Kuboneza mu Mikino y’Amahirwe
Gukinisha amafaranga ni imikino ishobora guteza ibyago, aho gusaza no gukena ari byo biba ibyago by’ingenzi bibiri. Ariko, gukurikiza amategeko yoroshye mu gihe ugiye gukina bishobora kugabanya ibyo byago.
Kimwe mu ntego zacu kuri betwinner-rw.com ni uguhugura abakinnyi bacu ku bijyanye no gukinisha amafaranga. Ibi bivuze ko ugomba kumenya ubumenyi bukenewe bwo kwirinda ibiyobyabwenge no kwita ku mikino nka gahunda y’umwanya w’imikino aho kuba ikibi. Ku bw’ibyo, inama eshatu zikurikira zatanzwe ku bakinnyi:
- Genzura neza imari yawe
- Genzura igihe cyawe neza.
- Kina imikino y’amahirwe nk’uburyo bwo kwinezeza gusa
INAMA YA MBERE: Genzura Neza Imari yawe
Gukurikirana neza amafaranga yawe ni uburyo bwiza bwo kwirinda ibibazo byateza ikibazo cyo gukinisha amafaranga no kugabanya ibyago byo gukena bitewe n’imikino y’amahirwe. Hariho uburyo bwinshi bwo gukoresha amafaranga mu kwishyira mu mutekano, nk’uko biri muri iki gice gikurikira.
GENA INGENGO Y’IMARI
Tekereza ku mafaranga uzakenera kubika ku ikubitiro ku bijyanye n’ibikenerwa bya buri munsi (ibiryo, ubwishingizi, ubukode, uburezi, n’ibindi). Iyo ugiye gukinisha amafaranga cyangwa gukora imikino y’amahirwe, wemeza urwego rw’ibyago n’ibyo ushobora gutakaza. Gena umupaka kuri wowe buri munsi, buri cyumweru, ndetse na buri kwezi.
GENA IMIPAKA
Menya amafaranga ushobora kwemera gutakaza, gukoresha, cyangwa gutakaza mu gutega rimwe. Kugira ngo ukomeze kugumana imipaka yawe, birakenewe ko ukoresha uburyo bwo gushyiraho imbibi zitangwa n’abatanga serivisi benshi. Ibi bizatuma birushaho kuba byoroshye kugumana gahunda yawe.
IRINDA GUKORESHA AMAKARITA YA CREDIT MU GUKINA IMIKINO Y’AMAHIRWE
Niba ukina ukoresha amafaranga y’inguzanyo, umukino wawe uzaba ufite ibyago byinshi. Byongeye kandi, ibyo ushobora gutakaza bishobora kubabaza wowe ndetse n’abantu ukunda.
FATA AMAFARANGA WATSINZE
Niba ubona igihembo kinini, birakenewe ko ushyira amafaranga ku ruhande. Nyuma yo kubona inyungu nini, irinde gukina byinshi kuko ibi bishobora kongera ibyago byo gukina amafaranga bikomeretsa. Irinde gutega amafaranga menshi kuko ibi bishobora gutuma ushaka kwishyira mu byago bikomeye.
IRINDA GUKURAMO AMAFARANGA MENSHI MU MABANKI
Saba banki yawe kugabanya amafaranga ushobora gukuramo.
KOMEZA KUGIRA IGAMBA!
Byose birenze, menya gukora gahunda yawe! Wibuke ko niba wafashe umwanzuro wo kugumana ingengo y’imari cyangwa gushyiraho imbibi ku buri cyatewe, ugomba kubikora. Ongera urebe imico yawe mu mikino y’amahirwe: Ese uguma munsi y’umupaka w’ikiguzi wihaye? Ese wubahiriza igihe wihaye? Ni igitekerezo cyiza buri gihe kugisha inama kugira ngo umenye ibyo ushobora gukora ngo wirinde gukina imikino y’amahirwe bitakomeye.
INAMA YA KABIRI: Genzura Igihe cyawe
Abakinnyi bagomba kumenya ingengo y’imari n’ibihe byabo mbere yo kwinjira mu mikino y’amahirwe.
KUKI UKENEYE KUBIKA IBYEREKEYE IGIHE?
Abakinnyi benshi b’imikino y’amahirwe ni n’abafana b’imikino ikomeye bakunda gukurikira amarushanwa. Adrenaline isohoka mu gihe ureba umukino w’imikino, nk’umupira w’amaguru, ishobora guhindura uburyo busanzwe bwo kwitwararika igihe.
