1.INTANGIRIRO
Mu buzima bwa buri munsi, amafaranga ni kimwe mu bikoresho by’ingenzi bifasha umuntu kugera ku iterambere, kubaho neza no gushyira mu bikorwa inzozi ze. Ariko nubwo amafaranga ari ingenzi, si menshi abaho ikibazo, ahubwo ni uko atakoreshwa mu bwenge.
Abantu benshi binjiza amafaranga ariko ntibashobore kuyagumana cyangwa kuyabyaza umusaruro, bigatuma bakomeza kugorwa n’ubukene n’imyenda. Ibi akenshi biterwa no kutamenya amahame y’ibanze agenga imicungire myiza y’imari.
Ni muri urwo rwego hateguwe aya “Mategeko 20 y’Ubwenge mu Micungire y’Amafaranga”, agamije gufasha buri wese gusobanukirwa uburyo bwo kubona, gukoresha, kuzigama no gushora amafaranga mu buryo burambye kandi bufite intego.
Aya mategeko ntabwo agamije gusa kwigisha uko wakunguka, ahubwo agamije no kubaka imitekerereze mishya y’ubwenge mu micungire y’imari, ishingiye ku bwitonzi, intego no kwigirira icyizere.
Gusobanukirwa no kuyakurikiza bifasha umuntu kugera ku bwigenge bw’imari no kubaka ejo hazaza heza harambye.
1. Amafaranga akurikira agaciro, ca bugufi ugire imyitwarire myiza ,
Amafaranga akurikira agaciro, si urusaku. Ubuzima ntabwo bupimwa n’ijwi umuntu avuga cyangwa uko yigaragaza, ahubwo bupimwa n’umumaro atanga mu buzima bw’abandi. Amafaranga si impano igwa ku muntu wese usakuza cyangwa ushaka kugaragara, ahubwo ni igisubizo cy’agaciro wubatse mu byo ukora.
Iyo umuntu afite ubumenyi, umurimo unoze, n’umutima witanze mu gufasha abandi, amafaranga amugana nk’igisubizo cy’umurimo we. Si intego ya mbere, ahubwo ni umusaruro w’icyo wakoze neza.
Bityo wibuke ko gushaka amafaranga atari ugukurikirana urusaku, ahubwo ari ugukora ibintu bifite umumaro, byubaka abandi kandi bigatanga igisubizo nyacyo ku bibazo by’isi.
Iyo wubatse agaciro nyako, ubuzima bukuzanira ibikwiye, si ibyo wirukankira.
2. Yakire vuba, ariko utinde kuyarekura.
Yakire vuba, ariko utinde kuyarekura. Amafaranga iyo aje mu ntoki zawe si igihe cyo guhita uyareka atagushoboje kugera ku ntego zawe, ahubwo ni igihe cyo gutekereza neza ku gaciro kayo.
Iyo ubonye amafaranga, jya uyakira neza kandi wishime ko yaje nk’umusaruro w’akazi cyangwa umwete wakoze. Ariko mu kuyakoresha, gira ubwitonzi n’ubwenge; ntukiyobore n’amarangamutima cyangwa ibyifuzo by’akanya gato.
Wibuke ko amafaranga adacungwa neza ahita ashira vuba, ariko acunze neza ashobora kuba intangiriro y’ejo heza huzuye amahirwe n’iterambere. Banza utekereze, upime, hanyuma ni bwo ufata icyemezo.
3. Koresha amafaranga ari munsi yayo winjiza mubuzima bwa buri munsi
Koresha munsi y’ayo winjiza buri gihe. Ubuzima bw’imari bwubakwa ku bwitonzi, si ku kwihuta cyangwa kwiyerekana. Iyo ukoresheje amafaranga angana n’ayo winjiza cyangwa ukayarenga, uba winjije intambara y’imyenda n’igitutu cy’igihe kizaza.
Kwihangira umuco wo kubaho munsi y’amikoro yawe ni intambwe ikomeye iganisha ku bwigenge bw’imari. Bigufasha kuzigama, gutekereza neza ku byemezo byawe, no kwirinda kugwa mu bibazo by’ubukene buterwa n’imikoreshereze mibi.
