Itandukaniro riba hagati y’umujyi n’icyaro ni uko mu mujyi haba ibintu byinshi , amahirwe n’ahantu henshi umuntu utari umunebwe yakwinjiriza amafaranga ugereranije no mu cyaro.
Haba hari kompanyi nyinshi umuntu yabonamo akazi kaba agahoraho cyangwa ak’igihe gito, ndetse n’ibikorwaremezo biba biteye imbere kurusha mu cyaro.
Nyamara ariko uko amafaranga mu mujyi aboneka cyane, n’ibiba biyasamiye ngo biyatware na byo ni ko biba byinshi. Kuba mu mujyi birahenda kurusha mu cyaro.
Bisobanura ko kuba mu mujyi winjiza amafaranga make bitorohera umuntu ndetse bituma uhaberaho nabi mu gihe abo mu cyaro batarabaho na rimwe mu mujyi ngo baba bazi ko “wagafashe, wagezeyo” nyamara wowe uhigima uvuga ngo “agahinda k’inkoko…”
Nyamara, nyakwigendera Tuyishime Joshua “Jay Polly” yigeze kuririmba ngo kuba mu mujyi “ni ugushakashaka, n’aho nta data cyangwa mama nigeze, ngomba kurya uko byagenda kose.” Ni imvugo yasobanura ko uko umuntu aba ashobora kuba mu mujyi igihe kirekire gishoboka igihe azi icyo yakora n’uko yabigenza. Hari ababishoboye.
Ibanga rya mbere ni ukubaho uko ureshya ukaba nka ya nka yikoma isazi aho igeza umurizo maze ukododeshereza ikoti uko igitambaro cy’umwenda waryo kireshya.
Twifashishije urubuga El Crema, turakugezaho ibintu bitatu by’uburyo wabigenza ukabaho mu mujyi mu buzima bugora cyane abinjiza n’abakorera make bitewe n’ubwoko bw’akazi bakora.
Ni inama wanakwifashisha aho ari ho hose waba kuko nabonye ubuzima mu cyaro no mu mujyi ubu usanga bwenda gusa, ni inkuru twagarukaho ukwayo.
SHAKA UKO WAGIRA AHARENZE HAMWE UKURA AMAFARANGA
Niba uzi ko uri mu binjiza make uba mu mujyi, imwe mu nama zikomeye zikugirwa ni ugushaka uburyo wagira ahantu harenze hamwe wakwinjiriza amafaranga. Niba ufite ahantu hamwe rukumbi ukura amafaranga uri mu mujyi, usa n’uwicariye urwobo hatitawe ku ngano y’ayo waba winjiza yose.
Ingaruka ya mbere bikugiraho cyane cyane iyo winjiza make ni uko uyinjiza uhita uyasohora ku buryo uhembwa ugahita wishyura ibyo usabwa birimo amafaranga y’inzu, guhaha, amafaranga yo guhamagara na interineti maze ukongera gutegereza guhembwa. Babyita hand to mouth living mu cyongereza.
Iyo ushakishije uburyo bundi wakwinjizamo amafaranga nyuma y’akazi ufite biragufasha kandi bigatuma igihe waba ubuze akazi kuko ako ukora ntikaba ari ubukonde, udahita uta umutwe kuko ubuze amerekezo cyane cyane ko n’akazi k’ubu kukabona bitoroshye.
IGA NEZA KANDI UMENYE GUKORESHA AMAFARANGA NEZA
Iyi ni indi nama ugirwa niba uzi ko uba mu mujyi kandi uzi ko uri mu binjiza make. Ugomba kwimenya ukamenya ko ibyo byiza bishashagirana byose atari wowe bigenewe maze ukiga kubaho uko ureshya.
Iga gukoresha amafaranga ku bintu ukeneye mu by’ukuri bitari ukugura icyo ubonye cyose kikunyuze mu maso utanagambiriye mbere.
Aho gusesagura amafaranga uyakoresha mu by’iraha, ukwiye kumenya gukoresha make winjiza uyagura ibintu uzi ko byagufasha kwinjiza andi. Iyo ubonye amafaranga ukayashora mu byunguka n’iyo byaba bito bite uba wirwanyeho nka nyamwitegerakazazejo!
Menya ko ari ukwijomba ihwa mu kirenge igihe cyose uguze ikintu utapangiye cyangwa ubonye gutyo mu muhanda cyangwa mu iduka ngo ni uko ugikunze kandi wavuye mu rugo udafite umugambi wo kukigura. Babyita “impulse buying” mu cyongereza. Ukwiye kubyirinda uko ushoboye kose.
Ikindi kintu cy’ingenzi hano utagomba kwibagirwa ni uko ugomba kubaho nkawe ntugerageze kugira ibyo ugura birenze ubushobozi bwawe ugira ngo wemeze rubanda.
IGA KUGENDA N’AMAGURU RIMWE NA RIMWE
Nta gushidikanya ko abatuye mu mijyi kimwe mu bibatwara amafaranga menshi ari amafaranga y’ingendo. Icyakora ushobora kugabanya amafaranga utanga ku ngendo wiga kugenda n’amaguru cyane cyane ahantu hatari kure. Iyi nama irajyana no kuba watura hafi y’aho ukorera.
Kugenda n’amaguru kandi ni n’uburyo bwiza bwo gukora siporo igufasha kugira amagara mazima binakurinda umujagararo w’ubwonko (stress) wiganza mu mujyi kubera ibiwuberamo.
Nutura ahantu hegereye akazi ku buryo wahagenda n’amaguru ugiye gufata ifunguro ryo ku manywa mu kiruhuko cya saa sita bizanagufasha kugabanya cyangwa kuzigama amafaranga wagakoresheje muri resitora zo mu mijyi unasanga zikosha.
Iradukunda Fidele Samson
