Ubwizigame (Savings) ni igice cyinjiza kidakoreshwa, kikazakoreshwa mu gihe kizaza. Mu yandi magambo, ni amafaranga yashyizwe ku ruhande yo kuzakoreshwa ejo hazaza, kandi ntabwo uba wemerewe kuyakoresha mbere y’igihe wagennye.
Ni ngombwa kwizigamira amafaranga afatika, ndetse
ubwizigame bubaye burenze bumwe bifasha
ibikorwa byawe mu guhangana n’ibibazo bije biremereye bisaba amafaranga menshi.
N’ubwo kwizigamira ari inkingi ishyigikira
ubucuruzi, biba byiza ubwizigame bubaye bwinshi kuburyo bumwe bwafasha ibikorwa
bya bizinesi, ubundi bugahangana n’ibibazo bwite bishobora guhungabanya
imikorere y’ubucuruzi bityo ntukore neza nk’uko byakagombye.
The citizens Bank yo ivuga ko Kwizigamira birinda
umucuruzi guhora mu madeni igihe akeneye amafaranga, ndetse ubucuruzi bwe
bushinganye bigoye ko bwajegajega bitewe n’uko buba buteganirijwe.
Abanyamerika benshi baharanira kuzigama amafaranga menshi afatika, kugira ngo bace ukubiri n’amadeni cyangwa
bazigamire amasaziro yabo, bityo ntibazagorwe n’ubuzima igihe batagishoboye
gukora.
Benshi bafunguza konti zitandukanye kugira ngo bashobore
kubika amafaranga afatika, bazifashisha
mu bihe by’amakuba cyangwa igihe bazaba bifuza guhaza ukwifuza kwabo.
Zimwe mu ngaruka ziterwa no kutazigama amafaranga ahagije, nk’uko bitangazwa n’Ikinyamakuru The Financial Geek:
1. Kujya mu mwenda
Kubera ko umwenda akenshi wishyurwa amafaranga arenze ayo wagurijwe, bikorohera
iyo wizigamiye amafaranga ahagije ukirinda gufata umwenda wa banki, kuko n’iyo
utinze kwishyura bateza ibyawe.
Biragora kugurizwa na banki n’ubwo rimwe na rimwe bifasha, kuko akenshi usanga ubucuruzi bwawe bugizwe ingwate ishobora gufatirwa cyangwa imwe mu mitungo yawe igatezwa cyamunara, igihe kwishyura byakunaniye.
2. Ubuzima budatekanye
Igihe cyose uzi ko utigeze wizigamira ntabwo utuza, kuko uhora utekereza uko byagenda utunguwe n’ibibazo kandi nta bwizigame ufite. Kudatuza nabyo bigutera guhuzagurika, maze ubucuruzi bwawe ntibukorwe neza.
3. Kwiheza mu birori bihuza abandi
Kuba mu bucuruzi butagira amafaranga afatika bitera ipfunwe, kuko abakubona baba babona ukora ariko batazi ibibazo ufite. Iyo utekereje gusabana n’abandi wibuka ko udafite amafaranga ahagije mu bucuruzi bwawe, bityo ukiheza ndetse n’abandi bakuzengurutse bakagutekereza nabi.
4. Kwaguka mu gishoro
Benshi bazigama amafaranga ngo azajye yongera igishoro, ndetse
yagure ibikorwa byabo. Mu gihe utizigamiye, uba ufite ikibazo ko ubucuruzi bwawe
butava aho buri, ndetse kongera igishoro bivuye mu nyungu yinjizwa bigoye, rimwe
na rimwe ugasanga urandavuye cyangwa utangiye guteza imwe mu mitungo ngo wagure
ubucuruzi.
Iyo utazigamye amafaranga ahagije ubaho mu buzima butishimye, kuko uba uzengurutswe n'ibibazo, n'ibigutunguye ntubikemura
Kuzigama bitanga umutuzo mu bucuruzi, ndetse ugashobora guhangana n'ibiza
Ugira ikimwaro kujya mu bandi kuko nta mutekano w'amafaranga uba ufite
Benshi mu miryango bagira ubwizigame budafite aho buhuriye n'ibibazo by'ubucuruzi, kandi birafasha
Ni ngombwa kuzigama mu buryo butandukanye, kandi amafaranga y'ubucuruzi ntavangwe n'andi
Igihe wizigamiye irinde kubikuza cyangwa gukoresha ayo mafaranga, mbere y'igihe wateganirije kuyakoresha
TANGA IGITECYEREZO