Wibuke ko ubukire nyabwo butapimwa n’uko ukoresha byinshi, ahubwo bapimwa n’uko ushobora kugumana, kuzigama no kubyaza umusaruro ibyo winjiza.
4. Zigama mbere yo gukoresha, si ibisigaye.
Zigama mbere yo gukoresha, si ibisigaye. Uburyo bw’ubwenge mu micungire y’amafaranga butangirira ku cyemezo cyo gushyira imbere ejo hazaza mbere y’ibyifuzo by’uyu munsi.
Aho gutegereza ibisigaye nyuma yo gukoresha, jya ubanza uzigame igice cy’amafaranga yawe nk’ishingiro ry’umutekano w’ejo hazaza. Ibi bigufasha kubaka umuco wo kwiyubakira ubukire buhoro buhoro ariko burambye.
Kuzigama si uguhomba, ahubwo ni ugushora mu mahoro y’ubuzima bwawe bw’ejo. Iyo wiyemeje kubanza kuzigama, uba wubaka discipline, ubwigenge bw’imari, n’icyizere cy’ejo heza.
5. Ntugatange amafaranga ku muntu utazi neza impamvu uyamuhaye.
Ntugatange amafaranga ku muntu utazi neza impamvu uyamuhaye. Ubwitonzi mu micungire y’amafaranga ni intwaro ikomeye irinda umuntu igihombo n’uburiganya.
Iyo utanze amafaranga utazi neza impamvu yayo, uba ufunguye inzira y’ibyago bishobora kugusiga wicuza. Buri gihe jya ubanza gusuzuma, wumve neza, hanyuma ufate icyemezo gishingiye ku bwenge aho gushingira ku marangamutima.
Wibuke ko amafaranga ataboneka byoroshye ku buryo wayatakaza uko wiboneye. Kubw’ibyo, kuyatanga bisaba impamvu isobanutse, icyizere n’ubwitonzi.
Ubwenge mu mafaranga butangirira ku kumenya igihe cyo gutanga no igihe cyo kubika.
6. Irinde amadeni ya hato na hato.
Irinde amadeni ya hato na hato. Imyenda idafite akamaro cyangwa idafite gahunda si igisubizo cy’ubukene, ahubwo ni intangiriro y’ibibazo by’ubukungu bishobora gukura buhoro buhoro.
Iyo umuntu yishora mu madeni atateguwe neza, atangira gutakaza ubwigenge bwe bw’imari, akabaho mu gitutu cy’uko azishyura aho gutekereza ku iterambere rye. Buri mwenda utari ngombwa uba umutwaro uremereye ejo hazaza.
Ubwenge mu mafaranga butangirira ku kwirinda gufata imyenda itagufitiye umumaro. Baho uko ushoboye, utegure neza, kandi wubake ejo hazaza hatari igitutu cy’imyenda.
7. Uko uyabona, shaka no kuyagumana no kuyazigama.
Uko uyabona, shaka no kuyagumana no kuyazigama. Amafaranga si iherezo ry’urugendo rw’imari, ahubwo ni intangiriro y’inzira isaba ubwenge, kwihangana no gutekereza kure. Hari benshi bishimira kubona amafaranga ariko ntibatekereze ku kuyacunga, bikarangira ayashize vuba nk’uko yaje, agasiga inyuma intimba n’ibibazo.
Ubuzima bw’imari bwubakwa ku mahitamo mato akorwa buri munsi. Iyo ubonye amafaranga, ntugahite uyatekerezaho nk’icyo uhita ukoresha gusa, ahubwo jya uyabona nk’igitunguranye kigomba gutegurwa neza. Kuyagumana bisaba discipline, kuyazigama bisaba kwiyemeza, naho kuyashora mu bintu bifite umumaro bisaba ubwenge n’ubushishozi.
Ntugahagarare ku kubona amafaranga gusa, kuko kubona atari byo bikomeye kurusha kuyacunga. Abantu benshi binjiza menshi ariko bakaguma mu bukene kubera kutamenya kuyacunga. Ubukire nyabwo ntibupimwa n’ayo winjiza, ahubwo bupimwa n’ayo ushobora kubika, gushora no gukoresha neza mu buryo butanga inyungu.
