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Umugabo wanjye asesagura amafranga nkore iki ?

Yanditswe kuwa 03-06-2018 Saa 21 : 19

“Umugabo wanjye aranduta cyane mu myaka, andusha imyaka 10,ni umwarimu muri Kaminuza (UR), ahembwa amafaranga menshi, twashyingiranywe muri 2012, dufite ubuzima bwiza rwose kuko n’abana bacu biga mu mashuri meza.

Ikintu gitangaje n’uko ubu tukiba mu bukode kandi twishyura amafaranga menshi, iyo mukojeje ibyo kubaka ambwira ko izo ari gahunda ndende atazabivamo, ubuzima bwe ni akazi n’inzoga, iyo avuye ku kazi ahitira mu kabari, yamara gusinda amafaranga yose afite bakayamukuramo, Laptop bagatwara muri make ahora agura telephone na Laptop kuko aho anywera hose baramumenye.

Nubwo akorera amafaranga nakwita menshi ntitugira saving (kwizigamira) duhora twayamaze ajya guhembwa nta nkuru ! Naramwinginze ngo ampe igishoro byibuze gito yaranze ngo nimurerere abana.
Nagerageje kubibwira mu rumuna we ngo amugire inama arambwira ati no mu rugo niko yari ameze twari tuziko nashaka bizashira ubwo nyine uzihangane ntacyo namuhinduraho.

Nibaza ahazaza h’urugo rwacu, nta kazi ngira, nta masambu tugira, nta saving, mbega mba numva umunsi yavuye mu kazi tutazabaho.
Nta kintu nakimwe ajya ashaka gutekereza ku bijyanye no kuba twashaka uko twubaka n’ikibanza dufite i Nyamata aba ashaka ko tukigurisha tukagura imodoka ! Gusa byo narabyanze”.

Ntekereza kuba anduta cyane nabyo biri mu bituma atumva inama zanjye.
Ndabasaba inkunga ku bitekerezo byanyu, murakoze.

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Ibitekerezo byanyu

  • birakaze ubwo uwo mugabo sibamuroze najye kwamuganga arebe uko bamugenza

  • eeh ntibyoroshye rero iyo umuntu atagutega amatwi biragora guhuza umushinga p njye ndumva ntakindi wakora uretse kwirwanaho kuko byo nava mukazi muzasabiriza.
    none rero :
    1.niba ari wowe uhaha jya usaguraho makeya uyazigame.
    2.jya umusaba amafaranga (yenda yo kwisukisha, gutaha amakwe, gutwerera ....) nyuma uyazigame bizagufasha.
    3.uzagerageze ukore umushinga ugendeye ku bushobozi mufite uwumwereke.ndetse ubonye ari muzima atanasinze wagerageza ukamugusha neza ukamwereka impungenge ufite zuko aramutse atagikora cg arwaye indwara ikomeye uko mwabaho.
    4. njye ngize Imana nkasanga no mumufuka we yayasigaranye nayatwara nkayabika nkamwihorera apfa kuba azagirira akamaro abana banjye.
    5. jya umushyigikira mu businzi bwe mu rwego rwo kumwiyegereza ni biba ngombwa umugurire n’agacupa akunda kugirango umucacure bizatuma akwegera mubone nuko muganira.

    nshoje ngushimira ko izo mpungenge uzifite. hera none kuko umusinzi nta garantie y’ubuzima aba afite abamwabura banamugirira nabi bakamutwara ubuzima. kuko niba kuva kera izo ngeso yari azifite ndakurahiye azabikurwaho na nyagasani wenyine. uwanyigishije muri kaminuza we yarinze yitaba imana ntacyo agejeje ku muryango we kubera ubusinzi. ubu umudamu we nabana be bateye agahinda muri kigali.

