Iyo uganiriye n’abantu bafite akazi kabahemba buri kwezi, usanga benshi bahuriye ku kuba amafaranga bahembwa ashira mu minsi itatu gusa nyuma yo guhembwa, ahanini bitewe n’amadeni menshi barimo. Ibi bibaho ku bahembwa umushahara muto ndetse n’abufite utubutse.
Ibi bigira ingaruka ku iterambere ryabo, kuko umuntu akomeza kuzengurukaho, bigatuma gukora ishoramari no kwizigamira biba ihurizo. Iyo havutse ikibazo gitunguranye, usanga benshi bihutira kwiyambaza andi madeni arimo n’ay’amabanki, akenshi yishyurwa ku nyungu iri hejuru (hagati ya 20% na 30%).
Nka Paradise, twabateguriye inama z’uko wakoresha umushahara wawe uhereye ku byihutirwa, dukoresheje urugero rw’umuntu uhembwa 800,000 Frw ku kwezi, dukurikije inama zitangwa n’urubuga Meta.
Izi nama zagufasha gukoresha amafaranga neza, ntugasesagure, uhereye ku bintu by’ingenzi kandi ugira igenamigambi (budget).
Ibintu 10 wakoreramo umushahara wawe w’ibihumbi 800 Frw uhereye ku by’ingenzi:
Icumbi / Kwishyura inzu – Niba utuye mu nzu ikodeshwa, ibi bijya imbere kuko ari ubuzima bwa buri munsi. Ntibigomba kurenza 30–35% y’umushahara (240,000–280,000 Frw).
Amafunguro y’umuryango – Kugura ibiribwa n’ibikoresho byo mu rugo bya ngombwa (25–30%: 200,000–240,000 Frw).
Amazi n’amashanyarazi – Kubungabunga ubuzima bwiza (5%: 40,000 Frw).
Ubwisungane mu kwivuza (Mutuelle de Sante) – Kwikingira ibibazo by’ubuzima.
Ubwikorezi (Transport) – Ikiguzi cyo kujya no gutaha mu kazi (5–10%: 40,000–80,000 Frw).
Kwishyura imyenda / amadeni – Niba hari amadeni ufite, ujye uyishyura mbere yo gutekereza ku bindi.
Kubitsa / Kuzigama – Byibuze 10% y’umushahara (80,000 Frw) ubibike kuri konti cyangwa mu ikimina.
Ibikoresho by’akazi / Kwiteza imbere – Kugura ibikoresho cyangwa kwiga ubumenyi bushya.
Gufasha umuryango / ibikorwa by’inyungu rusange – Ugenere amafaranga adakabije (5–8%).
Kwinezeza mu rugero – Gufata igihe gito cyo kwishimisha (nturenze 5% y’umushahara).
Icyo abahanga bavuga ku mikoreshereze y’amafaranga
John C. Maxwell yagize ati: “A budget is telling your money where to go instead of wondering where it went.” (Budget ikwereka aho amafaranga ajya, aho gutangazwa n’aho yagiye.)
Dave Ramsey na we yagize ati: “You must gain control over your money or the lack of it will forever control you.” (Ugomba kugira uburyo bwo kugenzura amafaranga yawe, bitaba ibyo kubura ayo kuyacunga bizahora bigufataho.)