Wibuke ko amafaranga ari igikoresho, si intego y’ubuzima. Iyo uyafashe nk’intego, arakuyobora; ariko iyo uyafashe nk’igikoresho, aragukorera. Shaka kubaka ejo hazaza hatarimo igitutu cy’imyenda, ahubwo huzuye amahoro, umutekano n’iterambere rirambye.
Bityo, ujye wibuka buri gihe ko ubwenge mu mafaranga butangirira ku kuyabona neza, bukakomereza ku kuyacunga neza, bukarangira ku kuyateza imbere neza.
8. Ibaze mbere yo gukoresha amafaranga.
Ibaze mbere yo gukoresha amafaranga. Buri cyemezo cyo kugura ikintu ntigikwiye kuba igikorwa cy’akanya gato gishingiye ku marangamutima, ahubwo kigomba kuba igitekerezo cyimbitse gishingiye ku bwenge n’icyerekezo cy’ubuzima.
Icyo ugura cyose, ibaze uti: niba ntagikoze, byahindura iki mu buzima bwanjye? Ese ni ngombwa koko, cyangwa ni icyifuzo cy’igihe gito kizansiga ntakigishaka nyuma y’igihe gito?
Niba ibyo umuntu agusaba cyangwa akwifuzaho bisaba amafaranga, ni byiza kubanza kwibaza uti: “naramufasha ntamuhe ayo mafaranga byagenda bite?” Niba usanze nta ngaruka zikomeye byateza cyangwa ntacyo byahungabanya mu buzima bwe cyangwa mu mubano wanyu, ushobora kudatanga ayo mafaranga. Ariko niba ubona ko kubyima bishobora gutuma habaho igihombo cyangwa kubangamira ubufatanye bufite agaciro, ni ngombwa gufata icyemezo cyubwenge gishingiye ku ntego n’inyungu z’impande zombi. Ibi bitwigisha ko gutanga amafaranga atari amarangamutima gusa, ahubwo bisaba gutekereza no gupima neza ingaruka z’icyemezo ufata.
Ubwenge mu micungire y’amafaranga butangirira ku kwibaza mbere yo gukora. Iyo witoje gutekereza mbere yo gukoresha, uba wubaka ubuzima bufite gahunda, butagengwa n’amarangamutima ahubwo bugengwa n’intego.
Wibuke ko buri mafaranga ukoresheje atagaruka, ariko icyemezo cyiza cyo kutayakoresha gitanga amahoro n’iterambere rirambye.
9. Shora mu byunguka, wirinde ibikuramo gusa.
Shora mu byunguka, wirinde ibikuramo gusa. Ubuzima bw’imari bwubakwa ku mahitamo y’ubwenge, aho umuntu atareka amafaranga ye ngo agenda mu bintu bidamuha inyungu, ahubwo akayayobora mu mishinga imusubiza agaciro n’iterambere.
Shora mu bikorwa bigusubiza inyungu, si ibyo bigusaba amafaranga gusa. Hari ibishobora kugushimisha ako kanya ariko bikagusiga mu gihombo, naho ibindi bigusaba kwihangana ariko bikubaka ejo hazaza heza.
Ubukire nyabwo ntibuboneka mu gukoresha gusa, ahubwo buboneka mu gushora, gutegura no gutekereza kure. Iyo wize gutandukanya ibikuramo n’ibyunguka, uba utangiye urugendo rw’ubwisanzure bw’imari n’iterambere rirambye.
Wibuke ko amafaranga akora neza iyo ayobowe n’ubwenge, si iyo ayobowe n’amarangamutima.
10. Ntukoreshe amarangamutima mu mafaranga.
Ntukoreshe amarangamutima mu mafaranga. Ubuzima bw’imari busaba ubwitonzi n’ubushishozi, si imikorere ishingiye ku byiyumvo by’akanya gato cyangwa ku cyifuzo cyo kwigaragaza.
