Warren Buffett yagaragaje ibintu 10 abantu batakazaho amafaranga bikababuza kugera ku bukire

Dore ibintu 10 bakunze gutakazaho amafaranga n’uko babicunga neza: 

 1. Ibikoresho by’ikoranabuhanga bihenze. Abantu benshi bagura telefone  nshya, mudasobwa, cyangwa ibindi bikoresho bihenze buri mwaka, nubwo ibyo bafite biba bikiri byiza.

Kugura ibikoresho bishya buri gihe ni igihombo, kuko bigabanya amafaranga wakabaye ukoresha ahandi. Buffett asaba gutegereza igihe kirekire mbere yo kugura ibishya. 

 2.Imyenda y’ikirenga: Kugura imyenda ihenze kubera izina ry’uruganda ni ukwikururira ibibazo by’amikoro. Imyenda myiza kandi ihendutse irahari, kandi ishobora kumara igihe kirekire. Ni ingenzi kwirinda gukurikira imideli igezweho buri gihe. 

 3.Ibikoresho byo mu rugo bihenze:  Abantu benshi bagira umuco wo guhindura ibikoresho byo mu rugo kenshi, nubwo ibihari biba bikiri byiza. Kugura intebe nshya, televiziyo nshya, cyangwa ibikoresho byo guteka buri mwaka bishobora gutwara amafaranga menshi. Ibyiza ni ugutegereza igihe kirekire cyangwa kugura ibikoresho biramba. 

 4.Ibinyobwa bihenze:  Kugura ikawa ya 7000 Frw buri munsi bishobora gutwara hafi miliyoni 2,555,000 Frw ku mwaka. Ibi birerekana uko ibintu bito bishobora kugira ingaruka ku mutungo wawe. Buffett asaba ko umuntu yajya ategura ibinyobwa bye mu rugo aho kubigura buri gihe. 

5. Imodoka nshya buri gihe:  Abantu benshi bakunda kugura imodoka nshya buri mwaka, nyamara imodoka nshya agaciro kayo kagabanuka vuba. Kugira imodoka nziza ariko uyikoresha igihe kirekire biruta kugura inshya buri gihe. Buffett asaba gushaka imodoka iramba aho kugura ibishya buri gihe. 

 6.Ibikoresho by’imikino bihenze: Kugura ibikoresho nka ‘gym equipment’ cyangwa ibibuga bya ‘basketball ‘mu rugo bishobora gutwara amafaranga menshi, cyane cyane iyo bidakoreshwa kenshi. ni byiza kwitabira siporo mu buryo buhendutse cyangwa gukodesha aho bibaye ngombwa nk'uko bitangazwa na Yahoo.com. 

 7.Ibikoresho by’ubwiza bihenze: Ibikoresho by’ubwiza nka make-up n’amavuta y’uruhu bihenze bishobora gutwara amafaranga menshi. Aho kugura ibirungo bihenze cyane, ni byiza gushaka ibifite ubuziranenge ariko bihendutse. 

 8.Ibikoresho by’ubuhinzi bihenze: Kugura imashini nini kandi ukora ubuhinzi buto si byiza kuko bishobora gutwara amafaranga atari ngombwa. Gukodesha cyangwa gukoresha ubundi buryo buhendutse bishobora kugabanya igihombo. 

 9.Ibikoresho by’ubwubatsi bihenze: Guhindura inzu buri gihe bidafite impamvu, bitwara amafaranga menshi. Aho gusana inzu buri gihe, ni byiza kuyitaho neza no gutegereza igihe kirekire mbere yo gukora impinduka zidasanzwe. 

10.Ibikoresho by’ubwikorezi bihenze: Gukunda kugura moto, amagare, cyangwa ibindi bikoresho by’ubwikorezi bidakoreshwa kenshi ni igihombo. Gukoresha uburyo buhendutse bw’ubwikorezi nk’imodoka z’ingendo rusange bishobora gutuma umuntu azigama amafaranga menshi. 

Warren Buffett avuga ko gukira atari ukubona amafaranga menshi, ahubwo ari ukumenya kuyakoresha neza. Abantu bakwiye kwirinda gusesagura ku bintu bidafite akamaro kandi bagashora amafaranga mu bintu byunguka, aho kuyatakaza ku byangirika vuba cyangwa bidatanga inyungu.  

Ntabwo ari ngombwa kugura imodoka nshya buri mwaka 1cyangwa 3, wakaguze  iramba

Kugura ibikoresho by'ikoranabuhanga bihenze biri muri bimwe mu bitwara amafaranga menshi kandi wa kaguze ibihendutse binaramba

Ibirungo by'ubwiza biri mu bituma umuntu akomeza gukena bigatuma mu mpera z'ukwezi ari mu madeni kandi yakabaye akoresha ibihendutse kandi byiza