Ahabanza » Umuryango » Urugo » Ibyamfashije kumvikana n’umugabo ku bijyanye n’amafaranga.

Ibyamfashije kumvikana n’umugabo ku bijyanye n’amafaranga.

Yanditswe kuwa 01-12-2017 Saa 00 : 26

Muri 1999 nashyingiwe ntarabitekerejeho cyane icyo gihe abakobwa twari tutarajijuka cyane nabikoze kuko ariko bigenda nari nkiri muto. Ikintu cyangoye mu minsi ya mbere ni imikoreshereze y’amafaranga yo guhaha, yashiraga mu buryo ntazi umugabo tukabipfa nkabifata nabi jyewe nkibwira ko angerera ankandamiza kubera ko ntacyo ninjiza kuko nta kazi nari mfite nigaga muri kaminuza kandi narimvuye mu rugo rutunze nibwo buzima nakuriyemo.

Umugabo yari umucuruzi uciriritse, wabonye amafaranga bimugoye yarazi agaciro k’ifaranga, twari dutandukanye rwose mu myumvire. Nkumva ambarira cyane kubera ko ntacyo ninjiza murugo nawe akumva ko nsesagura kubera ko ndi umwana wakuriye mu buzima bwiza. Hamwe no kwiga iby’urugo kuko twembi twashakaga kubaka twitabaje ihame ryo kuganira (communication) tuganira ku kibazo cyo gukoresha neza amafaranga yo guhaha turaguka tugera no ku mishinga (Investment). Twabaze ibyo dukenera murugo buri kwezi guhera ku muceri kugera ku kibiriti, tubibarira amafaranga, twumvikana ko arijye uzajya uyacunga nawe azajya acunga ay’imishinga, kuva icyo gihe muri 2000 kugeza ubu nta makimbirane ashingiye ku mutungo tugirana. U
mugabo wanjye agira imishinga minini, umwe urangira hakurikiraho undi tukabijyamo inama nkamushyigira, buri mwaka tureba ibyo twagezeho na gahunda y’umwaka ukurikiyeho. Tuganira ibyo navuze haruguru, twari mubukode dufite umushinga wo gutura munzu yacu, nasabaga amafaranga yo guhaha akambwira ati « niba ayo naguhaye yashize murye ibihari » ibihari byabaga ari umuceri n’ibishyimbo, nonsaga imfura yacu, nkibaza uko nzabaho ntarya imboga n’imbuto, umwana natangira kurya azatungwa n’umuceri n’ibishyimbo, niga ubwenge bwo gutegura ikiganiro cyagutse, cyavuyemo kugena budget yo guhaha kandi igacungwa nanjye.

Ibi byantuye umutwaro ukomeye, nayahahishaga neza nkamenya no gucunga neza ibyo nahashye, ayo nsaguye nkayazigama kugira ngo nzabashe kugura udukoresho (cyane cyane ibyamenekaga nk’iteremusi, amatase, ibase,…) ntayandi musabye. Ibi byadufashije kubaho neza kandi nawe akabyishimira kandi imishinga igakomeza. Narimaze kumwiga mbona ko tudahuje imyumvire kandi turi abakristo ntazamubeshya, maze kubona akazi musaba ko yanyemerera amafaranga ningengaho atazambaza icyo nayakoresheje, ambera umugabo mwiza nubu ndabimushimira anyemerera 20.000Frw. Nangaga ko tuzapfa ko natwerereye umwana twiganye, naguze umwenda atampaye uruhushya, natanze impano mu bukwe, ….

Amafaranga nigengaho yagiye azamuka uko umushahara wanjye uzamuka nanjye nkayacunga neza nkajya mutungura, ubu ngeze kuri 50,000 hakiyongeraho ayo nsagura kuri budget yo guhaha. Mbasha guteguramo anniversaires z’amavuko n’ubukwe z’umuryango wanjye, gutwereramo abatari inshuti z’umuryango (abo dukorana, twiganye,…), kwizigama mu itsinda ryo kukazi tugabana rimwe mu mwaka nkabasha kuguramo ibikoresho byo murugo (naguzemo : cuisiniere, frigo, amarido, friteuse, ibitanda na matela by’abana, n’utundi dukoresho two mugikoni. Muri uku kwezi natunguye umugabo mubwira uko nifuza gukoresha ayo nizagamye muri 2017 arabishyigikira, nzayaguramo intebe zisimbura izo twatangiranye ubuzima mu 1999, nguremo imitako iciriritse, andi nayageneye ikiruhuko cy’iminsi 3 n’umuryango ku Gisenyi.

