UKO WAHANGANA N’IZAMUKA RY’IBICIRO

Jya ukoresha neza amafaranga

Iyo ibiciro bizamutse ubuzima buratugora. Ariko ibyo ntibyagombye gutuma wiheba. Hari ibintu wakora kugira ngo ubeho neza.

KUKI ARI IBY’INGENZI?

Iyo usesagura amafaranga yawe, birangira ashize bigatuma uhangayika kandi ukiheba. Niyo waba ufite amafaranga make, hari ibintu byinshi wakora kugira ngo uyacunge neza.

ICYO WAKORA

Jya ubaho uhuje n’ubushobozi bwawe. Nubikora bizatuma ubaho utuje kandi nihagira ikintu kigutungura gikeneye amafaranga, uzabona ayo ukoresha.

Icyagufasha kubaho uhuje n’ubushobozi bwawe, ni uguteganya uko uzakoresha amafaranga. Bisobanuye ko wandika amafaranga winjiza n’ayo ukoresha. Ibyo bizatuma udakoresha amafaranga arenze ubushobozi bwawe. Mu gihe uteganya amafaranga uzakenera, jya wibanda ku bintu ukeneye kurusha ibindi. Hanyuma ujye ukora uko ushoboye ukurikize ibyo wanditse, ubihindure gusa ari uko ibiciro ku isoko cyangwa amafaranga winjiza byahindutse. Niba warashatse, ugomba gufata imyanzuro wabivuganyeho n’uwo mwashakanye.

Gerageza gukora ibi: Niba bishoboka, aho kugura ibintu ukoresheje ikarita ya banki, jya ukoresha amafaranga. Hari abantu babonye ko kubigenza batyo, bituma bagera ku byo biyemeje kandi bikabarinda amadeni. Nanone byaba byiza buri kwezi urebye amafaranga wabikije n’ayo wabikuje muri banki, kuko kumenya amafaranga ufite bizatuma wumva utuje.

Kubaho uhuje n’ubushobozi bwawe biragoye ariko bigufasha gukoresha neza amafaranga yawe. Nanone bizatuma umenya kwifata ntusesagure.

‘Bara ibyo uzatanga.’—Luka 14:28.

Jya wirinda ibintu byatuma wirukanwa ku kazi. Wakora iki kugira ngo utirukanwa ku kazi? Dore bimwe mu byo wakora: jya ugera ku kazi ku gihe. Jya wishimira akazi ukora. Jya ufasha abo mukorana kandi ukorane umwete. Jya wubaha abandi. Nanone jya wumvira amabwiriza kandi ugerageze kongera ubuhanga mu kazi ukora.

Jya wirinda gupfusha ubusa amafaranga yawe. Jya wibaza uti: “Ese naba mfite akamenyero ko kugura ibintu bitari ngombwa cyangwa bitamfitiye akamaro?” Urugero, abantu benshi batakaza amafaranga baba babonye bibagoye, bakayagura ibiyobyabwenge, bakayakinamo urusimbi, bakayagura itabi cyangwa se bakayagura inzoga nyinshi. Ibyo bishobora gutuma birukanwa ku kazi kandi n’ubuzima bwabo bukahangirikira.

“Umuntu ugira imigisha ni ufite ubwenge . . . Kugira ubwenge ni byiza cyane kuruta kugira ifeza.”—Imigani 3:13, 14.

Jya ubika amafaranga wakoresha mu gihe uhuye n’ibintu bitunguranye. Niba bishoboka, jya ubika amafaranga make wazakoresha mu gihe uhuye n’ikibazo gitunguranye. Ayo mafaranga azatuma udahangayika mu gihe wowe cyangwa umwe mu bagize umuryango wawe arwaye, cyangwa se mu gihe wirukanwe ku kazi. Nanone ashobora kugufasha mu gihe hari ikindi kibazo kigutunguye.

‘Ibihe n’ibigwirira abantu bitugeraho twese.’—Umubwiriza 9:11.

Icyo wakora ngo ushobore kubika amafaranga

Jya wirinda kurya muri resitora kenshi.

