Umunyabwenge yigeze kuvuga ko amafaranga yose umuntu yaba atunze ashobora gushira. Avuga ko iyo ufashe amafaranga ukayarya ariko ntuhite ubona andi aruta ubwinshi ayo wariye ngo azibe icyo cyuho, burya uba uri mu nzira y’ubukene!
Umusaza witwa Sekarema watubwiye ibi, abihuriraho n’umwanditsi witwa Thomas Corley.
Corley yamaze imyaka aganira n’abantu 233 batunze miliyoni $1 ( kuzamura), ababaza uko babaho, uko umunsi wabo uba upanze, ibyo bakunda gukora n’ibyo birinda.
Muri icyo gihe, yabazaga n’abakene 128 uko babaho, umunsi ku wundi.
Ibyo yakuye mu buhamya yahawe, yabyanditse mu gitabo yise: Rich Habits: The Daily Success Habits of Wealthy Individuals.
Mu bakire 233 yabajije,177 bari barabonye umutungo wabo binyuze mu cyuya babize naho abandi 56 barawurazwe n’abo bakomokaho.
Ubusanzwe imyitwarire n’imigirire ya runaka nibyo bimugira uwo abandi bamubonamo.
Abakire akenshi barangwa no gusabana n’abandi bakire, bakaganira bakungurana ibitekerezo by’aho bashora amafaranga.
Abakene bo bakunze kuganira ku bintu bisanzwe, ni ukuvuga ku k’ukuba imvura yarabuze…, mu yandi magambo abakene baganira ku ngaruka z’ibintu n’ubukana zibagiraho aho kuganira ku mpamvu z’ibiri kuba n’icyatuma bitazongera cyangwa icyakorwa ngo babyigobotore.
Iyo usomye uko abakire bitwara mu buzima bwabo bwa buri munsi, ushobora kugira icyo ubigiraho, ukavugurura ubuzima bwawe.
1.Abakire bagira amahame:
Kugira ngo umunsi w’umuntu ushaka kugira icyo ageraho umubere mwiza, aba agomba kuwupangira.
Abantu bifite bagira gahunda y’umunsi( agenda du jour), bakirinda kuvanga gahunda n’izindi. Iyo hari ikintu kibatunguye ku byo bari bateguye, bareba niba nta kindi gihe cyazakorerwa aho kugira ngo kibicire gahunda.
Mu gihe bigaragaye ko kihutirwa koko, bareba imwe muri za gahunda bihaye, bakaba bayigiza ku kindi gihe ariko ntibizayibuze kuba.
Bakora k’uburyo igihe cyabo kidapfa ubusa cyangwa ngo gikoreshwe icyo kitateguriwe.
Mu mitekerereze y’abakire habamo ingingo y’uko nta kintu kizava mu ijuru ngo kikwitureho uryamye!
Abanyarwanda baciye umugani uvuga ko ‘Imana ifasha uwifashije’ kandi ngo’ Wambariza Imana ku ishyiga ikagusiga ivu.’
Kugira ngo ibyiza wifuza ubibone, bizagusaba guhaguruka ukajya kubikorera. Aho niho Imana izagufashiriza n’aho niwicara ukagereka akaguru ku kandi nk’umuntu uri imbere y’iziko yota, hanyuma akibwira ko umugisha ashaka uzahamusanga, Imana izagusiga ivu, ugume use nabi kuko uri mu ziko.
2.Barangwa no gusoma no kwiga ibishya
Abakire akenshi baba barize. Kwiga gusoma, kwandika no kubara ni uguhabwa urufunguzo rukwinjiza mu isi y’amafaranga n’ibitekerezo biyabyara.
Corley muri cya gitabo cye yasanze 85% by’abakire yaganiriye nabo ari abasomyi beza b’ibitabo.
Buri kwezi basoma byibura ibitabo bibiri kandi 79% by’abo basoma ibitabo bijyanye n’ubucuruzi cyangwa ikindi kibazanira ubukire.
Icyagaragaye mu byo bahuriyeho ni uko basoma ibitabo bivuga ku mibereho y’abantu babaye abakire cyangwa bageze kuri byinshi, bityo bakabigiraho.
Ni ikintu cyumvikana kuko nta mucuruzi w’amabuye y’agaciro washishikazwa no kugura igitabo gisobanura uko ururabo rukura.
Uko kwiga badakuraho ni ko gutuma bamenya uko ibintu byifashe ku isoko ry’imari n’imigabane, bakamenya uko idolari rihagaze, bakamenya ahari amasoko cyangwa cyamunara n’ibindi by’ingirakamaro.
Umuntu wese ushaka kumenya uko yakoresha neza umutungo we, ahambere abishakira ni mu nyandiko.
3.Abakire bahorana icyizere no kutadohoka
Abemera amadini bavuga ko ‘icyizere kirema’ kandi koko nibyo.