Ni ubwambere tuzaba dusohokanye n’abana ubundi byategurwaga n’umugabo tukagenda twembi kubera imishinga ihoraho. Namusabaga kujyana n’abana akanyereka ukuntu bihenze, nigira inama yo kubizigamira. Twese tuzajyana kandi umugabo arabyishimiye. Kuberako turi umuryango w’abantu 7 nashatse maison de passage ifite umukozi wo mu gikoni, nakoze gahunda y’amafunguro nzahaha ibindi mbivane murugo kugirango tuzaruhuke neza bwa mbere mu mateka y’urugo rwacu tugire umwanya wo gusabana no gutembera nk’umuryango bidahenze cyane. )

Ndagira inama ingo zifite ibibazo mu micungire y’umutungo kubiganiraho buri wese akamenya inshingano ze akazisohoza neza mu bwumvikane, ubwubahane n’ubwuzuzanye. Bitanga amahoro n’umunezero kandi umuntu akumva yisanzuye agakora ibikwiriye atihishahisha. Nkuko nabivuze nijye ucunga amafaranga yo guhaha kandi akava mu mushahara wanjye (kuko nasanze nituyashyira hamwe kuyamukuraho bitazoroha, ndamuzi umugabo wanjye ntiyayampa abona muri stock harimo umuceri n’isukari n’ibishyimbo kandi akeneye ayo kugura isima).

Muri macye nubwo twembi dusinya kuri konti yanjye ariko nijye uyicunga, iyo bibaye ngombwa ndamuguriza akazanyishyura nawe ajya anguriza nkamwishyura, mu bwubahane atambaza impamvu kuko twizerana kandi inshigano za buri wese zirasobanutse. Iyo umushahara wanjye uzamutse nongera ayo ntanga ku mishinga y’urugo. Ubu nishyura inguzanyo kuri banki twafashe twubaka inzu, ngahaha, nkishyura expenses z’imodoka (assurance, fuel, maintenance). Umugabo wanjye yishyura amashuri y’abana, umuriro n’amazi n’imishinga y’urugo (ubu dufite amazu akodeshwa n’imodoka yikorera imizigo twafashe mu Akagera igakora yishyura imyaka 2 tukabona kuyegukana, turateganya kugura isambu y’amasaziro mu myaka 2 iri imbere tugendeye ku gishushanyo mbonera tukayibikaho, Imana niduha kurama tukazayimukiramo mu myaka 20. Akabando k’iminsi gacibwa kare kakabikwa kure.)

Kuganira no kugabana inshingano byadufashije gutera imbere byihuse kandi twese tubigizemo uruhare ariko bidahungabanije imibereho myiza y’umuryango. Kwizirika umukanda ni ngombwa mu buzima ariko ntibikwiye guhungabanya ubuzima n’umunezero by’umuryango. Twubatse inzu bitugoye imyaka 5, nkamushyigikira ngafata inguzanyo ku mushara nkagira ibyo ngabanya ngo mwunganire ariko byose nkabikora nishimye n’abana bacu turaganira baba bazi imishinga turimo n’inshingano za buri wese. Turangije kubaka twafatanije kwishima twongera gutegura imishinga y’imyaka 5 turayandika uko ikurikirana.

Abagabo nyabo bahorana imishinga kandi ni byiza ariko nanone ubuzima ni bugufi abantu baba bakwiye kubaho bishimye bafite ibikwiriye ubushobozi bwabo, kuko umugore arangaye yarwaza abana bwaki kubera imishinga y’urugo. Ariko umugore yibitsemo ubwenge bwatuma yungurana ibitekerezo n’umugabo imibereho myiza y’urugo n’iterambere bikagenda neza. Abagabo badushinja ko dusesegura, ku ruhande rumwe ndabyemera ariko umugore w’umutima akwiye kwivanaho uyu mugayo yerekana ko ashoboye gucunga neza umutungo w’urugo ahereye ku mafaranga yo guhaha agaharanira iterembere ry’umuryango akurikije inama twagiriwe mu nkuru yitwa « Uburyo bwagufasha kudasesagura amafaranga mu rugo ». Akizigama agatungura umugabo amwereka ubwizigame.