Ku bw’ibyo, birashobora no kuba bitoroshye kugumana umwuka w’igihe, cyane cyane niba uhora ushakisha amahirwe meza cyangwa utega mu gihe cy’imikino y’amahirwe iri kuba.
Umukinnyi uri mu kigo cy’imikino y’amahirwe cyangwa umukino wa poker azerekana imyitwarire imwe.
Gukinisha amafaranga menshi bishobora gutuma wibagirwa izindi nzego z’ubuzima bwawe (imyitozo ngororamubiri, imirimo ikora ku kazi, amasomo…). Gukoresha nabi igihe gishobora no kugira ingaruka mbi ku mubano.
NI IKI KIGOMBA KUBAFASHA GUKORA IBYO WIGOMBA?
Ibyo gukoresha isaha yo guhagarika no gushyiraho ibipimo ni bimwe mu bikoresho abatanga serivisi benshi bakoresha kugirango bafashe abakinnyi kumenya uko bamara igihe kinini batera. Niba umuherwe ukunda afite kimwe, gukoresha birashobora kugufasha. Bigufasha gutekereza uburyo ushaka kumara igihe utega mbere kandi bigatuma byoroha gukurikirana amahirwe yawe.
Niba umuherwe ukunda adatanga iyi gahunda, urashobora gukoresha uburyo bworoshye bwitewishyiriyeho ushyiraho umwanya wo kubika igihe cyangwa ukoresha isaha ku cyerekezo cy’umuhanda kugira ngo ukurikirane uko igihe kigiye gikorwa.
Kubarira igihe ushaka gukoresha gukina no kugereranya n’igihe nyacyo wakoze ni indi mpanuro y’ingirakamaro. Urashobora kubara igihe wamaranye mu byumweru bike kugirango ukomeze gukurikirana igihe. Ntukibagirwe gushyiraho igihe wakoze kandi utekereza kandi ugenzura amahirwe ashoboka. Urashobora gushyiraho imipaka y’igihe ku mikino y’amahirwe niba usanga wemeza ko ukoresha igihe kinini ugikora.
BIRANGIRA HE?
Kubera ko igihe kigereranya hagati y’abakinnyi bitandukanye cyane, biragoye kumenya igihe kirenzeho. Hitamo igiciro kidahenze kandi ugishe inama ku gitekerezo cy’inshuti.
Urashobora kugena imipaka witwaje na Centre y’Abanya-Canada yiga ku Gukoresha Ibiyobyabwenge hamwe n’amabwiriza y’Imikino y’amahirwe. Amabwiriza ni umusaruro w’ubushakashatsi bw’imyaka itanu bwashyize hamwe amakuru y’imikino, amakuru yavuye mu bugenzuzi bw’abakinnyi, ndetse n’ibitekerezo by’inzobere. Kugirango ugabanye ibyago byo kugwa mu ngeso mbi z’imikino y’amahirwe, birasabwa kugabanya gukina imikino y’amahirwe ku munsi w’amahirwe gusa buri kwezi.
Mu gihe bidashobora kuba ikibazo niba utera inshuro zirenze urwego rusabwa, birongera ibyago.
INAMA YA GATATU: Gukinisha Imikino y’amahirwe Nk’uburyo bwo kwinezeza gusa
Niba wumva uri mu buyobozi, gukinisha imikino y’amahirwe, kimwe n’ubundi bwoko bw’imikino, birashobora kuba byiza mu rugero.
Birashobora kuba bibabaje cyane iyo utakaje ubugenzuzi bw’umukino wawe ugasanga urimo kugerageza kugaruza amafaranga watakaje.
Kubera ko abantu bamwe batwawe n’imikino y’amahirwe bishobora kubagora kugera ku bindi bikorwa by’ingenzi. Ugomba kumenya ibimenyetso bigaragaza ko iyi mikino itari ibyishimo gusa, nko kwiheba, guhangayika, ibibazo by’amafaranga, ndetse no kubura umubano mwiza.
UBURYO BUGOMBA GUKORWA NIBA UHURA N’ABANDI BABA BAFITE UBUROZI CYANGWA UKABABONA?
Inama yacu ni uguhuza n’ikigo cyibanda ku kuvura no kurwanya uburozi bwo gukina imikino y’amahirwe niba, nubwo wahawe izi nama, gukina imikino y’amahirwe bigize ikibazo.
Ushobora gukoresha iyi link iri hano:
