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Reba ibintu 10 ugomba gutangira gukora ubu niba ushaka kuzakira

Opinion   Yanditswe na: Martin Munezero 7 December 2020 Yasuwe: 5377

Gukira ntibyizana birakorerwa kandi bigasaba kwitanga. Gutera imbere bucye bucye ukaba uzagera ku bukire ntabwo ari ibintu byoroshye ariko byagerwaho. Ababashije gukirigita ifaranga no kugera ku bukire hari byinshi usanga bahuriyeho.


Twifashishije urubuga umucuruzi ndetse n’urwego rw’igihugu rw’imisoro n’amahoro rra.gov.rw, hari ibintu watangira gukora ubu nonaha niba ushaka kuzakira, nubwo atari vuba ariko wakwizera neza ko uzibeshaho uko ubishaka mu minsi iri imbere. Aha rero twagerageje kwandika ibintu 10 ugomba kwitaho kuri ubu 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 mu byo ugura, ukiyemeza kandi ukihatira gutakaza macye cyane ku yo winjije ni ibanga rikomeye rikaba n’itegeko ugomba kugenderaho niba ushaka kuzakira. Ibi bivuze ko nta na rimwe 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. Hari ubwo ukeka ko amafaranga wasabwe na Leta bigutunguye ko utari buyabone ariko ukayihigaho ukayabona ndetse ukayatanga.

3. Fungura Konti kuri Banki imwe utemereweho kubikuza uko wishakiye

Icyifuzo cyo kugura uko ubonye, icyo 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, byagufasha. 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 n’iyo yaba ari make

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

5. Buri gihe rya ibyo ushoboye kwishyura, koresha uko ushoboye wirinde gutungwa n’imyenda

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 amafaranga. 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 amafaranga igengesere mbere yo gushora amafaranga yawe, banza 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’amafaranga. 50 % yakoreshe mu byo ucyeneye kugira ngo ubeho… kurya, kwambara, gukodesha inzu, transport,… igihe ibyo wabirangije 30% yakoreshe mu byo wifuza igihe bibaye ngombwa. Aha ni igihe wifuje kuba wasohokana n’abandi, n’ikindi wumva koko wifuza. 20% yazigame. Muri make ibyo wakora byose wizigama amafaranga ari munsi ya 20% y’amafaranga winjije.

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

Kubana n’abantu bazi gukorera neza amafaranga, bazi kuyitaho, badasesagura mbese banakurenzeho mu iterambere ni ingenzi. Kugira abo wigiraho abakubera urugero ni ingenzi niba ushaka kuzatunga amafaranga. 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 munsi ari bwo umenye ibi, hera ubu wisuzume kuva wavuka kugeza ubu ni irihe tegeko wubahirije muri aya? Niba utarabikora tangira ubu wisuzume kandi utangire. Ihe igena migambi 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.

Author : Martin Munezero

Munezero Martin ni Umwanditsi w’Ikinyamakuru Umuryango. Yatangiye gukorera iki kinyamakuru muri Nzeli 2014.

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