Kubaho mu mujyi bidafite amafaranga menshi bishobora kumvikana nk’ihurizo rikomeye, ariko si ibintu bidashoboka. Abantu benshi babayeho neza mu mijyi bafite ubushobozi buringaniye, bitewe n’uko bamenye gukoresha neza ibyo bafite, bakagira igenamigambi, ndetse bakamenya guhitamo neza. Uyu mwandiko uragaragaza inama ngenderwaho zagufasha kubaho neza mu mujyi nubwo ufite amafaranga make.

Shyira imbere ibyangombwa kurusha ibindi

Igihe amafaranga ari make, ni ingenzi cyane gushyira imbere ibyo ukeneye kurusha ibyo ushaka. Ibintu nk’ibiribwa, amazi, aho uba, n’ibindi bikenerwa mu buzima bwa buri munsi bigomba kwitabwaho mbere y’ibindi byose. Gukoresha amafaranga yawe mu bintu bidafite akamaro cyangwa bidatuma ubaho neza, bishobora kukugusha mu bukene bukabije.

Iga uburyo bwo kuzigama no gukoresha neza amafaranga

Nubwo amafaranga yaba ari make, ni ingenzi kujya utekereza ku buryo wakizigama n’ubwo byaba ari bike cyane. Gukora urutonde rw’icyo amafaranga agomba gukora mbere yo kuyakoresha ni intambwe ya mbere. Kugereranya ibiciro ku masoko atandukanye nabyo ni ingenzi ushobora gusanga hari aho uhabwa igicuruzwa kimwe ku giciro gito.

Hitamo aho uba hadahenze

Ikiguzi cy’inzu ni kimwe mu bintu bikunze gukoresha amafaranga menshi ku bantu batuye mu mujyi. Ushobora gushaka inzu iherereye ahatishyurwa cyane, cyangwa ugasangira inzu n’abandi bantu. Hari n’igihe kuba kure y’umujyi wa rwagati bigufasha kuzigama amafaranga menshi, nubwo waba ukeneye gutega imodoka rimwe na rimwe.

Shaka akazi gato cyangwa uko wakwinjiza amafaranga

Imijyi itanga amahirwe menshi yo kubona amafaranga nubwo yaba ari make. Ushobora gukora imirimo y’igihe gito cyangwa idasaba ubushobozi buhambaye, nk’amasuku, guteka, gutwara ibintu, gutunganya ubusitani, cyangwa gukora online. Hari n’ubucuruzi buto ushobora gutangiza n’amafaranga make: kugurisha imboga, ibinyobwa, ibiryo byihuse (fast food), n’ibindi, ariko ukabanza gukora inyigo mbere yo gushora imari.

Koresha serivisi z’ubuntu cyangwa zihendutse

Mu mijyi myinshi, hari serivisi ushobora gukoresha ku buntu cyangwa ku giciro gito. Urugero, ushobora kujya muri biblioteki (library) ukahasoma cyangwa ugakoresha mudasobwa n’ubuntu. Hari n’ahantu hatangirwa amahugurwa, inama, cyangwa ubufasha mu bijyanye no gushaka akazi cyangwa kwihangira umurimo, cyane cyane bitegurwa n’imiryango itegamiye kuri Leta.

Iga umwuga cyangwa ikoranabuhanga ryagufasha ejo hazaza

Iyo uri mu mujyi, biroroshye kubona amahirwe yo kwiga ibintu bishobora kuguteza imbere n’ubwo waba nta mafaranga menshi ufite. Hari amasomo menshi atangwa ku buntu cyangwa ku giciro gito, yaba ari ayigisha imyuga (nk’ubudozi, ubukanishi, guteka), cyangwa ay’ikoranabuhanga (nk’iyigisha gukora websites, graphic design, digital marketing, n’ibindi) cyangwa se kubyaza umusaruro imbuga nkoranya mbaga. Ushobora gukurikira amasomo nk’ayo kuri YouTube cyangwa ku mbuga zitanga ubumenyi nk’udemy, Coursera, cyangwa Khan Academy.

Gira abantu beza bagufasha gutekereza neza

Igihe uri mu mujyi, abantu mu buzima bwawe bagira uruhare rukomeye ku mibereho yawe. Gerageza kwegera abantu bakugira inama nziza, bagushyigikira, cyangwa bagufasha kubona amahirwe. Irinde abagutera isoni zo kuba ufite bike cyangwa bagushora mu ngeso zitari nziza zigutwara amafaranga n’umwanya.

Menya kwishima nubwo ufite bike

Ntugomba gutegereza kugira amafaranga menshi ngo wishime cyangwa ngo ubone agahenge. Hari ibintu byinshi bishimisha bidakenera amafaranga: gusura inshuti, gukina imikino ngororamubiri, gusoma, gutembera mu bidukikije, kwitabira ibikorwa rusange by’ubuntu, n’ibindi. Kwishima bituma ubaho neza mu mutwe kandi bikakurinda guhangayika.