Ingingo 7 zo kuganira ku mafaranga hagati y'abakundana

Ni kenshi abakundana bibagora kuganira ku mafaranga cyangwa ku mitungo bitewe n'uko bataba babibona kimwe. Hari ingingo 7 zafasha abakundana kuganira ku mafaranga nk'uko Elcrema yabitangaje:

1. Ujye ugira ubupfura mu gihe uvuga ku bijyanye n’amafaranga yawe

Uko utekereje kuri iyi ngingo ni ko urushaho kubona ukuntu abantu bakundana bibagora kuvugisha ukuri ku bijyanye n’amafaranga yabo.

Rimwe na rimwe, haba ukoresha amafaranga mu bintu atavuganyeho n’umukunzi we, ntatinyuke kuba yamubwiza ukuri aho yagiye, ubundi ugasanga hari ufite konti ye ku ruhande atajya abwira umukunzi we.

Ibi rero si byiza na gato mu rukundo kuko iyo umukunzi wawe abimenye bimubabaza cyane kandi akaba yanatangira kwibaza ko hari n’ibindi byinshi umukinga bitari ibyo. Ni koko, ntibyoroshye pe, ariko burya kubivugaho kandi ukavugisha ukuri, yaba ari imyenda ufitecyangwa amafaranga wakoresheje, bitanga amahoro cyane mu rukundo kandi bigatuma mugirana icyizere cyane.

2. Iregere amakosa wakoze cyangwa n’izindi ngeso zawe zitari nziza mu gukoresha amafaranga

Niba hari amakosa wakoze mu gukoresha amafaranga yawe cyangwa se yanyu nka couple, n’ubundi ibyo byarangije kuba wita umwanya mwishi ubitekerezaho cyangwa ubimuhisha.

Bimubwire kandi mushakire hamwe igisubizo kandi umusabe imbabazi ndetse wirengere ingaruka z’ibikorwa bibi byawe, ntiwemere ko bimugwaho kandi nta ruhare yabigizemo, umwemerere ko utazabisubira kandi koko guhera ubwo ntuzigere na rimwe ubisubira.

3. Si byiza kugarura ibibazo by’amafaranga bya kera

Ibyinshi mu biganiro hagati y’abashakanye bishobora kubafatira umwanya munini ni ibiba bijyanye n’amafaranga n’ikoreshwa ryayo. Imodoka cyangwa inzu nshya bagiye kugura, ingendo bashaka gukora kandi zibasaba amafaranga menshi, umunsi mukuru bateganyanya gukora ukomeye, n’ibindi. 

Muri ibi byose kenshi usanga atari ko babyumvikanaho kimwe, ugasanga akenshi habamo impaka nyinshi, usibye kandi n’izi ntonganya zishobora kubaho mbere, hari n’izindi ngo nyinshi ushobora kumva zihora zitongana, zivugana nabi kubera ibibazo zigeze kugira kera biturutse ku mafaranga.

Si byiza rero kugarura ibi bibazo kandi byararangiye kuko bizana intonganya z’ubusa mu rugo kuko niba ari uwumva aba yarumvise icyo gihe ubimubwira, niba kandi atumva n’ubundi icyo wakora cyose ntiyakumva; kubigarura byaba ari nko gukora ubusa.

4. Niba mu biganiro byanyu udashobora kumwubahira urukundo umufitiye, nibura ibuka ikinyabupfura n’icyubahiro umugomba

Uburakari ubwo ari bwo bwose waba ufite igihe urimo kuganira n’umukunzi wawe ku ngingo runaka mutarimo kumvikanaho neza, si byiza ko umwubahuka ngo umusuzugure cyangwa ngo umutuke.

Mu kuvuga ku byerekeranye n’amafaranga n’ikoreshwa ryayo mu bakundana nk’uko twabonye ko biri mu biganiro bishobora gutuma abashakanye barakaranya, jya ugerageza gukomeza kuba wowe Nyirizina, umenye aho kwihangana kwawe kurangirira n’aho uburakari bwawe butangirira, umenye kwifata no kwihangana mu gihe ubona ko bigeze kure.

5. Baza ibibazo byinshi umukunzi wawe, shakisha uko wumva uburyo afata cyangwa akoresha amafaranga ye

Aho kugira go umutegeke ko akoresha amafaranga cyangwa ayafata mu buryo wifuza, gerageza kumubaza ibibazo byinshi, umusobanuze mu buryo bwose ku buryo usobanukirwa uko we ayakoresha n’ibyo yifuza gukora.

Burya iyo wumva kandi usobanukiwe neza n’imiterere y’umukunzi wawe n’uburyo afata ibintu ntabwo bikugora kimwe no kuba utabyumva. Niba muri mo kuganira ku bijyanye n’amafaranga, ntugahite urakara cyangwa ngo ushake ko atekereza nkawe kuko buri wese agomba kugumana uburenganzira bwe, ahubwo wenda mukumvikana uburyo mwese mwahuriza hamwe.

6. Ntukabwire nabi umukunzi wawe cyangwa ngo umugaye imbere y’uwo ari we wese

Twese iyo twagize ikibazo runaka tuba twifuza ko cyashira, tukifuza uwo twakibwira kugira ngo kidusohokemo, ariko kandi kuvuga umukunzi wawe nabi cyangwa kumusebya imbere y’inshuti ze cyangwa se zawe cyangwa n’undi muntu wese, burya ntabwo biba byiza na gato. 

Ni yo mpamvuu banavuga ko imyenda isa nabi imeserwa mu mbere, ntabwo ari byiza ko mwishyira hanze. Niba udashoboye kugabanya ‘stress’ uterwa n’ibibazo by’amafaranga mugirana, jya ushaka umujyanama w’abakundana akuganirize, cyangwa se undi muntu usobanukiwe neza n’uburyo amafaranga akoreshwa akugire inama y’uburyo mwajya mubyitwaramo.

7. Jya wibuka kumenya aho kwihangana kwawe kurangirira bityo niwumva uburakari ari bwinshi, umusabe ko mwaba mucumbitse ikiganiro mu minota mike kugira ngo ubanze ufate imbaraga n’undi mwuka.

Hari igihe rwose bigera kure, impaka ari nyinshi, aho kugira ngo mube mwakubahukana, ni byiza ko mufata umwanya mukaba mubihagaritse mwakumva nta kibazo mushobora kongera mukavugana mukaba aribwo wongera.