Iyo amafaranga akoreshwa nabi, bishobora guteza ingaruka zikomeye ku mibereho myiza y’umuntu, harimo no kubura ubushobozi bwo kugera ku ntego z'ingenzi. Ariko nanone, igihe cyose ushoboye kubimenya hakiri kare, birashoboka cyane guhindura ibintu. Dore zimwe mu nama zagufasha guhindura imikoreshereze y’amafaranga yawe:
1. Andika uko ukoresha amafaranga
Ni ingenzi kugira umuco wo kwandika buri kintu ukoresheje amafaranga, kabone n’iyo yaba make cyane. Ibi bigufasha kubona aho amafaranga yawe ajya, ukamenya n'aho ushobora kugabanya cyangwa guhagarika gukoresha amafaranga adafite akamaro.
2. Tegura ingengo y’imari (Budget)
Gushyiraho gahunda igaragara y’uko ukoresha amafaranga ya buri kwezi ni ingenzi cyane. Banza ugenere amafaranga ibyo by'ingenzi birimo kurya, ubukode bw’inzu, ubwikorezi n'ibindi bibanze. Usigaje, ujye uyateganyiriza kuzigama cyangwa andi mishinga igufitiye akamaro.
3. Irinde gukoresha amafaranga ku bintu bidakenewe
Mbere yo gukora igikorwa icyo ari cyo cyose gisaba amafaranga, wibaze uti: "Ese koko ndagikeneye?" Niba igisubizo ari oya, gerageza kwirinda icyo gikorwa. Ibi bizagufasha gukomeza kugenzura amafaranga yawe no kuyakoresha mu buryo bwubaka.
4. Shyiraho intego z’ubukungu
Intego z’ubukungu zisobanutse ni inkingi ikomeye mu migirire myiza y’imari. Tangira ushyiraho intego nk'ugushaka kwizigamira amafaranga yo gutangiza umushinga, kwishyurira amashuri, cyangwa kugura inzu. Intego ituma ukoresha amafaranga yawe utekereje ku kigiye kukungura igihe kirekire.
5. Koresha ikoranabuhanga mu miyoborere y’amafaranga
Mu gihe ikoranabuhanga rikomeje kwihuta, hari uburyo bwinshi butuma ukoresha amafaranga mu buryo bunoze. Ukoreshe serivisi z'imari zishingiye kuri telefoni (nka Mobile Money) cyangwa Internet Banking kugira ngo wifashishe neza amafaranga yawe, ukagabanya igihombo no kurushaho kuyagenzura.
6. Kurikirana imikoreshereze yawe ya buri kwezi
Buri mpera z’ukwezi, fata umwanya usuzume uko wakoreshaje amafaranga yawe. Ibi bizagufasha kumenya ibice wakosora, aho wagabanya n'aho wakongeraho ubushishozi, bikakugira umuntu ushoboye kwiteganyiriza neza.
Gukoresha amafaranga nabi si iherezo, ahubwo ni amahirwe yo gutangira inzira nshya yo gucunga neza umutungo wawe. Icy’ingenzi ni ukugira gahunda, intego zifatika, n’ubushake bwo guhindura imyumvire yawe ku ikoreshwa ry’amafaranga. Buri gikorwa gito cyiza ukoze none, ni intambwe ikomeye iganisha ku buzima bwiza kandi butekanye mu gihe kizaza.