Ibyemezo by’amafaranga bigomba gushingira ku bwenge, ku igenamigambi no ku ntego z’igihe kirekire. Iyo umuntu afashe ibyemezo ashingiye ku marangamutima, akenshi ariyanga mu gihe gito, agasanga yaguye mu gihombo cyangwa mu myenda itari ngombwa.
Kwiga gutuza, gutekereza mbere yo gukora, no gusesengura ingaruka z’ikintu cyose ushaka kugura cyangwa gushoramo, ni byo bituma umuntu yubaka ubukire burambye.
Wibuke ko amafaranga akunda kuyoborwa n’ubwenge, si amarangamutima
11. Amafaranga adashowe arashira.
Amafaranga adashowe arashira. Amafaranga si igikoresho cyo kubika gusa, ahubwo ni umutungo ugomba guhabwa icyerekezo kugira ngo ubyare umusaruro. Iyo uyabitse udashoye, agaciro kayo gashobora kugabanuka buhoro buhoro, haba binyuze mu guta agaciro kw’igihe cyangwa mu kubura amahirwe yo kuyabyaza inyungu.
Ubuzima bw’imari busaba ubwenge bwo kumenya igihe cyo kuzigama n’igihe cyo gushora. Gushora neza si ugushaka ibyago, ahubwo ni ugushyira umutungo mu nzira zitekanye kandi zitanga inyungu z’ejo hazaza.
Wibuke ko amafaranga atayobowe, atakaza umurongo; ariko ayobowe n’ubwenge, yubaka ejo heza harambye.
12. Kuzigama kubaka ejo hazaza.
Kuzigama kubaka ejo hazaza. Ubuzima bwiza bw’ejo ntibwubakwa n’ibyifuzo gusa, ahubwo bwubakwa n’imyanzuro mito ikorwa buri munsi. Kuzigama ni umwe mu myanzuro ikomeye igaragaza ubwenge n’icyerekezo cy’umuntu.
N’udufaranga duke dufite akamaro iyo tubitse neza kandi buri gihe. Si ugutegereza kugira menshi ngo utangire kuzigama, ahubwo ni uguhora wubaka buhoro buhoro, uko ubona ayo ubona yose ukayagabanyamo neza.
Kuzigama si ugukusanya amafaranga gusa, ahubwo ni imibare ibara ahazaza hawe n’abawe. Buri giceri ubika ni igice cy’icyizere, cy’umutekano, n’iterambere ry’ejo hazaza wowe n’umuryango wawe muzagiraho inyungu.
Kuzigama biguha umutekano, bigakurinda ibihe bigoye, kandi bikagufasha kugira amahitamo meza mu gihe kizaza. Ni umuco wubaka ubwisanzure bw’imari n’amahoro y’igihe kirekire.
13. Baho ku rwego rw’amafaranga ufite.
Baho ku rwego rw’amafaranga ufite. Ubuzima bw’imari butangira aho wemeye ukuri ku mikoro yawe, ukabaho mu bwitonzi aho gukurikira ibigaragara hanze bigutera kugwa mu mutego w’amarangamutima n’ishusho yo kwigaragaza.
Irinde kubaho hejuru y’amikoro yawe kugira ngo utajya mu gihombo. Iyo ugerageje kubaho hejuru y’icyo winjiza, usanga buhoro buhoro winjira mu madeni, mu gitutu, no mu buzima budafite ituze.
Ubwenge mu mafaranga ni ukumenya aho ugeze, ukahabaho neza, ugategura ejo hazaza utagendeye ku kwihutira kwigaragaza ahubwo ku bwitonzi n’icyerekezo.
Wibuke ko amahoro y’ubuzima aruta kugaragara neza ariko wabuze ituze ry’imari.
14. Irinde ibyifuzo bikurura igihombo.
Irinde ibyifuzo bikurura igihombo. Ubuzima bw’imari busaba ubushishozi bwo gutandukanya icy’ingenzi n’icyo umunota w’amarangamutima ushobora kukwereka nk’ingenzi ariko kikakugusha mu gihombo.
Hari ibintu bigushimisha ako kanya, bikaguha ibyishimo by’igihe gito, ariko bikagusiga mu bibazo by’igihe kirekire. Ubwenge ni ukumenya kubireka hakiri kare mbere y’uko bikugira imbata.