    Gira Amahoro

  • umukobwa yanze umusore wamukundaga akurikira amafaranga n’imitungo ku ngufu agezeyo asanga umugabo afite amadeni atagira uko angana, ata umutwe neza neza iyari inzobe ihinduka igikara umusatsi urapfuka, none nawe uko mbona wakurikiye uwo mugabo ubizi neza ko ari umusinzi aliko afite amafaranga uziko uzamuhindura akareka inzoga kandi ubwo hari abasore wabenze benshi bagukundaga. nta nama nakugira gusa ubuhamya naguha nzi umusaza wakoraga muri rwandatel kera yanywaga inzoga kuva mu gitondo kugera nimugoroba aliko akagira umugore w’umurokore mwiza cyane w’inzobe barinze basazana byiza cyane kugera aho atahiye azize umwijima ngirango. nkwifurije kugira urugo rwiza

  • muraho neza ? njwewe uko mbibona ikibazo nuko asinda kandi utubwiyeko ari ibisanzwe kuva na kera. none rero menya ubwenge wirindira ko azava ku kazi ngo urebe uko bizagenda nonese niba nyine ariwe ubatunze mukaba nta savings mufite, ntanzu , kandi mufite abana ubwo icyakurikiraho ntucyumva. erega wibuke ko no mubusinzi bwe hashobora kumuviramo impanuka yateza no kubura ubuzima. abasinzi bose niko bavuga ngo icara urere abana banjye ariko sibyo rwose ubimenye. niba adashaka ko uva mu rugo hagume ariko wange kubaho ntanigiceri wigirira. ubwo se agize ikibazo bikaba ngombwa ko ari wowe umwitaho ? wajya kuguza kandi uri mwene lecturer ? twiheshe agaciro rero niba yanga ko ukorera amafaranga naguhe amafaranga ya savings. ubwo se umwana arwaye yasinze ari mu kinya wabigenza ute ?

    ikindi kandi niba ikibanza mufite yumva mwakigurisha buriya niyo mwafunguza konti ya savings ntibyashoboka yajya agira icyaka akayitekereza wabikorana ubushishozi wenda ugakora konti bloque cg ukamusaba ukayiyandikaho wenyine.
    dore inama zanjye :
    banza umusabe amafaranga ahoraho ya assurance y’umuryango adakorwaho nka 200.000 adakorwaho keretse byakomeye nabyanga,
    funguza konti yawe nujya guhaha ujye uhaha bikeya ayandi uyabitseho
    jya umusaba amafaranga yo gukemura ibibazo byo murugo uyabitse
    jya umubikira amafaranga igihe atashye yasinze umusigire makeya
    nubona atanyoye jya umuganiriza umusabe kuguha icyo wakora unamwereke impungenge ufite ku hazaza humuryango wanyu igihe azaba atabashije kuwukorera."gusa atakumvise nagato wabika amafaranga kuri buriya buryo ukamwihorera akisanzura, ubundi jya umusengera umwereke YEZU Nyirimpuhwe."
    byose byanze uzabwire umuryango wanyu ubafashe kwiga ukuntu mwagira savings.
    ndakubwiza ukuri naramuka aretse inzoga agasanga haricyo wazigamye azagushimira.

  • Jya mu rusengero usenge ukijijwe Imana izakurengera.nta kindi wakora keretse kumusengera Imana igahindura umutima we akaba umugabo utekerereza urugo rwe ejo hazaza kandi nawe akaguha agaciro.

    Jye gusenga mbibona nkumuti urambye kandi muzima.

  • sha wowe washatse neza nuko utabimenya. uravuga ngo akunad akazi n’inzoga... ubwose uwaguha ujya mubandi bagore agasambana umureba, agasinda ku manywa n’abana ntiyibuke kubigisha wagira ute ? shikama wubahe umugabo wasanga impamvu arara mukabari iyo atashye umubwira nabi ngo arasesagura. ihangane umwihorere kuko mu kinyarwanda bati "uwo nyina atahinduye ntiyahindurwa n’umugore".

