Abazi iby’amafaranga bavuga ko burya ashobora gukura, akagwingira cyangwa akaba yaca umuntu mu myanya y’intoki, agasigarana amara masa.
Ababibona batyo basanga kugira ngo umuntu agire amafaranga azamufasha kubaho yishimye, agomba kugira aho ayakura, akamenya no kwirinda kuyipfusha ubusa.
Umushahara, icyashara, impano cyangwa inguzanyo biri mu biha abantu amahirwe yo gukora ku ifaranga.
Burya kandi ikibazo kinini si ukugira amafaranga ahubwo ni ukuyamarana igihe ataragushiraho cyangwa ngo agabanuke cyane k’uburyo usigara wibaza aho aciye.
Hari inyandiko iri ku rubuga rwa Banki Nkuru y’u Rwanda itanga inama z’uko amafaranga ufite wacayungana ubwenge.
Inama ya mbere ni ukumenya neza icyo ukeneye n’icyo ushaka ariko kitihutirwa.
Guteganya kugura ibyo ukeneye mbere yo gutekereza gusohora amafaranga mu bijyanye n’iraha cyangwa ibyo udakeneye cyane niyo nama ya mbere.
Urugero, reba niba amafaranga y’amashuri y’abana yishyuwe mbere yo gutekereza gusohora amafaranga mu bijyanye no kwishimisha (urugero: inzoga cyangwa imyenda ihenze cyane).
Banki Nkuru y’u Rwanda itanga inama y’uko umuntu agomba kubaho afite intego y’ibyo ashaka kugeraho akoresheje amafaranga.
Iyo ari uko bimeze, bisaba ko yiha intego z’uburyo azakoresha amafaranga ye.
Ubusanzwe kugira ngo utere imbere, ugomba guhitamo ibyo ukeneye mu buzima kandi ukagena uburyo uzabigeraho.
Niba ushaka kugura ubutaka mu myaka itanu iri imbere, uyu munsi tangira wizigamire amafaranga make make, ubikore utekereza ubwo butaka.
Igihe cyose ufite intego ushaka kugeraho ukaba waragennye n’uburyo bwo kuyigeraho, bikongerera amahirwe yo kugera ku nzozi cyangwa intego zawe.
Niba ufite umuryango, muzashyireho igenamigambi ry’imikoreshereze y’imari mu muryango kandi rikwiye kujyana n’intego zawo hashingiwe kubyo winjiza n’inshingano za buri wese mubawugize.
Nubwo iyo abagize umuryango baba bashobora kugera ku ntego zabo iyo bakoreye hamwe, ntibivuze ‘byanze bikunze’ ko buri wese azagera kubyo ashaka.
Rero kwihangana no gushyira mu gaciro birafasha.
Urugero, abagize umuryango bashobora kwemeza ishuri abana bazajya kwigaho, agaciro k’inzu bazakodesha n’ivuriro bazivurizaho ariko wenda bikazasaba ko bagira ibyo bahindura bashingiye ku mafaranga ahari.
Birumvikana ko kugira ngo umuntu azagere kubyo yifuza yaba ku giti cye cyangwa mu itsinda, bisaba gukora hakegeranywa amafaranga.
Nyuma yo gushyiraho intego, hagomba kugenwa aho ayo mafaranga azava.
Niba ibyo umumtu yinjiza bitamuha amafaranga ahagije, aba agomba kongera ayo mafaranga binyuze mu dushinga two mu rugo, nko guhinga imboga no kuzishakira isoko, kubumba amatafari, gukora imigati n’ibindi.
Kwirinda ibyonnyi bimunga amafaranga y’umuntu harimo ko agabanya ibimutwara amafaranga ahubwo akizigamira bizatuma agera ku ntego ze.
Ukimara kubona iby’ingenzi ukeneye kugira ngo ubeho(ibiribwa, aho kuba, kwivuza, amashuri ibyo mwambara…) ni ngombwa kureba ingano y’amafaranga ukeneye kugira ngo ubigure.
Ibi nibyo bita ‘Budget’ mu rurimi rw’Icyongereza.
Umuntu agomba guharanira kudakoresha amafaranga arenze ayo yinjiza hanyuma mu gihe akora igenamigambi ry’imikoreshereze y’amafaranga, akibuka ko akenshi ibiciro bihindagurika umunsi ku munsi.
Ikindi abahanga bo muri Banki Nkuru y’u Rwanda batangamo inama ni ukugira ahantu handikwa amafaranga umuntu akoresha buri munsi.
Ni byiza kugira aho wandika uburyo ukoresha amafaranga yawe.