Witoze guhitamo ibikubaka aho guhitamo ibikurura gusa. Ibyemezo byiza mu mafaranga ntibishingira ku byishimo by’ako kanya, ahubwo bishingira ku nyungu z’ejo hazaza.
Wibuke ko igihombo kinini gitangirira ku cyifuzo gito kitagenzuwe.
15. Amafaranga make ashobora kwiyongera-Amafaranga make ageraho akagwira ,Genda uyongera aho kuyakoramo azagwira.
Amafaranga make ashobora kwiyongera. Ubukire nyabwo ntibutangira ku bwinshi bw’amafaranga, ahubwo butangirira ku buryo uyacunga, uko uyifata, n’uburyo uyaha icyerekezo gifite intego.
N’udufaranga duke dushobora gukura iyo tuyacunze neza kandi tugakora cyane. Si ngombwa gutegereza kugira byinshi ngo utangire kubaka ejo hazaza; n’uduto duto dufite imbaraga iyo dukoreshwa mu bwenge, mu mwete no mu mwanya.
Ubuzima bw’imari ni urugendo rwo kwihangana no gukomeza gukora neza ku byo ufite uyu munsi, kugira ngo ejo bibe byinshi kurushaho.
Wibuke ko igiceri kimwe gicunzwe neza gishobora kuba intangiriro y’ubukire burambye.
16. Gabanya ibirori bidatanga inyungu.Ibirori n’ibitaramo bisaba amafaranga bitazayagarura bireke bitere umugongo
Gabanya ibirori bidatanga inyungu, kuko si buri byishimo byose biba bikwiye igihe n’amafaranga yawe. Hari igihe umuntu yishora mu birori byinshi n’imyidagaduro ishimishije mu kanya gato, ariko nyuma bikamusigira igihombo aho kumusigira inyungu. Ibyishimo bidafite umusaruro akenshi bitwara amafaranga menshi utunguka, bikagutwara n’umwanya ushobora kuba wakoresheje mu bikorwa biguteza imbere.
Ni byiza kugira ubushishozi mu guhitamo uko ukoresha amafaranga yawe. Aho gushora mu byishimo by’igihe gito gusa, ni byiza no gutekereza ku mishinga, kuzigama, cyangwa ibindi bikorwa bigufasha kugera ku ntego zawe z’igihe kirekire. Ibi bituma ubaho ubuzima bufite icyerekezo kandi buganisha ku iterambere rirambye.
Wibuke ko umunezero nyawo utava gusa mu birori byinshi, ahubwo uva no mu kwishimira ko uri gutera imbere no kubaka ejo hazaza heza. Gabanya ibidatanga inyungu, wibande ku bifite agaciro, kuko ubuzima bwiza ni ubufite icyerekezo n’umusaruro.
17. Irinde imishinga itazwi neza.Ntukemere kujya muri gahunda zisaba amafaranga zitazayagarura-Byitondere amafaranga aravuna kuyashaka kdi kuyabona birahenze.
Irinde imishinga itazwi neza kuko ishobora kugushyira mu gihombo utateganyije. Hari ibikorwa biba bigaragara nk’ibyiza mu maso, ariko iyo utabanje kubisesengura neza usanga bidafite inyungu zisobanutse cyangwa bikaba byakugusha mu gihombo gikomeye.
Ni byiza kujya mu mishinga umaze kuyisobanukirwa neza, uzi uko ikora, aho igana, n’inyungu ishobora kukuzanira. Gushora amafaranga cyangwa imbaraga mu kintu utabyizeho neza bishobora gutuma utakaza umutungo wawe kandi ukicuza nyuma.
Buri gihe jya ufata umwanya wo gukora ubushakashatsi no kugisha inama mbere yo gufata icyemezo. Ibi bigufasha kwirinda ibihombo no kugana mu bikorwa bifite icyerekezo n’umusaruro urambye.
18. Umushahara si ubukire.
Umushahara ni intangiriro gusa; ubukire buba mu gushora no guhanga imirimo.
