Gushyiraho intego nini ni imwe mu nkingi z’ingenzi mu buzima. Iyo ugira intego, bituma ubasha kugira icyerekezo mu byo ukora byose, harimo n’ukuntu ukoresha amafaranga. Kubika amafaranga kugira ngo ugere ku ntego nini ni intambwe isaba kwitonda, ariko kandi ni ingenzi cyane. Iyo utangiye kubika hakiri kare kandi ukamenya uburyo bwo kugenzura uburyo bwawe bwo kubika, ushobora kugera ku ntego zawe mu buryo burambye.

Muri iyi nyandiko, turarebera hamwe uburyo 5 bwiza bwo kubika amafaranga bukwemerera kugera ku ntego nini wihaye. Buri buryo burimo inyungu yihariye kandi bizagufasha gukora ibikorwa bikomeye mu buzima bwawe.

Kuki kwizigama hakiri kare ari ingenzi?

Kwiga gutangira kubika amafaranga hakiri kare ni intambwe y’ingenzi mu rugendo rwawe rwo kugera ku ntego nini. Iyo utangiye kubika amafaranga hakiri kare, ugira igihe kinini kugira ngo umenye uko amafaranga yawe azabyara inyungu. Gutangira kare biguha amahirwe yo kubona amafaranga menshi mu gihe kirekire, bigatuma ibyifuzo byawe bigerwaho.

Uko inyungu ziyongera zikora

inyungu ziyongera (compound interest) ni igihe inyungu ibyara izindi nyungu. Ibi bigira ingaruka nziza cyane ku bafite intego nini zo kubika amafaranga. Iyo utangiye kwizigama hakiri kare, amafaranga yawe atangira gukura mu buryo bwihuse, kuko inyungu zunguka ku nyungu. Iyo ubishatse neza, amafaranga uzabona mu gihe kirekire azarushaho kuba menshi kubera uburyo compound interest ikora.

Shyiraho gahunda yo kubika

Gushyiraho gahunda yo kohereza amafaranga buri kwezi

Kubika amafaranga mu buryo bw’ikora (automatic) ni uburyo bwiza bwo kwirinda kwibagirwa. Ushobora gushyiraho uburyo bwo kohereza amafaranga kuri konti y’ishoramari cyangwa indi konti igihe cyose kigeze, nk’uko bikorwa n’amabanki cyangwa izindi serivisi z’imari. Ibi bizatuma wizigamira nta guhungabanya gahunda yawe ya buri munsi.

Umumaro wo gushyiraho gahunda yo kubika

Gushyiraho gahunda itavogerwa yo kubika amafaranga bizatuma umenya neza ko amafaranga azajya agera ku ntego zawe. Ibi bifasha kandi mu kugabanya stress cyangwa impungenge zaterwa no kwibagirwa kubika amafaranga. Iyo gahunda ihari, ntabwo uzajya ubitekerezaho buri gihe, ahubwo amafaranga azajya agera ku ntego yawe mu buryo bwikora.

Gira intego ziboneye

Kubika amafaranga ugamije intego zihariye

Mu gihe ufite intego nini, kubika amafaranga buri gihe ni ingenzi. Ariko, iyo utangiye gutandukanya iyo ntego nini mu bice bito, biroroha kugera ku ntego yawe. Urugero, niba intego yawe ari ugukora ubucuruzi, menya neza ko mu byumweru cyangwa amezi runaka ugomba kuba warabikuyeho amafaranga menshi. Iyo ibyo bice bito bishyizwe hamwe, uzabona ko intego nini zishoboka.

Gukurikirana intambwe zawe

Kugira uburyo bwo gukurikirana uko amafaranga yawe yagiye avamo bizagufasha kumenya aho ugeze mu rugendo rwawe. Gushyiraho gahunda yo kugenzura buri kwezi cyangwa buri cyumweru bizatuma wibuka ibyo umaze kugeraho. Uko uzagenda ukurikiza iyi gahunda, uzaba ugerageza kumenya niba bigenda neza cyangwa niba hakenewe ko uhindura uburyo bwo kubika amafaranga.

Guhindura uko ukoresha amafaranga

Gucunga neza imikoreshereze yawe y’amafaranga

Kwimenyereza gucunga neza amafaranga ni intambwe ishimishije mu kubaka ubuzima bwawe bw’ejo hazaza. Kumenya neza ibyo udakenera buri gihe bigufasha kugabanya amafaranga ukoresha mu bintu bitari ngombwa. Ibi bizatuma ushyira mu bikorwa intego zawe. Ni ingenzi kumenya gucunga uburyo ukoresha amafaranga, cyane cyane mu bintu bitari ngombwa.

Uko impinduka ntoya zifasha

Ntugomba guhindura ibintu byinshi icyarimwe. Icyo uba ugomba gukora ni ukugabanya ikintu kimwe gitwara amafaranga ku buryo budakenewe, ugashaka uko uzabikora. Urugero, guhindura imodoka imwe nk’uko uhitamo gukoresha indi, cyangwa kugabanya uburyo bwo kugura ibiryo bizatuma utunganya uburyo bwo kubika amafaranga yawe ku ntego yawe. Ibi ntibisaba gukora impinduka nini, ariko biza mu gihe kirekire.

Gushyira amafaranga mu Ishoramari

Kugira ishoramari mu bintu bitandukanye

Niba ushaka kugera ku ntego nini, ishoramari ni ingenzi. Uburyo butandukanye bwo gushora amafaranga bushobora kugufasha kugira amafaranga menshi. Ibi birimo ishoramari mu migabane, imitungo cyangwa ibikorwa by’ubucuruzi. Gushyira amafaranga mu bikorwa byunguka bizafasha kugira amafaranga agufasha kugera ku ntego zawe.

Uko wahitamo uburyo bukwiye bwo gushora amafaranga

Gushora amafaranga bisaba kugira ubumenyi bw’imari no kumenya aho uteganya kubishyira. Ni ngombwa kwiga neza ku buryo bwose bw’ishoramari, kugira ngo ubone amahirwe atanga inyungu mu buryo bugaragara. Gukoresha uburyo bukwiye bw’ishoramari bizagufasha kubona inyungu zishobora gukomeza gukura muri igihe kirekire.

Mu nyandiko zacu zitaha tuzasesengura neza kuri iyi ngingo yo gushora imari ndetse n'uko wahitamo uburyo bwiza bwo gushora imari.