Kugira igitabo wandikamo uko wakoresheje amafaranga kandi ibyo bigakorwa buri munsi bigufasha kugenzura neza uko ukoresha amafaranga hanyuma bikagufasha kugena ingamba ziboneye z’imikoreshereze y’ayo no kumenya neza ibyo wabaho udafite.
Niba ubitsa mu kigo cy’imari, ushobora kucyegera kikaguha raporo y’uko amafaranga yawe yagiye yinjira n’uburyo yagiye asohoka mu gihe runaka.
Muri iki gihe cy’ikoranabuhanga mu kwishyurana, kubona uko wakoresheje amafaranga biroroshye biciye mu butumwa bugufi wakira nyuma yo kwakira cyangwa kohereza/kwishyura amafaranga.
Kubona uko ukoresha amafaranga yawe, bituma ubutaha uzabona aho wahubutse mu kuyakoresha bityo ukazirinda gusubiramo ikosa ryo hambere.
Niba uhisemo kwaka umwenda, kurikiza amasezerano wagiranye n’uwakugurije.
Uzirinde gufata umwenda urenze ubushobozi bwawe bwo kuwishyura, uzirikana ingaruka ibyo byakugiraho.
Mbere y’uko ufata umwenda, tegura neza kandi witonze uko uzawukoresha n’uburyo uzawishyura ntaguhuzagurika muri gahunda wihaye.
Buri gihe ujye ukoresha amafaranga icyatumye uyaguza.
Ujye wibuka ko kimwe mu bintu byiza umuntu yakoresha amafaranga ye ari ukuyazigama.
Iyo amafaranga amaze kugwira, hakurikiraho kuyashora mu gikorwa kizweho neza hagamijwe ko azabyara andi.
Abantu benshi babona ibyo binjiza bakumva ko bihagije hanyuma bakagereka akaguru ku kandi.
Wiba nka bo! Ushobora kwizigamira igice runaka cy’amafaranga winjije cyangwa se ukagishora mu mushinga wunguka, mu migabane, mu mutungo wimukanwa cyangwa utimukanwa.
Izigamire kandi ushore amafaranga yawe kugira ngo mu gihe ubuzima buhindutse (urugero: gutakaza akazi, impanuka, uburwayi n’ibindi) utabiteganyaga uzabashe gukomeza kubaho utagize uwo ubera umutwaro.
Abahanga bavuga ko burya uramutse warizigamiye amafaranga yatuma ubaho neza byibura amezi atandatu, waba wararebye kure.
Mu muco w’Abanyarwanda, bagira abantu bo mu muryango mugari baba bagomba gufasha.
Amafaranga nk’ayo yo gukomeza gukora izo nshingano cyangwa gusigasira abo dufitanye isano, nayo ni ngombwa.
Niyo mpamvu BNR itanga inama y’uko ababyeyi baba bagomba kwandika irage kugira ngo umutungo wabo uzaragwe abo mu muryango igihe bazaba batakiriho.
Kugira ngo imari n’imitungo byawe bizasigaranwe n’abakagombye kubisigarana mu gihe upfuye, kwandika irage birakwiye.
Irage ni inyandiko iriho umukono w’uraga ivuga mu buryo busobanutse uko umutungo we uzacungwa, uko uzagabanywa n’umugabane wa buri muntu mu bo ashaka ko bazamuzungura mu gihe apfuye.
Niba hari igihindutse ku mitungo y’umuntu ni ngombwa ko avugurira irage, akandika ibindi.
Si umutungo gusa watuma irage rihinduka ahubwo no kubyara undi mwana cyangwa
undi munyamuryango wungutse cyangwa se hari umutungo utakaje cyangwa utanze, byose bijya mu irage ry’umwimerere.
Abari mu nshingano zawe bagomba kumenya aho iryo rage rishyinguye mu gihe ryaba rikenewe.
Ikindi abantu muri rusange bakwiye kwitaho ariko cyane cyane abacuruzi ni ukwishyura imisoro.
Imisoro n’amahoro ni ingenzi mu iterambere
ry’igihugu kuko igeza igihugu ku mihanda, amashuri, ibitaro n’amavuriro n’umutekano.
Kubera ko kudatanga imisoro bijyanirana n’ibihano birimo cyamunara, amande, gufungirwa ‘business’ n’ibindi, byaba ari iby’ubwenge kuyishyura uko bigenwa n’amategeko.
Inama z’uko warinda amafaranga yawe ziyongeraho kandi no kwirinda abiyita incuti zawe kandi bagamije kugucucura utwo wabiriye icyuya.
Ntukabike amafaranga yawe yose ahantu hamwe kuko byazatuma najya gushira azashirira rimwe ahubwo ujye uyatatanya.
