IGICE CYA 19

Nacunga nte amafaranga yanjye?

Ese ujya wumva ko amafaranga ufite adahagije?

□ Nta na rimwe

□ Rimwe na rimwe

□ Kenshi

Ese ujya ugura ibintu bidahuje n’ubushobozi bwawe?

□ Nta na rimwe

□ Rimwe na rimwe

□ Kenshi

Ese ujya ugura ibintu utari ukeneye, ukabigurira gusa ko byagabanyirijwe ibiciro?

□ Nta na rimwe

□ Rimwe na rimwe

□ Kenshi

ESE ujya wumva udafite amafaranga ahagije yo kugura ibyo ukeneye? Ushobora kuba ujya wibwira uti ‘ngize aho nkura andi mafaranga, nagura telefoni nifuza.’ ‘Baramutse banyongereye umushahara, nagura za nkweto nashakaga.’ Cyangwa ushobora kumva umeze nka Joan, wavuze ati “rimwe na rimwe incuti zanjye zirantumira ngo tujyane kwishimisha, ariko bidutwara amafaranga menshi. Mba nifuza kujyana na bo ngo twishimane. Nta muntu wifuza kutajyana n’abandi bitewe n’uko gusa nta mafaranga afite.”

Aho guhangayikishwa n’amafaranga udafite, ukwiriye kwitoza gucunga ayo ufite. Hari igihe wakumva ko uzitoza kuyacunga ari uko utakibana n’ababyeyi bawe. Ariko banza utekereze: ubwo wasimbuka uva mu ndege utarabanje kwiga kumanukira mu mutaka? Ahari wenda wapfa kwiga uko bawukoresha mu gihe ukiri mu kirere uhanuka ugana ku butaka. Ariko se ntibyarushaho kuba byiza warabanje kumenya bimwe mu bintu by’ibanze bijyana no kuwumanukiramo, mbere yo gusimbuka uva mu ndege?

Mu buryo nk’ubwo, iyo ukibana n’ababyeyi bawe ni cyo gihe cyiza cyo kwiga gucunga amafaranga mbere y’uko uhura n’ibibazo bikomeye mu buzima, igihe uzaba ugomba kwibeshaho. Umwami Salomo yavuze ko “amafaranga ari uburinzi” (Umubwiriza 7:12). Ariko kandi, amafaranga yakubera uburinzi ari uko witoje kuyakoresha neza. Nubigenza utyo, ababyeyi bawe bazarushaho kukugirira icyizere kandi bakubahe.

Ibyo ukwiriye kubanza kumenya

Ese wigeze ubaza ababyeyi bawe ngo bagusobanurire icyo bakora kugira ngo mubone ikibatunga? Urugero, ese uzi amafaranga bishyura umuriro n’amazi buri kwezi? Ese uzi ayo bakoresha bagura lisansi, bahaha, bakodesha inzu cyangwa bishyura umwenda wa banki? Zirikana ko nawe uri mu bishyurirwa ibyo byose, kandi ko igihe uzaba utakiba iwanyu ari wowe uzajya ubyiyishyurira. Ibyo bishobora kugufasha kumenya amafaranga uzajya ukoresha igihe uzaba wibana. Baza ababyeyi bawe, bagusobanurire uko bakoresha amafaranga bishyura ibintu bimwe na bimwe, kandi ubatege amatwi mu gihe bagusobanurira uko bayakoresha.

Hari umugani wo muri Bibiliya ugira uti “umunyabwenge atega amatwi akarushaho kumenya, kandi umuhanga ni we ubona ubuyobozi burangwa n’ubwenge” (Imigani 1:5). Anna yagishije inama ababyeyi be. Yaravuze ati “papa yanyigishije gucunga amafaranga kandi anyereka akamaro ko kugira gahunda mu bijyanye no gucunga amafaranga atunga urugo.”

Nanone kandi, mama we yamugiriye inama z’ingirakamaro. Anna yaravuze ati “mama yanyeretse akamaro ko kubanza kugereranya ibiciro mbere yo kugira icyo ngura. Mama yashoboraga kugura ibintu byinshi mu mafaranga make cyane.” Ibyo byamariye iki Anna? Yaravuze ati “ubu nsigaye nzi gucunga amafaranga yanjye. Namenye gukoresha neza amafaranga, ku buryo nta we mbereyemo umwenda. Ibyo bimpesha amahoro yo mu mutima azanwa no kwirinda imyenda itari ngombwa.”

