheje yaba ku munsi, mu kwezi cyangwa igihe kirekire nk’umwaka. Ikirushijeho ni ukubasha kumenya ngo amafaranga yawe menshi yagiye mu bintu byo mu rugo cyangwa mu kwishyura ideni rya bank noneho ukaba wabasha kumenya ibyo ucyeneye guhindura. Uti ni iki rero wakoresha kugirango ibi ubikore? Habaho ama applications yo muri telephone afasha gukora ibintu bya budget ndetse na expenses. Iyo njye nabonye imbereye nziza ni iyitwa money manager. Ku bantu bakoresha smart phones za android wayisanga hano ndetse nabakoresha za iPhone wayikura hano. Iyi App rero reka turebe uko ikora.

1) Gushyiramo budget wifuza kugenderaho

Ikintu cya mbere twaheraho ni uko iyi app iguha ahantu ho gushyiramo budget wakoze, bityo waba warengeje cyangwa utayagejejemo ikakubwira. Ushyiramo n’umushahara wawe cyangwa nibindi byose bikwinjiriza bityo buri kwezi cyangwa buri byumweru bibiri akajya yiyongeraho.

2) Amafaranga ukoresha buri munsi

Ubundi rero ukaba washyiramo amafaranga ukoresheje nicyo wayakoresheje, ikoze ku buryo ikwibutsa gushyiramo amafaranga wakoresheje uwo munsi ku isaha wahisemo. Ukuntu biba bimeze ni nkuko ubibona kuri iyi photo hasi, mbese haba hari amacategory atandukanye nka transport, ibiryo, inzu ukaba wanakiyongereramo izindi ubona ucyeneye.

kumenya amafaranga ukoresha buri munsi

3) Ama comptes yawe yose

Ubasha gushyiramo ama comptes yawe atandukanye ukanashyiramo amafaranga ugiye ufiteho atandukanye. Aha washyiramo compte za bank, mobile money, credit cards ndetse n’amafaranga cash wifiteho. Akarusho ni uko ushobora kuyashyiraho ku ma currencies atandukanye nka comptes imwe iri mu manyarwanda indi yenda mu mashillingi cyangwa amadollari byose birakunda. Iyo yose umaze kuyashyiramo baraguteranyiriza bakakubwira amafaranga ufite yose hamwe. Hanyuma kandi iyo amafaranga avuye kuri compte imwe akajya ku yindi, nabyo urabikora kuburyo utaguma wibeshya.

4) Kwishyura amadeni

Iyo ufite ideni kandi nanone, wabishyiramo ikajya ikwereka aho ugeze uryishyura ndetse ikaba yanakwibutsa kuryishyura ubaye ubikeneye. Iki ni ikintu kiba ari ngombwa cyane kuko amadeni ni ikintu kigorana akenshi.

5) Aho amafaranga yakoreshejwe

Nyuma yo kumara iminsi ushyiramo amafaranga ukoresha ku bintu bitanduukanye bakwereka ikintu kigishushanyo cyereka aho wakoresheje amafaranga menshi kurusha ahandi. Kiba kimeze nkuko kwi ifoto iri hasi. Narabikunze kuberako ubasha kumenya ngo burya amafaranga yanjye ashirira mu myenda nibiryo kurusha ibindi bintu byose. Ikindi kandi nanone wabasha kugereranya amezi atandukanye ukamenya uko ibintu byagiye bihinduka.

Ngubwo uburyo wakurikirana amafaranga ukoresha ku buryo wabasha gufata ibyemezo bijyanye nibyo ushaka kwigezaho. Murakoze kubana nanjye uyu munsi 😊, muzagaruke.

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1 Comment

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