Iyo gishingiye ku bintu bifatika byabayeho mu gihe cya vuba cyangwa cya kera, icyizere gituma ugifite agera kuri byinshi.
Burya nicyo cyubakiyeho ubuzima bwa bose. Abantu bose baryama bafite icyizere ko ejo bazaramuka ari bazima, bakagira icyizere cy’uko abakoresha bazabahemba, abafitanye amasezerano bakagira icyizere ko nta ruhande ruzayica… muri make buri kintu abantu bakora gishingiye ku cyizere bagirirana.
Abantu batunze amafaranga menshi bahorana icyizere ko umuhati bashyiraho ngo akomeze agwire, utazaba impfabusa.
90% by’abakire batunze byibura miliyoni $1 babajijwe nawa mwanditsi twavuze haruguru, bamubwiye ko icyizere ari cyo cyatumye bakomeza gukora imishinga yaje kubakiza.
Abakire bazi neza ko kugira amafaranga no kuyagwiza bisaba kwigerezaho.
Benshi bakijijwe no gufata umwenda ba Banki, bakabikora bizeye ko bazunguka bakawishyura.
Barabikoze kandi byarakunze.
Abantu barangwa no gushidikanya ku byiza biri imbere akenshi ntibatinda ku byo biyemeje, bahita bacika intege. Gucika intege kandi ni ukwibuza amahirwe y’ibyiza by’ejo hazaza.
Abashaka ubukire bo ntibatezuka ku byo biyemeje, bakomeza gukora bizeye ko imyanzuro bakoze mu ishoramari runaka izabyara umusaruro byanze bikunze.
Ibi nibyo bituma bagera ku ntego zabo, bagakira kakahava.
4.Birinda guhubuka
Kugira ngo bagabanye ibyago byose byaturuka mu bikorwa by’ubucuruzi bikozwe nabi, abakire birinda guhubukira ishoramari.
Bafata umwanya uko waba ungana kose bakiga kuri buri ngingo igize umushinga runaka, bakawusesengura, bakareba ibipfa n’ibikira, bakareba niba nta nzitizi zizabakoma imbere mu gihe umushinga uzaba watangijwe….hanyuma bakabona kwanzura.
Ubumenyi baba barakuye mu bitabo, ibiganiro baba baragiranye na bagenzi babo ku ngingo runaka, inama z’akazi baba baritabiriye, ingendoshuri…ibi byose bibabera uburyo bwo gushaka amakuru atuma badashora bahubutse.
Abakire bafata ibyemezo nyuma y’igihe kirekire babitekerezaho. Ntaho, kuri iyi ngingo, baba bataniye na Jenerali uyobora ingabo haba mu gihe cy’amahoro cyangwa cy’intambara.
Mbere y’uko Jenerali afata umwanzuro aba agomba kubanza kumva icyo ba Koloneri benshi bavuga ku ngingo runaka.
Inama zitanzwe neza kandi zishingiye ku bintu byinshi byasuzumiwe rimwe, akenshi zitanga umusaruro witezwe.
5.Abantu bakize birinda amatiku n’ubutiriganya
Ikindi kintu kizima kiranga abakire ni ukumenya igihe cyo kuvuga n’igihe cyo guceceka. Kubera ko baba basanzwe baziranye n’abandi bakomeye, abakire birinda kuvuga ikintu gishobora kuzana igitotsi mu mubano wabo n’abandi.
Ijambo ribi rishobora kubuza umuntu amahirwe yo kunguka miliyoni $1.
N’ubwo kwiyunga bibaho, ariko birahenda kuko bisaba umwanya n’amafaranga yo kwica icyiru.
Abakire bazi ko amagambo mazima kandi arimo ikinyabupfura aha nyirayo icyubahiro mu bandi, bakanamugirira icyizere.
Kubera ko baba basanzwe bafite abantu benshi bakoresha, abakire bakora uko bashoboye bakavugana n’abo igihe gito gishoboka kandi ibyo bavuga bikaba birebana gusa n’inshingano zabo.
Abayobozi b’abakozi nibo baba bagomba kuvugana kenshi n’abakozi; hanyuma ibyavuyemo bakabigeza kuri boss.
Boss nawe aba azi icyo agomba kubwira abayobora abandi, kikaza ari ikintu kibubaka aho kubasenya.
Ubwo bwenge butuma abakire bakomeza gukira kandi bakabana neza n’abo babeshejeho.
6.Babana n’abandi mu bunyangamugayo
Hari bamwe bavuga ko abakire benshi baba barakijijwe no kwiba abandi. Ngo nta mukire w’inyangamugayo wapfa kubona!
Abemeza ibi babiterwa n’uko abakire bazi ari abo ngabo gusa, ba bihemu.
Abakire bose ntabwo ari ba bihemu nk’uko n’abakene nanone atari abahemu.
Guhemukira mugenzi wawe biba muri kamere muntu, yaba umukire cyangwa umukene cyangwa ugana muri buri imwe muri izo nzira.