  • Ikibazo ufite gikomeye nuko ubana n’umusinzi. umugabo wawe inzoga zaramutwaye ku buryo nta kindi ashyira imbere. niba waramushatse ariko ameze ukabibona ntubyiteho icyo gihe, ubu menya ko aricyo kibazo mufite.
    ntabwo rero ushobora kwemeza ko mubayeho mu buzima bwiza umugabo ari umusinzi. nutumva ko ari ikibazo gikomeye nta nama bakugira yagufasha.
    iyaba atari umusinzi :
    - ntiyajya mu kabari ngo bamucucure rimwe kabiri...kugeza aho azwi hose bamuha urwamenyo kubera ibyo. ubunyangamugayo ntazi icyo aricyo.
    - ntiyananirwa kumva ko kuzigama ari ingenzi cyane ko mufite abana, kandi ngo yarize ra arajijutse. none se muzabaraga iki ?
    - ntiwagisha inama umuryango ngo bakubwire ko ntacyo bagufasha. niko yamye bo bakuyeyo amaso.

    - igisigaye rero : ntushobora kumufasha kureka kunywa agasinga akarwambara atabishaka. uzabigenza ute rero kugira ngo we ubwe abone ko afite ikibazo kandi agomba gukemura mu maguru mashya ? abana banyu se arabaha uruhe rugero ?

    ubusinzi ni ikibazo gikomeye nko kuzongwa nibindi biyobyabwenge byose. njye mbona abantu bumva ko ari ibintu byoroheje.

    none rero : mutumire ko ushaka ko muganira, umubwire ko rwose akwiye kureba icyo yakora kuri izo nzoga. umuhe ingero zuburyo zibabuza gutera imbere iyo anywereye umushahara wose, iyo bamucucuye mu kabari yasinze, iyo atabona ko mukwiye kuzigamira abana. se ko uyu munsi afite akazi ejo akabuze cg akarwara cg akanapfa ? Ibi byose ugomba kubimubwira.

    mbona wowe ukwiye gushaka akazi ugatangira imishinga yo kuzigama no kwiteza imbere. ntiwagakwiye kwicara mu rugo ngo urarera abana ejo hazaza hadasa neza.

    uzamubwire aguhe igishoro wamusabye cg se umubwire ko urimo gushaka akazi ko kucyishakira.

    hanyuma ku kibazo cy’imyaka : nkuko ububibona iyo akurusha niyo afite ntacyo imumariye. imyaka ni imibare. kuva mwarasezeranye murangana kuko uri umufasha we. ntukamuvugishe nkusaba umubyeyi we jya umuvugisha nkumuntu munganya agaciro mu rugo rwanyu. byose mu kinyabupfura.

  • Ndumva utorohewe muvandimwe. Uwo mugabo wawe niba ari umusinzi wabigize umwuga biragoye kuzimukuraho. Inama nakugira rero ; niba warabibwiye umuryango bakakubwira ko batashobora kumuhindura kandi akaba ateza urugo ubukene, egera umukoresha we ariwe UR ubereke ikibazo, ubasabe bagufashe ku bw’inyungu z’umuryango bakore saving muri caisse d’entraide (ikigega cy’abakozi kirimo ibigo nka UR, CHUB, CHUK, .....) aho umukoresha akura franga ku mukozi akayaverisa muri iyo caisse. wabasaba bakamufatirana atasinze bakamusinyisha contrat ya saving bityo ayo yazabafasha mu gihe azaba atagifite akazi.
    Kandi muri byose ujye wibuka gusenga Imana uyisabe kumuhindure kandi ntukamubwire nabi ntuzongere no kumuhoza ku nkeke umubwira ko ntacyo amaze, tangira umwerere imbuto nziza umwereke urukundo mbese nawe uhinduke kandi ndabyizeye nawe azahinduka. Amahirwe masa

  • Pole kabisa. Abarimu bo muri kaminuza benshi niko bameze. Ubusinzi, ubuhehesi
    ... gusa ikibazo kuri wowe nuko nta kazi. Nanjye uwanjye niho akora. Nabuze akazi imyaka 2 nari mpfuye n’inzara asinda buri munsi ari nako atarara indaya. Ubu ndikorera kandi nahereye ku bushobozi buke. Ntuzamuhindura gusa kuba warabyaye ihangane. Ntugire ngo ni différence y’imyaka. Niko benshi bameze. Wowe niba atajya mu ndaya biroroshye, ihangane.uretse ko atazinywa we nyine. Shaka icyo wikorera. Sinatra ko nkugira inama nubwo nihise gutyo ndi umudamu. Tél 0788595542 nkurusha experience muri ibyo bibazo. Ubu ndiyubatse.