Ibibazo ushobora guhura na byo

Tuvugishije ukuri, kuvuga uko wakoresha neza amafaranga biroroshye kuruta kubikora. Ibyo ni ukuri cyane cyane niba ukiba iwanyu, hakaba hari amafaranga iwanyu baguha cyangwa ufite umushahara ukorera. Kubera iki? Kubera ko ababyeyi bawe ari bo batanga amafaranga hafi ya yose akoreshwa mu rugo. Ibyo bituma amenshi mu mafaranga ubona uyakoresha uko ushaka. Nanone kandi, wumva wishimiye kuyakoresha.

Icyakora, ibibazo bivuka iyo hari bagenzi bawe batuma ukoresha amafaranga menshi. Umukobwa witwa Ellena, ufite imyaka 21, yaravuze ati “usanga incuti zanjye zibona ko kujya kugura ibintu ari uburyo bwo kwishimisha. Iyo twajyanye, ni nk’aho kugira ngo umuntu yishime aba agomba gukoresha amafaranga menshi.”

Kumva ushaka kumera nk’abandi ni ibintu bisanzwe. Ariko ushobora kwibaza uti ‘ese aya mafaranga nkoresha iyo ndi kumwe n’incuti zanjye, nyakoresha kuko n’ubundi mba nyafite cyangwa mba nshaka kwemerwa n’incuti zanjye?’ Hari abantu benshi bakoresha amafaranga yabo uko biboneye, kugira ngo bemerwe n’incuti zabo cyangwa abandi baba bari kumwe na bo. Baba bashaka ko abantu babemera bitewe n’ibyo batunze aho kuba abo bari bo. Nawe uramutse witwaye nka bo bishobora kugukururira ibibazo byinshi, cyane cyane niba ugomba kuguza amafaranga. None se wabyirinda ute?

Menya uko wakoresha neza amafaranga

None se aho kugira ngo umare amafaranga yose ufite mu ijoro rimwe, kuki utakwigana urugero rwa Ellena? Yaravuze ati “iyo nasohokanye n’incuti zanjye, nteganya mbere y’igihe amafaranga ntari burenze. Kubera ko umushahara wanjye unyura muri banki, uwo mugoroba ndagenda ngafata ayo nkeneye gusa. Nanone iyo hari ibyo ngiye kugura, njyana n’incuti zanjye zikoresha neza amafaranga kandi zishobora kumfasha kubanza kugereranya ibiciro mbere yo kwishyura. Ibyo biramfasha cyane.”

Dore zimwe mu nama zishobora kugufasha niba ugiye gufata umwenda.

● Reba aho wandika amafaranga ugujije kandi urebe neza niba ahuje n’ayo uwakugurije yanditse.

● Kora uko ushoboye wishyure uwo mwenda ukimara kubona amafaranga. Niba bishoboka ishyura uwo mwenda wose.

● Jya uba maso mu gihe uguza amafaranga. Ntugapfe kuyaguza uwo ubonye wese.

● Ntukaguze amafaranga umuntu uzakwaka inyungu, kuko ibyo bishobora gutuma urushaho guhangayika.

● Ntuzigere na rimwe wemera ko hari umuntu uguza amafaranga mu izina ryawe, nubwo yaba ari incuti yawe.

Ese kugira amafaranga menshi si byo byagukemurira ibibazo by’amafaranga byose wari ufite? Oya rwose. Reka dufate urugero: tuvuge ko utwaye imodoka ariko ukaba wipfutse igitambaro mu maso, ese kongeramo lisansi ni byo byatuma ugera iyo ujya nta kibazo? Mu buryo nk’ubwo, kugira amafaranga menshi nta cyo byakumarira niba utazi kuyakoresha neza.

Ushobora kuba utekereza ko ukoresha neza amafaranga yawe. Ariko ushobora kwibaza uti ‘mu kwezi gushize nakoresheje amafaranga angahe? Nayaguzemo iki?’ Ese urumva utabyibuka? Dore zimwe mu nama zagufasha kumenya gucunga amafaranga yawe.

1. Gira aho wandika. Andika byibura mu kwezi kumwe amafaranga wagiye ubona, wandike n’itariki wayaboneyeho. Andika ikintu cyose uguze n’igiciro cyacyo. Ku mpera z’ukwezi, andika amafaranga wabonye n’ayo wakoresheje.

