Ibizakwereka ko uri kubaho birenze ubushobozi bwawe

Yanditswe na Aimable Nkuranga
Kuya 2 Nyakanga 2020 saa 10:03
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Mu buzima bwa buri munsi, amafaranga anyura mu ntoki za buri muntu ni menshi. Bamwe barayahabwa, abandi bakayakorera kandi biragoye ko wabona umuntu n’umwe uhumeka muri iki kinyejana udafite amafaranga amugendaho, cyane cyane mu gihugu nk’icyacu hano mu Rwanda. Ni nk’aho ubuzima bwose bushingiye ku mafaranga.

Ibihugu bimwe na bimwe bigifite amashyamba menshi y’inzitane nibyo bigiramo abantu bamwe bakibayeho mu mibereho itandukanye cyane n’iterambere tuzi mu gihe cyacu. Abongabo nibo babasha kubaho ubuzima budahura n’ifaranga, kuko usanga ibyo bakenera byose babikemuza ibyo babasha kubona muri ayo mashyamba. Aho kujya ku isoko ngo bahahe ibyo kurya, bene abo babeshwaho no gusoroma imbuto n’imboga zimeza muri ayo mashyamba.

Ntibakenera kujya kugura inyama kuko bahiga bakarya izivuye ku nyamaswa z’agasozi ziba muri ayo mashyamba. Uretse ababaho muri ubwo buzima bwo mu ishyamba busa n’ubwo abakurambere bacu bo mu binyejana bya kera babayemo, abandi twese ubuzima tubayeho bukenera amafaranga. Kuva ku bintu nkenerwa by’ibanze kugeza ku bindi byifuzo umuntu ahorana bitewe n’icyiciro arimo bifitanye isano n’amafaranga.

Muri iyi nyandiko, turavuga ku kubaho mu bushobozi bwawe, ariko twibanda ku bushobozi bw’umufuka wawe, ubushobozi bw’amafaranga. Ntabwo turi buvuge ku bushobozi bw’imbaraga z’umubiri, cyangwa ubundi bushobozi butandukanye bushobora gufasha umuntu mu mibereho ye.

Hari ubwo naganirije abantu ko dukwiye kubaho mu bushobozi bwacu, umwe ahita ambaza ati “ubundi se ubwo umuntu yashobora kubaho birenze ubushobozi bwe?” Niba nawe urimo kwibaza icyo kibazo, komeza usome ibikurikiraho uramenya aho nawe ushobora kuba ujya urenza ubushobozi bwawe.

Muri iyi nzira y’iterambere, aho buri muntu aba aharanira ku kugera ku mibereho yisumbuye iyo yari arimo, usanga abantu benshi bagwa mu mutego wo kubaho birenze ubushobozi bwabo. Nanjye ubyandika, inshuro nyinshi binsaba kwisubiramo ngo ndebe aho nshobora kuba ntangiye kurenza ubushobozi bwanjye. Dore ibimenyetso bizakwereka ko umuntu arimo kubaho birenze ubushobozi bwe:

Gufatwa mu isayo y’amadeni: Umuntu uhora mu madeni akamunanira kuyavamo, akenshi aba abayeho ubuzima burenze ubushobozi bwe. Bene uyu muntu uzasanga akwepakwepa abamugurije, cyangwa ugasanga arafata izindi nguzanyo ngo zimufashe kwishyura iza mbere. Mu mutwe aba yibeshya ko hari icyo akemuye, ariko ntacyo mu by’ukuri aba akemuye.

Kutazigama na gato: Abantu benshi babayeho mu buzima burenze ubushobozi bwabo uzasanga batajya babasha kuzigama byibura na 5% by’ayo binjiza. Abageze mu ntoki yose ashirira mu byo bishyura bitandukanye bagasigarira aho, cyangwa bagasigara baguza.

Kutagira konti y’ingoboka: Iyi konti ni iyo kugufasha guhangana n’utubazo dutandukanye two mu buzima dutungurana tugasaba amafaranga. Nibishoboka tuzayandikaho byihariye. Ariko muri makeya, mbere y’uko tuzayivugaho birambuye, ukwiye kumenya ko umuntu ujijutse mu by’amafaranga yicara yiteguye ko icyamutungura yabasha kwirwanaho, ak’imuhana kakaza nyuma. Iyi konti ikwiye guhoraho, amafaranga akubye byibura inshuro eshatu ayo ukoresha buri kwezi.

Gushirirwa mbere y’uko ukwezi kurangira Ibingibi bishobora kuba ku muntu rimwe na rimwe, ariko iyo usanga ariko umuntu runaka ahora ameze, ntuzabaririze uzamenye ko arimo kubaho birenze ubushobozi bwe. Aha ndavuga bene kwa kundi ajya kugera ku gihembo cye cy’ubutaha ameze nabi cyane.

Guhora wiyambaza inguzanyo z’imanurambabura: Izingizi ni za nguzanyo banki iguha kugira ngo ubashe guhuza n’impera z’ukwezi. Umuntu wese, n’ubwo yaba ajijukiwe n’iby’amafaranga ashobora gufata iyi nguzanyo rimwe na rimwe, ariko iyo usanga ari bwo buzima bwa buri gihe, biba ari ikimenyetso cyo kubaho birenze ubushobozi bw’umuntu.