  • Muraho mubyeyi,

    Reka nguhe ubuhamya bw’ibyanjye wenda bya gufasha.

    Njye uwanjye andusha 12 ans
    dushyingirwa namaze nk’icyumweru naramubuze arara mu kabari uhereye umunsi narugezemo namaze gutwikururwa ndyama nzi ngo bari kwinegura na bene wabo muri salon ngize ngo ndakangutse mbura umuntu.

    ashobora kujya mu kabari ajyanyeyo 100,000RWF akagaruka nta na tanu.

    tukiri abageni iyo yatahaga kare cyanee ni 2:00AM (Saa munani za mugitondo) akaza avuza amahoni cyanee abaturanyi bo bari baramenyereye

    uko nabigenje :

    nabonye ntacyo tuzimarira tuba mu nzu ya 200,000RWF kandi namusanze ayimazemo 5ans nsanga imibare ni zero
    naramwicaje musaba ko twagura akabanza ambwirako kubona ayo mafaranga bitakunda.
    mubwirako yafata avance sur salary kandi byashoboka.

    naragiye mbaza ibisabwa byose kuri bank ndaza mbimuzaniye nawe arabyumva kuko we ntuyari azi uko baka credit
    twatse make 5,000,000RWF Turangije dushaka ahantu hahendutse cyane.

    tumaze kwaka inguzanyo amafaranga twasigaranaga yatubanye macye cyane kuburyo twagiye muri clise bituma ayo kunywera abura kuko no Guhaha ubwabyo byatugoraga.

    Twahinduye inzu tujya muya 100,000RWF iyo nzu ninjye wagiye kuyishaka kuko we ntiyari kwemera kuva mu nzu nziza. nyimweretse mubwira uburyo byadufasha aremera kuko nari mfite ayo yampaye kwishyura iyo twabagamo mpita nishyura 2 months.yumva azaba yorohewe kwishyura ubutaha.

    twari yemezaga buri kwezi tukamena ku kibanza ikamyo y’amabuye ya 50,000RWF Nayo namwibaga yasinze ngahita nguramo iyo kamyo y’amabuye amaze ku gwira naje kumubwira ngo tujye ku kibanza asanga kizengurutseho amabuye arumirwa. atangira ku nyumva noneho buri kwezi tukagura imifuka ya sima 2 cg itatu uko twabishoboraga kuko yari amaze kubona ko kubaka bishoboka.

    Twaratangiye kandi njye nta mafaranga nagiraga kuko niwe wakoraga gusa. guhaha nga haha umuceri,Kawunga,Ibishyimo,amavuta,n’amakara ibindi bikagurwa uko uwiteka adushoboje bitaboneka tukarya ibyo.

    Ariko uko mwinjira mu mushinga ayo kunywera arabura.nayi ticket yo kujya mu kazi arabura,imodoka tura parika. ariko ndakubwiza ukuri ko kunywa abiterwa no kutagira icyo akoresha ayo mafaranga.mwinjize mu mishinga. ubu twarangije kubaka yasubiye inzira y’akabari. ndi kumwinginga ngo dufate indi credit.aho kubaho mu businzi wabaho muri clise idashira nibura ejo abana tuzagira icyo tubasigira nubwo njye mbaho nabi kuko nta narimwe mba ntataka amafaranga. ariko ndi munzu nziza.niyo yasinda mba numva hari icyo yakoze

    Murakoze nkwifurije amahirwe masa

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