Umushahara si ubukire, ahubwo ni intangiriro y’urugendo rugana ku iterambere ry’umutungo. Umushahara umuntu ahembwa buri kwezi ufasha mu buzima bwa buri munsi, ariko ntuhagije kugira ngo umuntu agere ku bukire burambye niba awukoresha gusa atabiteganyije neza.
Ubukire nyabwo bushingira ku bushobozi bwo gushora imari, kuzigama, no guhanga imirimo cyangwa ibikorwa byinjiza amafaranga. Aho guhora utegereje umushahara gusa, ni byiza kuwukoresha neza, ukawubungabunga kandi ukawushyira mu mishinga ishobora kukwungukira mu gihe kirekire.
Rero, umushahara ni nk’urufunguzo rutangira inzira, ariko ubukire bubonerwa mu bwenge bwo kuwukoresha no kuwubyaza andi mahirwe y’iterambere.
19. Igenamigambi ry’amafaranga ni ingenzi,Igenamigambi ni ngombwa muburyo bwo gukoresha amafaranga ry’ubahirize
Igenamigambi ry’amafaranga ni kimwe mu nkingi zikomeye z’iterambere ry’umuntu. Iyo umuntu afite gahunda y’uko akoresha amafaranga ye, bimufasha kwirinda gusesagura no kugwa mu bibazo by’amikoro bitunguranye.
Ni ingenzi buri gihe gutegura uko uzigama, uko uzakoresha, n’uko uzashora amafaranga yawe mu bikorwa bifite inyungu. Ibi bituma ubasha gucunga neza umutungo wawe, ukiteganyiriza ejo hazaza kandi ukagabanya ibyago byo guhomba.
Rero, umuntu ufite igenamigambi ryiza ry’amafaranga aba afite amahirwe menshi yo gutera imbere, kuko aba azi aho ahera n’aho agana mu buzima bwe bw’imari.
- Amafaranga ni byinshi byose ibyo wifuza gukora byose banza uyashake byinshi azabikugezaho uyafite.
Amafaranga ni kimwe mu bikoresho by’ingenzi mu buzima bwa buri munsi, kuko afasha umuntu kugera ku ntego zitandukanye yifuza. Ibyo ushaka gukora byose, haba mu mibereho, mu ishoramari cyangwa mu iterambere, akenshi bisaba ubushobozi bw’amafaranga kugira ngo bigerweho.
Ni yo mpamvu ari ingenzi kubanza gushaka amafaranga no kuyacunga neza, kuko kuyafite mu buryo bufite gahunda bifasha umuntu kugera kuri byinshi. Nubwo amafaranga atari yo ntego y’ubuzima, ni igikoresho gikomeye gifasha gushyira mu bikorwa inzozi n’imishinga itandukanye.
Rero, kugira icyerekezo, gukora cyane no gushaka amafaranga mu buryo bufite gahunda ni byo bifasha umuntu kugera ku byo yifuza mu buzima bwe.
Amafaranga ni urufunguzo, si intego.
Amafaranga ni urufunguzo, si intego y’ubuzima. Ni igikoresho cy’ingenzi gifasha umuntu kugera ku byo yifuza, ariko si yo ntego y’ibanze ubuzima bugamije.
Mu buzima, amafaranga afasha mu kubona ibikenewe nk’ubuzima bwiza, uburezi, ishoramari no guteza imbere imishinga itandukanye. Ariko iyo umuntu ayashyize imbere nk’intego ya mbere, ashobora kwibagirwa indangagaciro z’ingenzi nk’ubumuntu, amahoro, umuryango n’iterambere rirambye.
Ni byiza rero kumva ko amafaranga ari uburyo bwo kugera ku ntego, si yo ntego ubwayo. Iyo akoreshwa neza, afasha kubaka ubuzima bufite icyerekezo, umutekano n’iterambere rirambye.
— Dr. Havugimana Alexis
- Amafaranga akurikira agaciro, si urusaku, ca bugufi ugire imyitwarire myiza ,
Ushaka amafaranga, banza utange agaciro. - Yakire vuba ,utinde kuyarekura
- Koresha amafaranga ari munsi yayo winjiza mubuzima bwa buri munsi
- Zigama mbere yo gukoresha, si ibisigaye
- Ntunga amafaranga umuntu utarasobanukirwa impamvu uyamuhaye
- Irinde amadeni ya Hato na hato nibiba ngombwa uyareke.