2. Andika uko uzakoresha amafaranga. Reba imbonerahamwe iri ku ipaji ya 163. Mu nkingi ya mbere, handike amafaranga witeze kubona mu kwezi. Mu nkingi ya kabiri, garagaza uko uzakoresha ayo mafaranga ukurikije ibyo wanditse mu kwezi gushize (reba inama ya mbere igira iti “Gira aho wandika”). Uko iminsi y’ukwezi igenda ishira, andika mu nkingi ya gatatu amafaranga nyayo watanze kuri buri kintu wari wateganyije. Nanone wandike ibintu watanzeho amafaranga kandi utari warabiteganyije.

3. Hindura uko wakoreshaga amafaranga. Niba ukoresha amafaranga arenze ayo wari warateganyije kugura ibintu, bigatuma ujyamo imyenda myinshi, ukwiriye kwisubiraho. Ishyura iyo myenda kandi ugenzure neza uko ukoresha amafaranga.

Iyo ukoresheje amafaranga uko bikwiriye, akugirira akamaro. Mu mico imwe n’imwe, gukorera amafaranga no kuyacunga ni ikintu gihabwa agaciro cyane. Icyakora ukwiriye gushyira mu gaciro. Umuhungu w’ingimbi witwa Matthew yaravuze ati “amafaranga afite agaciro, ariko si yo kamara. Ntidukwiriye kuyarutisha abagize umuryango cyangwa Yehova.”

UMURONGO W’IFATIZO

‘Amafaranga ni uburinzi; ariko icyiza cy’ubumenyi ni uko iyo buri kumwe n’ubwenge burinda ubuzima bw’ababufite.’—Umubwiriza 7:12.

INAMA

Mbere yo kujya kugura ibintu, banza ukore urutonde rw’ibyo uteganya kugura. Jya witwaza gusa amafaranga uri bukoreshe kandi ugure ibyo washyize kuri urwo rutonde.

ESE WARI UBIZI . . . ?

Reka tuvuge ko ufite umwenda wa banki ungana n’amafaranga 1.190.000 Frw, kandi ukaba ugomba kuwishyura wongeyeho 18,5 ku ijana by’inyungu. Ugiye wishyura make ashoboka wazarangiza kuwishyura nyuma y’imyaka 11, kandi ku mafaranga wagurijwe ukongeraho inyungu ingana na 1.150.730 Frw.

ICYO NIYEMEJE GUKORA

Dore icyo nzakora kugira ngo menye gukoresha neza amafaranga: ․․․․․

Mbere yo gufata umwenda nzajya: ․․․․․

Icyo nifuza kubaza ababyeyi banjye kuri iyi ngingo ni iki: ․․․․․

UBITEKEREZAHO IKI?

● Kuki ukwiriye kwiga gucunga amafaranga yawe ukiri iwanyu?

● Kuki gucunga amafaranga yawe bishobora kukugora?

● Wakoresha ute amafaranga ufasha abandi?

[Amagambo yatsindagirijwe yo ku ipaji ya 162]

“Iyo nanditse amafaranga nteganya gukoresha, ngira ayo nsagura. Bindinda kugura ibintu ntakeneye.”—Leah

Agasanduku ko ku ipaji ya 158

agaragaza uwo uri we

Ukoresha iki amafaranga yawe? Niba ukunze kuyakoresha ufasha abandi, nubwo utagira icyo uvuga, amafaranga yawe aba agaragaje ko wita ku bandi ubikuye ku mutima (Yakobo 2:14-17). Iyo ugiye uyatanga ho impano zo gushyigikira umurimo wa Yehova, uba ‘umwubahisha ibintu byawe by’agaciro’ (Imigani 3:9). Ariko se niba amafaranga yawe uyakoresha buri gihe mu nyungu zawe gusa, bigaragaza ko uri muntu ki?

[Imbonerahamwe/​Amafoto yo ku ipaji ya 163]

Urupapuro rw’imyitozo

Amafaranga nzakoresha mu kwezi

Kora kopi y’iyi paji

AYO NINJIZA

AKAZI K’IGIHE GITO

IBINDI

Igiteranyo

Frw․․․․․

Ayo nteganya gukoresha

IBYOKURYA

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IMYAMBARO

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TELEFONI

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IMYIDAGADURO

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IMPANO

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AYO NZIGAMA

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IBINDI

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Igiteranyo

Frw․․․․․

Ayo nkoresha

IBYOKURYA

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IMYAMBARO

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TELEFONI

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IMYIDAGADURO

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IMPANO

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AYO NZIGAMA

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IBINDI

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Igiteranyo

Frw ․․․․․

[Ifoto yo ku ipaji ya 160]

Gutagaguza amafaranga ni nko gutwara imodoka wipfutse igitambaro mu maso