Mu rugo ikintu kimwe gifitanye isano ikomeye n’ikindi, ntimwabasha kunoza imicungire y’umutungo mutumvikana, ntimwabasha kuganira buri wese atazuza inshingano ze z’urugo, ntibyakorohera umugabo gukunda umugore utamugandukira,…. Twe twatangiriye ku kwiyemeza kubaka urugo rwiza hakiri kare umugabo akuzuza inshingano ze nanjye nkuzuza inshingano zanjye nk’umugore, ntibyikora bisaba kwiyemeza, kwiga iby’urugo, kwihangana, kuganira no kwitanga. Jyewe biranyorohera kugandukira umugabo wanjye kugirango mushimishe kuko iyo atekanye byose bigenda neza nzi ko nunguka amahoro, umunezero, akanamfasha imirimo yo murugo, iyo nibeshye nkamurakaza nta murimo wo murugo amfasha, umushiha uba wose, umubebe aba uwanjye ntiyongere kumumfasha,….

Byafashe igihe kugirango ngere aho ngeze kuko nabanje kujya nihagararaho nitwaje ko nakwitunga nsanga mbihomberamo, niga guhinduka jyewe ubwanjye (nize kudakora icyo umugabo yanga nubwo kaba ari akantu gato, nize kutavugira hejuru, iyo yarakaye nubwo byaba ari amafuti simuburanya , ncisha macye nkazabigarura mu kiganiro byaciyemo nabwo nkabanza ngatera ibuye mu gihuru ngo ndebe ikivumbukamo, nabona urwishe ya nka rukiyirimo nkabireka.

Hari nibyo naretse burundu nkabyihanganira ngo nubake, nize kutavuguruza umugabo mu ruhame nubwo yaba yibeshye ndaceceka agakosorwa n’abandi cyangwa nkamukosora aho yibeshye nyuma twiherereye, nize gutega amatwi umugabo ntamuca mu ijambo, nize gucunga umutekano w’igifu cye n’uwo mu cyumba ku buryo buhoraho).

Ibi byatumye tubasha gukemura amakimbirane ku ikoreshwa ry’umutungo burundu kandi tubasha kubana neza muri rusange nyuma y’imyaka 18 iwacu haracyari « ndagukunda ». Mu mahugurwa y’abubatse batubwiye ko ubushakashatsi bwagaragaje ko ibikomere byo mu ngo bishingiye ku mutungo aribyo bitinda gukira kuruta ibindi kandi bikaba intandaro yo gusenya ingo nyinshi. Iyi niyo mpamvu nyamukuru yatumye ntekereza gutanga ubuhamya, ngo bufashe abandi kwirinda ibi ibikomere.

Ndangije nshimira agasaro magazine ko kanyigishije byinshi mu kubaka urugo rwiza no kurera abana neza. Mboneyeho gushimira abasomyi batanga ibitekerezo byubaka. Twese dukomeze guharanira icyatuma tugira ingo nziza n’abana bafite uburere bwiza, tuzasige umurage mwiza.

Niba nawe ufite ubuhamya cyangwa ushaka kugisha inama watwandikira kuri agasaromagazine@gmail.com

Photo : google

Ibitekerezo byanyu

  • Urakoze cyane maman,nitukwigiraho tuzagera kuri byinshi kandi byiza hamwe no gusengera ingo zacu.
    ntibyoroshye ariko birashoboka.

    Imana iguhe umugisha.

  • Imana igushyigikire ! Niyo yubaka ingo neza, tuyisabe ibe iya mbere mu ngo zacu.

  • Imana Iguhe Umugisha

  • Imana iguhe umugisha uranyubatse kabisa, nubona akanya uzaduhe detail zuko ugera ibyo guhaha, nka liste, uko ubigenza binakunze ukaduha umubare nkuwayo ukoresha ku kwezi byadufasha. merci bcp uri umugore mwiza

  • urakoze cyane Imana iguhe umugisha icyo cyibazo nanjye nari ngifite ariko ungiriye inama kuko naragerageje gukoresha amafaranga neza birananira ugasanga mpashye ibiryo by’ukwezi kose ariko ntibirangirane n’ukwezi kandi nkabona na buri munsi ndi guhaha utundi duto duto tukatwara amafaranga mensi ,usubize n’ikifuzo cya yguette natwe cyadufasha