Kurya muri za resitora kenshi cyangwa kugura ibyokurya n’ibyo kunywa, bituma ukoresha amafaranga menshi. Nubwo kwitekera amafunguro bisaba umwanya n’imbaraga, bishobora gutuma ukoresha neza amafaranga yawe. Nanone bituma urya ibyokurya bifite isuku.

Jya uhitamo neza ibyo ugomba kugura.

Jya wandika urutonde rw’ibyo ugiye guhaha kandi wirinde kuruhindura. Jya ukora uko ushoboye ntugure ibintu utateganyije.
Niba ubushobozi bubikwemerera, aho kugura akantu kamwe kamwe, jya ugurira ibintu rimwe kuko ni bwo biba bihendutse. Nanone jya ubika neza ibyokurya byangirika vuba.
Niba ubona ibyo ugiye kugura ari byiza, jya ubigura niyo byaba ari ibya make.
Jya ugura ibintu kuri interinete kuko bigufasha kumenya ibidahenze, bikakurinda kugura ibintu utateganyije kandi bigatuma umenya amafaranga usigaranye. Niba mu gace utuyemo ushobora kugurira ibintu kuri interinete uzabigerageze.
Jya ujya kugurira aho bakongeza, cyangwa ushake aho bagabanyije ibiciro. Mu gihe ugiye kugura umuriro, amazi cyangwa gaze, jya ushakisha aho ibiciro biri hasi.

Jya witonda mu gihe ushaka gusimbuza ibintu wari ufite ngo ugire ibigezweho.

Inganda zikora za telefone n’ibindi, zihora zisohora ibintu bishya kugira ngo zibonere inyungu. Ubwo rero, mbere yo kubigura jya ubanza wibaze uti: “Ese kugira igikoresho kigezweho hari icyo byamarira? Ese iki ni cyo gihe cyiza cyo gusimbuza igikoresho nari nsanganywe ngo ngire ikigezweho? Ese niba nsanze nkeneye kugihindura koko, ni ngombwa ko ngura ikigezweho?”

Jya usana kandi ukoreshe ibikoresho byakoze.

Jya wita ku bikoresho byawe ku buryo bimara igihe, kandi nibinapfa ubikoreshe, niba ubona kubikoresha ari byo bihendutse, kuruta kugura ibishya. Ushobora nanone kureba niba utazajya ugura ibikoresho byakoze.

Jya ugira ibintu uhinga.

Niba bishoboka uzashake ahantu wahinga ibyo uzajya urya. Nanone kugira ngo ugabanye amafaranga ukoresha uhaha, ushobora guhinga maze ibyo wejeje ukabigurisha. Ikindi kandi, ibyo wejeje ushobora kubiha abandi na bo bakaguha ibyo bejeje binganya agaciro.

“Imigambi y’umunyamwete izana inyungu.”—Imigani 21:5.

“Njye n’umugore wanjye duhora tureba ibiciro by’ibintu dukoresha buri munsi, kandi tukitondera cyane uko dukoresha ikarita yacu ya banki.”—Byavuzwe na Miles, wo mu Bwongereza.

“Njye n’abagize umuryango wanjye, mbere y’uko tujya guhaha turabanza tukandika ibintu byose dukeneye.”—Byavuzwe na Jeremy, wo muri Leta Zunze Ubumwe za Amerika.

“Buri gihe dusuzuma niba amafaranga dufite azavamo ibyo dukeneye bitewe n’uko ubukungu buba bwifashe. Nanone tugira amafaranga tubika kugira ngo azadufashe mu gihe hari ikintu gikeneye amafaranga kidutunguye.”—Byavuzwe na Yael, wo muri Isirayeli.

“Twatoje abana bacu kujya basana ibikoresho byangiritse aho kugura ibishya. Urugero, nk’imodoka n’ibikoresho byo mu rugo. Njye n’umugore wanjye twirinda kugura ibintu ngo n’uko bigezweho.”—Byavuzwe na Jeffrey, wo muri Leta Zunze Ubumwe za Amerika.

“Gutera imboga no korora inkoko byatumye ngabanya amafaranga nakoreshaga. Hari n’igihe mpa abandi kuri izo mboga nateye.”—Byavuzwe na Hono, wo muri Miyanimari.