Ni kenshi hagite havugwa ibintu bitandukanye birebana n’ubutunzi cyangwa ubukire mu yandi magambo amenyerewe, ariko nanone hibazwa ibituma abantu bitwa ko bakennye bahora bakora cyane ariko ugasanga ibyo bakorera ndetse n’imbaraga bakoresha zisa nkaho ntaho zibageza ngo babe bava ku rwego rumwe bagere ku rundi, Gusa nanone si bose kuko hari abatanga ubuhamya bavuga ko ubukire bafite ataribwo bahoranye ahubwo ko bahoze bakennye.
Uyu munsi rero turarebera hamwe igituma bamwe mu bakire imitungo yabo igumya gutumbagira mu gihe n’abitwa ko bakennye bahora hasi, bagahora barwana n’ubutunzi ariko ntibugwire ngo babugereho.
Izi nama zatangira guhindura ubuzima bwawe guhera uyu munsi:
1. Mu gihe urgihembwa umushahara uciriritse, tangira kubika (saving) buri gihe, numara kugera ku rwego rwo kwinjiza amafranga menshi, ntibizakorohera kubika (saving) kuko uko ubona menshi ni nako ibyo kuyakoresha byikuba kabiri. Ibuka gukoresha amafranga yasigaye nyuma yo kubika kuruta kubika ayasigaye nyuma yo gukoresha amafranga winjije – use what is remaining after saving
2. Ubushuti n’amafaranga ni imyambaro itajyana, bimeze nko kuvanga amazi n’amavuta. Najyaga nicara ngasabira umugisha abantu bandimo amafaranga kugirango babone menshi maze banyishyure ariko nasanze iyo bayabonye babanza kwigurira imyenda mishya ndetse bakishakira izindi nshuti, nahise nsobanukirwa ko muri ubu buzima nutangira kugira amafaranga na wawundi mutaziranye azatangira kukwita umuvandimwe.
3. Muri ubu buzima ni wumva ko iyo ufite amafranga uba ufite buri kintu cyose, nawe buri service yose usabwe uzajya uyikora babanje kuguha amafaranga kugeza nubwo uwagusaba amazi yo kunywa uzajya ubanza kumwishyuza. Icyo gihe uzaba urimo utakaza ubumuntu, uzitegereze uzasanga abakire bakomeza gukira kuko babaho nk’abakene naho abakene bagakomeza gukena kuko babaho nkabakire.
4. Kwambara imyenda mishya ntago aribyo bizatubwira ko ukize, ahubwo byibuze umubare wabo ubasha kwishyurira amashuri batishoboye cyangwa abo ugaburira babuze icyo kurya nibo bazatwereka ko ukize ku mutima ndetse no mu mufuka.
5. Ntuzashyire amafranga yawe yose muri bank cyangwa ngo uyabike mu nzu. Iyo uyashyize muri bank yose agirira akamaro nyiri bank kuko amufasha kubaka business ye, iyo uyabitse mu nzu ntacyo akumarira. Ahubwo yashore mu bindi bizana inyungu. Ibuka ko iyo ufite amafraga aba agomba kugukorera wowe ukaruhuka, si wowe ugomba gukora ngo yo aruhuke.
6. Amafranga ntasimbura ubumuntu, amafranga ntaruta umuryango. Jya ufata akanya ubane n’umuryango wawe kandi ducye ufite udusangire nawo. Ni byiza kurya ducye twiza turimo umunezero kurusha kurya byinshi birimo amarira.
