Inama 7 z’uburyo bwo gukoresha amafaranga neza no kubasha kwizigamira

Ibi ntabwo ari wowe wenyine bibaho, kuko abantu benshi bagorwa cyane no gutangira urugendo rwo gukoresha amafaranga neza no kwizigamira, ari byo tugiye kugarukaho muri iyi nkuru.

Hari impamvu nyinshi zituma umuntu akoresha amafaranga menshi, ariko ibi na none bigendana no kuba umuntu atazi neza ibyo akeneye, ataranabiteguye mbere yo gutangira kuyakoresha. Ibi bituma konti ye ihora iri hasi mu buryo atabyiteze. Dore uburyo 7 wakemuramo iki kibazo nk'uko tubikesha ikinyamakuru Bank of America.

1.Kora urutonde rw'ibyo uzakenera gukoresha amafaranga yawe

Uburyo bwa mbere bugufasha kudasesagura amafaranga ni ukumenya ibyo wifuza kuzakora muri uko kwezi n'amafaranga bizagusaba. Fata urupapuro n'ikaramu wandike buri kimwe uzakenera kandi ubitondeke mu bice bitandukanye, nk'ibyo kurya, imyambaro, ubukode n'ibindi, ibi bizakorohereza mu kuba utakoresha amafaranga mu bindi bintu utari warateguye.

2. Ongeramo kwizigamira mu ngengo y’amafaranga yawe

Iyo umaze kumenya ibyo uzakenera mu kwezi, ni igihe kiza cyo gukora ingengo y'amafaranga yawe, ushyiramo bya bindi wifuza kuzakora, ukagira n'ibyo ugabanya bigendeye ku mafaranga wakiriye, muri ibyo bije nawe ushyiramo n'amafaranga y'utundi tuntu tuzaba ku ruhande, tutari utwa buri gihe, ndetse n'ayo uzajya uzigama bigendeye ku bushobozi bwawe, ukagenda uyongera bitewe n'uko amafaranga ubona yiyongera.

Ingengo y'amafaranga

3. Shaka uburyo wagabanya ibyo ukoresha amafaranga yawe.

Niba ubona utabasha kuzigama amafaranga ari ku rugero ushaka, reba bimwe mu byo uyakoresha bidakenewe cyane ugabanya, uri kwibaza uti ibi wabikora gute! Gereranya amafaranga ukoresha mu kurya muri resitora n'amafaranga wakoresha witekeye mu rugo urebe ikizagusaba macye, tegereza gato mbere yo kugira icyo ugura urebe koko niba mu minsi izaza uzakomeza kugikenera, nibindi.

4. Shyiraho intego yo kuzigama kwawe

Bumwe mu buryo bugufasha kuzigama byoroshye ni ugutekereza aho wifuza kugera, cyangwa icyo wifuza gukoresha amafaranga uri kubika, by'igihe gito nko kuzigamira gukora urugendo runaka cyangwa by'igihe kirekire nko kuzishyurira amashuri abana bawe, ukareba umubare w'ayo bigusaba kubika kugira ngo azabe agezweho mu gihe wateguye, ibi birushaho kugutera imbaraga zo kuyazigama.

5. Menya ibikorwa ushyira imbere mu kuzigamira

Intego ufite igira uruhare rukomeye mu kuzigama kwawe, urugero niba ubona uzakenera kugura imodoka mu gihe kizaza, uratangira gushyira amafaranga amwe ku ruhande uyu munsi yo kuzakoresha iki gikorwa, ariko na none ibi bikorwa bigerwaho mu gihe gito ntibigomba kukwibagiza kuzigamira igihe kirekire kizaza nko mu gihe uzaba utakiri ku kazi cyangwa uri mu za bukuru.

6. Hitamo uburyo bwo kwizigamira buboneye

Hari uburyo butandukanye bwo kwizigamira ukoresheje konti zitandukanye, iyo uri gutangira uba ugomba guhitamo mu buryo bwinshi buhari, ububoneye wakoresha, mu byo ureba harimo nk'ikiguzi cyo kwizigamira, igipimo cy'inyungu, kuba wabona amafaranga yawe ku buryo bworoshye mu gihe ugize impamvu ikomeye, n'ibindi.

Uburyo butandukanye wakoresha mu kwizigamira

7. Kurikirana uko amafaranga uzigama yiyongera

Buri kwezi uba ugomba gukora isuzuma ry'aho ugeze uzigama, kuko birushaho no kugutera imbaraga zo gukomeza iki gikorwa no gukemura ibibazo bivuka bijyanye nacyo byihuse, iyo umaze kumva neza uru rugendo rwo kwizigama bituma ushishikarira gushaka n'izindi nzira wakoresha kugira ngo urusheho kubika amafaranga menshi.

Umwanditsi: Dushime Nina Cynthia-Inyarwanda.com