IDENI rishobora guteza ibibazo mu muryango cyangwa rikaba ryanatuma usenyuka.
Hari abashakashatsi berekana ko iyo abashakanye bafite ideni, igihe bamaranaga kigabanuka, bagahora bashihurana kandi ntibagire ibyishimo.
Usanga impaka zirebana n’ibibazo by’amadeni hamwe n’ibindi bibazo by’amafaranga zimara igihe kirekire ugereranyije n’ibindi bintu baganiraho, kandi zigatuma abashakanye bakankamirana, ndetse bakaba banarwana. Zishobora no gutuma bajya impaka ku bindi bibazo. Ntibitangaje rero ko kutumvikana ku bibazo by’amafaranga ari yo mpamvu ikomeye ituma abashakanye batana muri Leta Zunze Ubumwe za Amerika.
Ibanga ryo kugira icyo mugeraho: Mu rugo rwanyu mujye mumenya gucunga amafaranga yanyu.
Mujye muteganya uko muzakoresha amafaranga yanyu. Mujye mwandika amafaranga yose mwinjije n’ayo mwakoresheje mu gihe cy’ibyumweru bibiri, cyangwa mu kwezi niba ari byo byarushaho kubafasha. Nanone murebe ayo mudatanga buri gihe, urugero nk’ayo mwishyura imisoro, ubwishingizi cyangwa ayo mugura imyambaro, maze murebe ayo mwatanga buri kwezi, hanyuma muyongere kuri ya yandi.
Ongera amafaranga winjiza. Jya ushaka ibiraka byiyongera ku kazi usanganywe, urugero nko kwigishiriza abana mu rugo, gukorera umuntu ubusitani cyangwa ushake ikintu wakorera mu rugo kikakuzanira amafaranga. Icyitonderwa: ujye uba maso kugira ngo ibyo ukora bitabangamira ibintu by’ingenzi cyane, urugero nka gahunda zawe z’iby’umwuka.
Mwese mu muryango mujye mureba icyabafasha kwishyura ideni.
Mujye mugabanya umubare w’amafaranga mukoresha. Mujye mugura ikintu ari uko gusa mugikeneye, aho kukigurira ko mukibonye (Imigani 21:5).
Reka turebe ibindi bintu byabafasha.
Inzu: Niba bishoboka, mwimukire mu nzu yishyurwa make ku kwezi. Mujye mugabanya amafaranga ya za fagitire mwishyura, mukoresha neza amazi n’amashanyarazi.
Ibyokurya: Mujye mupfunyika aho kurya muri resitora. Mujye muhahira mu masoko ahendutse cyangwa mu maduka yagabanyije ibiciro.
Imodoka: Mugurishe imodoka mudakeneye kandi mufate neza iyo musigaranye aho kwihutira kugura igezweho. Mujye mutega tagisi cyangwa mugende n’amaguru igihe cyose mubishoboye.
Nimumara kugabanya amafaranga mukoresha, muzaba mushobora gucunga neza ayo musigaranye.
Mujye mumenya imiterere y’umwenda murimo maze mugire icyo mukora. Mbere na mbere, mujye mumenya inyungu musabwa kuri buri mwenda, amafaranga mwishyuzwa kuri buri kantu kose banki ibakoreye n’ingaruka zizabaho nimukererwa cyangwa mukananirwa kwishyura.
Musuzume mwitonze amagambo yakoreshejwe mu nyandiko ibemerera umwenda, kubera ko abawutanga bashobora kubariganya.
Hanyuma mugene uko muzagenda mwishyura imyenda. Kimwe mu byo mwakora ni ukubanza kwishyura umwenda usaba inyungu nyinshi. Ikindi mwakora ni ukubanza kwishyura imyenda mito mito, kuko bishobora gutuma abo mwishyura buri kwezi bagabanuka, bityo ntimukomeze guhangayika cyane. Niba mufite umwenda usaba inyungu nyinshi, gufata undi usaba inyungu nkeya kugira ngo mwishyure uwa mbere bishobora kubafasha.
Noneho niba mudashobora kwishyura, mugerageze kumvikana n’uwo mubereyemo umwenda kugira ngo abahindurire uburyo mwamwishyuraga. Mushobora kumusaba ko yabongerera igihe cyo kwishyura cyangwa akagabanya inyungu yabasabaga.
Bamwe mu batanga umwenda bashobora kwemera kuwugabanya niba umuntu ashoboye guhita yishyura amafaranga make afite. Mujye muvugisha ukuri kandi mugaragaze ikinyabupfura mu gihe mumusobanurira ibibazo by’amafaranga mwagize (Abakolosayi 4:6; Abaheburayo 13:18). Mujye mwandika amasezerano yose mugiranye. Niyo mu mizo ya mbere yabangira, nibiba ngombwa mumutitirize kugira ngo agire icyo ahindura.—Imigani 6:1-5.
Birumvikana ko mugomba gushyira mu gaciro mu birebana no gucunga amafaranga. Nubwo mwateganya uburyo bwiza bwo kuyacunga, bishobora kubananira bitewe n’ibintu mudashobora kugira icyo mukoraho, kuko akenshi amafaranga ‘yitera amababa nk’aya kagoma maze akaguruka yerekeza iy’ikirere.’—Imigani 23:4, 5.
MUGERAGEZE GUKORA IBI BIKURIKIRA:
Nimumara kumenya amafaranga mubona n’ayo mukoresha, muganire uko buri wese mu muryango ashobora kugabanya ibyo agura, cyangwa akongera amafaranga umuryango winjiza. Kubona ukuntu buri wese yigomwa bishobora kubafasha gushyira hamwe kugira ngo mwishyure umwenda.