Ibi bimenyetso tuvuze haruguru, ntabwo bigoye kubyibonaho cyangwa kubibona ku bandi. Gusa burya ikimenyetso cyose kigira impamvu giturukaho. Wakwibaza uti ariko se biterwa n’iki kugira ngo umuntu agere aho abaho birenze ubushobozi bwe? Impamvu zikurikira, ziragufasha kumva uburyo biza buhoro buhoro:

Kwirarira

Iyi ni impamvu ikomeye ituma umuntu abaho ubuzima burenze ubushobozi bwe. Akenshi abantu babikora ngo banga y’uko abandi babanyuzamo ijisho. Abantu babikora banga ko abandi babasuzugura. Hari n’ababikora bashaka “kwemeza” abandi, ngo babatekereze nk’abantu babayeho ubuzima bwo hejuru kandi mu by’ukuri bariho ubuzima buciriritse. Muri iki gice cyo kwirarira, hazamo n’abantu bananirwa guhakana ibyo badashoboye, bakemera bakabyizirikaho, bikabasiga mu bibazo.

Kwigereranya n’abandi

Iki ni ikibazo gikomeye cyane aho usanga umuntu abaho ubuzima bwe ashaka guhora abugereranya n’ubw’abandi baturanye nawe, bavukana nawe, bakorana nawe, basengana nawe cyangwa bahuriye ku bindi bintu runaka.

Umuntu ufite iki kibazo cyo kwigereranya ahora ashaka gutunga ibyo abandi batunze, cyangwa se agahora ashaka kurenza ibyo abongabo batunze. Bikamutera kurenza cyane ubushobozi asanganywe

Icyizere cyo guhabwa amadeni/imyenda

N’ubwo icyizere ari cyiza mu by’ukuri, ariko iyo uhora ugura ibintu ku madeni, birangira ubushobozi bwo kuyishyura bukugoye, kuko uba urimo kubaho ubuzima burenze ubushobozi ufite

Impinduka mu mutungo

Ibingibi nabyo bijya bituma umuntu arenza ubushobozi bwe. Urugero ni nk’igihe umushahara w’umuntu ugabanutse ariko ntabashe guhita amanura imibereho yari asanganywe. Cyangwa se ugasanga umuntu umushahara we uriyongereye, agahita azamura ubuzima bwe mu buryo burenze inyongera yiyongereye ku mushahara. Hari n’ubona inyongera idahoraho, nk’agashimwe runaka, agahita afata ibyemezo bihoraho by’imibereho, bikarangira yisanze mu bibazo bikomeye

Kudatandukanya inyungu n’igishoro

Ibi bikunze kugaragara ku bacuruzi bamwe na bamwe. Umuntu akaba yacuruje amafaranga menshi, yayabona akayabara yose nk’aho ari inyungu akayakoresha mu mibereho ye, atibutseko harimo n’igishoro cye, ndetse n’amadeni y’abandi agomba kwishyurwa. Urugero naguha hano ni nk’urwa rwiyemezamirimo baha isoko rya Leta ryo kubaka amashuli, cyangwa ikindi gikorwa remezo, kizatwara wenda nka miliyari imwe.

Hari igihe bamuha amafaranga yo gutangiza, ayo bakunze kwita avansi, nka miliyoni Magana abiri, yazibona akabanza kuzikenuza, akubakamo inzu, akaguramo imodoka ihenze, akibuka imirimo bamushinze nyuma. Akenshi bene uyu, ayibuka atabasha no kuyikora neza kuko amafaranga yayo aba yayashyize mu bindi.

Mu gusoza iyi nyandiko, ndashaka kukubwira ko abanyabwenge mu gucunga neza amafaranga yabo babaho munsi y’ubushobozi bwabo. Ntabwo barya buri faranga binjije ngo basigare barya n’ayo batarinjiza binyuze mu madeni nk’uko twabibonye haruguru.

Hari imvugo ivuga ko “Abakire bakomeza gukira kubera ko babaho nk’aho bakennye. Naho abakene bagakomeza gukena kuko babaho nk’aho bakize”. Kwanga ko bakunyuzamo ijisho ntibikwiye gutuma uhora mu bukene.

Kwigereranya n’abandi ntibikwiye gutuma uhora mu bibazo kandi uba winjije amafaranga atari make. Tinyuka kubaho munsi y’ubushobozi ufite uyu munsi, bizatuma ugera no ku bushobozi bwisumbuye, bikugeze ku ntego z’ubuzima wihaye.

Umuherwe witwa Warren Buffet akunze kugira inama abantu zikubiye mu mahame abiri. Irya ni “Ujye wirinda icyatuma utakaza amafaranga yawe” naho irya kabiri ni “Ujye uhora uzirikana iri hame rya mbere”.

Nsoje nkubwira ko ukwiye kudatakaza ubushobozi bwawe uko wiboneye, ahubwo ujye uzirikana izi nama ebyiri za Warren Buffet.

Aimable Nkuranga


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