  • Urakoze Cyane kubuhamya utanze. Ndizerako buzubaka benshi. God bless you

  • Yguette na Claudine, liste yo guhaha irahindagurika bitewe n’urugo n’ibyo rukenera. Reka mbahe liste nakoresheje mpaha ibyo nzakenera muri uku kwezi (nkora liste nkurikije ibyo mfite muri stock, kandi hari ibyo ntajya ngurira rimwe kubera ko byamvuna ahubwo nkabigura mu mezi atandukanye, nkora ku buryo ntagurira umuceri, amavuta n’amakaloni, n’amasabune icyarimwe kuko byamvuna kandi amafaranga mpembwa adahindagurika buri kwezi, iyo mbonye uko nagura ibya macye ndemera ngakora ku mweko ayo nizigamye nkayahahisha nzirikana kuzayasubizaho mu mezi ari imbere. Urugero ubu mfite ibiro birenga 100 by’umuceri na 10L z’ubuto muri stock kuko nabonye uko mbituma Tanzania, mfite na 7Kg z’ubuki natumye ku Gikongoro) :
    - Ibishyimbo 12kg : 6000
    - Kawunga 10kg : 7000
    - Vim 2 : 1200
    - Isukari 5kg : 4500
    - Gas 12kg : 12000
    - Peanuts butter : 3500
    - Amafu (ibigori 2kg,ingano 1kg,soya ikaranze 1kg,amasaka 1kg&uburo 1kg) yigikoma 6kg : 4800
    - Margarine 1kg : 2500
    - Pampers : 10000
    - Umunyu 2kg : 700
    - Amajyani 1 : 1100
    - Makaloni magufi 10 : 6500
    - Savon liquid 5L : 2800
    - Amasabune yo kumesa ikarito (uduti 12) : 5300
    - Olive oil 1L : 7500
    - Ubuki 7kg : 24500 (ubuki mbumarana igihe kinini amezi arenga 3)
    - sauce tomate 10 : 2000
    - Total : 101900
    Ntabwo nahashye amakaroni maremare kuko nari naguze ikarito ukwezi gushize (20), papier hygenique, bloo, lingette, amavuta yo kwisiga, omo, colgate,ubunyobwa, indagara, black paper, simbambili, loico, ibirungo by’ipirawu, polici, sauya sauce, mayonnaise, kechup, butter, motarde, vinegre, ifarini, umuceri n’ubuto narimbifite)
    Iyo maze guhaha ibi navuze haruguru haba hasigaye guhaha ibya buri cyumweru. Dore ibyo mperuka guhaha by’icyumweru :
    - Karoti:1500
    - Imiteja:500
    - Intoryi : 500
    - Ibitunguru bitukura 2kg:1100
    - tangawize 500g : 400
    - Dodo : 500
    - Beterave:200
    - puwavro, seleri, puwaro, romare:650
    - Ishu2 : 400
    - Ibirayi 10kg:2300
    - Amashaza 3kg:1800
    - Ifu y’ubugari 5kg : 2400
    - Indimu 1 : 400
    - Inanasi 1 : 600
    - Epinari 1 : 150
    - Inkoko 1.250Kg : 5000
    Total : 18400
    Liste y’icyumweru ziratandukana kubera ko nkurikiza ibyo nteganya gutegura nkabanza kureba ibyasagutse bihari nkabona gukora liste.
    Inyanya n’imyembe narimbifite umutware yamvaniye Tanzania, hari n’amacunga nahashye ubushize yarakiri muri frigo niyo mpamvu ntambuto zindi naguze. Tungurusumu n’ibitunguru by’umweru, concomble byasagutse, n’amagi nari naraguriye rimwe menshi mucyumweru kibaza, byari bihagije ntabindi naguze. Ibijumba (5kg=1500) n’igitoki (5kg=1500) mbigura hafi yo murugo bucya mbiteka. Amata n’umugati mbyishyura buri munsi, amafaranga yabyo ubu nahisemo kuyaha umwana akaba ariwe uyacunga.

    Ngizo ingero za liste (ibyo mpahira rimwe mu kwezi n’ibyo mpaha buri cyumweru)mwansabye. Turi umuryango w’abantu 9, dufite abana 5 hakiyongeraho umuzamu n’umwana turera. Guteka neza ni intego nihaye mu kubaka urugo umuryango wanjye uzangaya ikindi !

  • Abanyifurije umugisha w’Imana ndawakiriye ! Namwe muhabwe umugisha muri byose ! Abanshimiye, n’abubabatswe n’ubuhamya n’abatanze ibitekerezo mwese nanjye ndabashimiye ! Ubwenge burarahurwa ! Dukomeze kwiga kuko urugo ni ishuri rirangira umuntu yitabye Iyamuremye.

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