Nk’uko Corley yabyanditse mu gitabo Rich Habits: The Daily Success Habits of Wealthy Individuals, abakire bagira umuco wo kudahemukira abo basangiye inyungu z’ubucuruzi.
Guhemukira uwo musangiye urugendo rugana ku bukire byaba ari ukwihemukira.
Ese abantu bajya bibaza impamvu nta bakire barwanira mu kabari? Kuki ibihugu bikize bidakunze kurwana?
Igisubizo kuri ibyo bibazo byombi ni kimwe: Inyungu basangiye.
Abanyarwanda baca umugani uvuga ko ‘abasangira ubusa bitana ibisambo’.
Bivuze ko abafite byinshi bahuriyeho mu nyungu zabo birinda impamvu zatuma babipfa ahubwo bagakora k’uburyo birushaho kuramba no kurumbuka.
Udafite icyo yashoye ntatinya kugira icyo ahomba.
7.Bashaka abajyanama beza
Umwe mu bakire bari muri Afurika muri iki gihe ni Olusegun Obasango wahoze ategeka Nigeria. Afite imishinga minini mu bworozi bw’inkoko ku rwego rw’Afurika. Si ibi gusa ahubwo afite n’ibindi mu bworozi no mu buhinzi.
Azwiho kugira abajyanama mu by’ubukungu bakomeye barimo n’abarimu muri za Kaminuza zo muri Amerika.
Si we gusa ufite abanyabwenge bamugira inama kuko n’abandi bakire baba bafite abajyanama nk’abo.
Abakire bagomba kugira abajyanama batabajenjekera ku ngingo runaka zireba ubuzima bw’imari yabo.
Umujyanama mwiza ntabwo ari uhora ashimagiza Shebuja, ahubwo ni umuhwitura, akamwereka ko icyemezo runaka gishobora kudindiza iterambere ry’ikigo n’ubukungu bwe muri rusange.
Abajyanama beza batuma abakire bafata imyanzuro myiza kandi irambye.
8.Birinda ibyashyira ubuzima bwabo mu kaga
Abantu bakoze igihe kirekire ngo bagere ku bukire, birinda imyitwarire yashyira ubuzima bwabo mu kaga.
Ikubiyemo kunywa inzoga zikomeye kandi nyinshi, ibiyobyabwenge(harimo n’itabi), ibiryo bikabije gukungahara mu byubaka umubiri kuko bizibya imitsi y’umutima, kwirinda gutwara imodoka biruka cyane, kwirinda ibyabateranya n’ubuyobozi n’abashinzwe umutekano n’ibindi.
Mu kwirinda ibyo byose niho hava ubuzima bwiza bufasha abantu nk’abo gukomeza gukora barundanya ubutunzi.
Baremera bagashyiraho abaganga bo kubasuzuma ngo barebe uko ubuzima bwabo bwifashe.
Iri naryo ni ishoramari ryiza kuko rituma umuntu yimenya kandi ngo amagara araseseka ntayorwe.
9.Kuranzika ibintu si umuco w’abakire
Kuranzika ibintu bituma hari ibidindira. Abakire rero birinda icyo kintu. Ikintu cyose kiba kigomba gukorwa mu mwanya wacyo kandi kigakorwa n’ugishinzwe.
Abakire nyabo bazi neza ko ibintu bishoboka, ko ahari ubushake byose bishoboka.
Niyo mpamvu bagira ingengabihe n’ingengo y’imari yo gukora ibyemejwe byose.
Niwirinda kuranzika ibintu, nyuma y’igihe uzabona ko wageze kuri byinshi byiza.
10.Bita ku buzima bwabo binyuze mu ndyo iboneye n’imyitozo ngororamubiri
Umwanditsi Thomas Corey yasanze 75% by’abatunze miliyoni $ yaganiriye nabo, ari abantu bakunda gukora imyitozo ituma umutima wabo urushaho gukora neza.
Bamubwiye ko kurya indyo nziza yiganjemo imboga n’imbuto, arimo amavuta make, ibi bigaherekezwa n’imyitozo ngororamubiri bituma bakomeza kumva bafite ubuzima bwiza, ntibarwagarurike.
Yego umubiri ubyara udahatse, ariko abakire bakora k’uburyo bagabanya ibintu byose byaba intandaro y’indwara.
Ni ngombwa kuzirikana ko kuba baba basanzwe ari abakire, bibaha ubushobozi bwo guhita bivuza batararemba.
Mu magambo make, abakire bakize kubera uruhurirane rw’ibintu byinshi birimo ibyo twavuze haruguru.
N’ubwo bigoye cyane ko buri wese mu basomyi ba Taarifa yatunga miliyoni $( ni ukuvuga miliyari Frw irengaho), gushyira mu bikorwa inama ziri muri iyi nyandiko byagira akamaro.