- Uko uyakiriye haranira kutayarekure no kuyabika nakuvaho uzayabona bigoye
- Niba ibyo agusaba cg akwifuzaho bisaba amafaranga ( Ibaze ubundi ntayamuhaye haba iki ? nusanga ntacyo byatwara ntuyamuhe).
- Shora mu byunguka, si mu bigutwara gusa
- Ntugakoreshe amarangamutima mu by’amafaranga kdi ntugashake inshuti ukoresheje amafaranga nuyabura zizakuvaho .
- Amafaranga adakora birangira ashize yashyire mumishinga no mubikorwa.
- Uko uzigama ni ko uzagira ejo hazaza naho twaba duke izigame kdi kugihe
- Niba witwara uko utari kumafaranga bireke – Gendana n’urugero rw’amafaranga ufite.
- Ibyifuzo bigusaba buri gihe amafaranga aho kuyinjiza bireke byime amatwi
- Amafaranga make ageraho akagwira ,Genda uyongera aho kuyakoramo azagwira.
- Ibirori n’ibitaramo bisaba amafaranga bitazayagarura bireke bitere umugongo
- Ntukemere kujya muri gahunda zisaba amafaranga zitazayagarura-Byitondere amafaranga aravuna kuyashaka kdi kuyabona birahenze.
- Umushahara ni itangiriro si urugendo wakomeza ushaka amafaranga , amafaranga yawo ntabukire yakugezaho ni intangiriro yo kubaho gusa byose bihe igihe.
- Igenamigambi ni ngombwa muburyo bwo gukoresha amafaranga ry’ubahirize
- Amafaranga ni byinshi byose ibyo wifuza gukora byose banza uyashake byinshi azabikugezaho uyafite.
2.Umwanzuro
Amafaranga ni igikoresho gikomeye gishobora kubaka cyangwa gusenya ubuzima bitewe n’uko acungwa. Ntabwo ubukire buturuka gusa ku bwinshi bw’amafaranga umuntu yinjiza, ahubwo buturuka ku bushobozi bwo kuyacunga neza, kuyazigama, kuyashora ahungukira no kuyakoresha mu buryo bufite intego.
Aya mategeko 20 atwibutsa ko amafaranga akunda abantu bafite gahunda, ikinyabupfura, kwihangana n’ubushishozi. Ujye wirinda gukoresha amafaranga bitewe n’amarangamutima, imyiyereko cyangwa gushaka gushimisha abandi. Ahubwo ujye uyakoresha nk’umukozi wawe ugufasha kugera ku ntego zawe z’igihe gito n’igihe kirekire.
Zirikana ko amafaranga make acunzwe neza ashobora kuvamo menshi, naho amafaranga menshi acunzwe nabi ashobora gushira vuba. Bityo rero, jya ugira igenamigambi, uzigame ku gihe, ushore imari ahabyara inyungu kandi wirinde amadeni adafite umumaro.
Niba ushaka ejo heza h’amafaranga, tangira uyu munsi kuyubaka. Amafaranga ni imbuto; uyabiba neza, akakubyarira byinshi mu gihe kiri imbere.
Dr. Havugimana Alexis
“Amafaranga si intego y’ubuzima, ahubwo ni igikoresho gifasha umuntu kugera ku ntego ze.”
IBITABO BYIFASHISHIJWE
Kiyosaki, R. T. (1997). Rich Dad Poor Dad. Scottsdale: Plata Publishing.
Clason, G. S. (1937). The Richest Man in Babylon. New York: Penguin Random House.
Hill, N. (1937). Think and Grow Rich. The Ralston Society.
Housel, M. (2020). The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness. Harriman House.
Robin, V., & Dominguez, J. (1992). Your Money or Your Life. Penguin Books.
Organisation for Economic Co-operation and Development (OECD). (2013). Financial Literacy Framework. OECD Publishing.
World Bank. (various years). Financial Inclusion and Education Reports. Washington, DC: World Bank Publications.
