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Uburyo 4 bwo gucunga amafaranga y’umuryango

Yanditswe kuwa 15-12-2017 Saa 01 : 35

« Gucunga » amafaranga y’umuryango ni ikibazo gikunda guteza impagarara mu mibanire kandi kizakomeza kubaho kugeza igihe cyose kidakemuwe. rero bitewe n’imyumvire y ;abubatse ubu ni ubwoko 4 bukunda kugaragara.

- * Gucunga umutungo bombi. Iyo bigenze gutya, abashakanye baba bagomba kugira konti kuri banki bose bahuriyeho niba bishoboka hanyuma buri wese akajya abazwa uburyo amafaranga yakoreshejwe. Ubu buryo burafasha iyo kubikuza amafaranga kuri iyo konti bisaba imikono y’umugabo n’umugore icyarimwe ariko na none biba bibi iyo umwe abuze kandi hari ikintu kihutirwa gisaba amafaranga.

  • Iyo ari umuntu umwe yaba umugabo cyangwa umugore ufite uburenganzira bwo kubikuza wenyine bidasabye umukono wa mugenzi we, icyo gihe uwo muntu akoresha amafaranga uko ashaka atabanje kubyumvikanaho na mugenzi we. Ibi bifasha iyo umugabo n’umugore babanye neza kandi buri wese yizera mugenzi we nta buryarya.
  • Abandi bantu bahitamo ko umugabo n’umugore buri wese agira iye konti kuri banki hanyuma buri wese akaba afite inshingano ze agomba kuzuza. Nko k’umugabo, bitewe n’umushahara we yinjiza, ashobora gusabwa kuba ari we wishyura ibintu by’ingenzi biba bikenewe mu muryango, naho umugore nawe, bitewe n’umushahara yinjiza asabwa kwishyura utundi tuntu tuba dukenewe mu rugo. Ibi biterwa n’ubushake bw’umugabo n’umugore, bagendeye ku nshingano buri wese agomba kubahiriza ndetse bashingiye no ku mushahara buri wese yinjiza.
  • Hari igihe usanga nabwo ari umuntu umwe wenyine ufite umushahara winjiza mu rugo. Ibi bituma amafaranga acungwa mu bundi buryo. Umuntu winjiza ya mafaranga ashobora kuba ari we ufata icyemezo cyo kuyacunga, yitwaje ko wa wundi utayakorera atabasha kuyacunga, hanyuma bikaba byateza amakimbirane. Inama nziza ni ukudasuzugura mugenzi wawe utagira amafaranga yinjiza mu rugo.
  • Uburyo budafite gahunda : Ubu buryo nibwo bubi cyane kurenza ubundi bwose kuko usanga akenshi bugendera ku mahirwe. muri ubu buryo uzasanga buri wese yaba umugabo cyangwa umugore buri wese yibikira ayo yinjije hanyuma akagura ikintu abona ko gikenewe mu rugo. Nta gahunda isobanutse baba bagenderaho, ahubwo usanga bareba igikenewe ako kanya, urugero : iyo hagize ikintu gishira mu rugo, ubibonye mbere niwe ucyishyura ntacyo abajije. Nubwo ubu buryo hari abo buhira, abenshi birababangamira, kuko hari igihe amafaranga ashirira rimwe ku mpande zombi, hanyuma hagira ikintu kigomba kwishyurwa ntibishoboke, amakimbirane agatangira akavuza ubuhuha mu rugo.

Buri buryo bwose bufite inyungu ndetse n’ingaruka mbi, ariko icy’ingenzi ni uko uburyo ubwo ari bwose bukoreshejwe, umugabo n’umugore babyumva kimwe.

Mu micungire y’amafaranga, ni byiza ko ababikora babanza gushyira ku ruhande iby’ingenzi nko kwishyura ubukode bw’inzu, kwishyura amafaranga y’ishuri, kwishyura ibitunga umuryango, kuzigama,n’ibindi mbere y’uko ashira.

Muthoni Mbua
photo : google

Ibitekerezo byanyu

  • Murakoze gukomeza kuduhugura. Twebwe dukoresha uburyo bwo kugabana inshingano buri wese azi ize, buri wese afite bank account ye undi akaba signataire kuburyo umwe ashobora kuvana amafaranga kuri account y’undi mu gihe byaba ngombwa. Tujya inama ku mishinga yose y’urugo tukanumvikana uko tuzayigeraho dufatanije kandi bituguye neza. Uburyo budafite gahunda ntawe nagira inama yo kubukoresha kuko uretse no kuba isoko y’amakimbirane n’agahimano, ubu buryo ntibwatuma umuryango utera imbere kuko nta kujya inama ku byihutirwa n’iterambere ry’urugo mu myaka iri imbere (strategic plan).

IBITEKEREZO

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