Inama Nziza zo Gushyiraho Ingengo y’Imari ya Buri Kwezi cyangwa Ukoresha Amafaranga Menshi

yadwontv    10:38    Amafaranga , Ibyo Wamenya   

 Abantu benshi bakeneye uburyo bwo kubona aho amafaranga yabo ajya buri kwezi. Ingengo y'imari irashobora kugufasha kumva ko ufite igenzura ry'imari yawe kandi bigatuma byoroha kuzigama amafaranga yo kugera ku ntego zawe. Igikorwa cy'ingenzi ni ugushaka uburyo bwo gukurikirana imari yawe bukubereye. Intambwe zikurikira zirashobora kugufasha gushyiraho ingengo y'imari.

Intambwe ya 1: Kubara umushahara wawe w'umwimerere

Inkingi y'ingenzi y'ingengo y'imari ikomeye ni umushahara wawe w'umwimerere. Uyu ni umushahara wawe ufata mu ntoki—umushahara wose cyangwa amafaranga uhembwa nyuma yo gukuraho ibikurwaho birimo imisoro n'ibindi bikorwa utangirwa n'umukoresha nk'ibikorwa byo kwizigamira mu kiruhuko cyangwa ubwishingizi bw'ubuzima. Kwibanda ku mushahara wose aho kwibanda ku mushahara w'umwimerere birashobora gutuma ukoresha amafaranga arenze kuko uzatekereza ko ufite amafaranga menshi kurusha uko ufite. Niba ukora nk'umufreelancer, umukozi ku gikorwa runaka, umunyabugeni cyangwa ukora ku giti cyawe, ibuka gufata inyandiko z'ibirambuye z'amasezerano yawe n'uko uhemberwa kugira ngo ubashe kugenzura umushahara udahoraho.

Intambwe ya 2: Gukurikirana uko ukoresha amafaranga

Nimara kumenya amafaranga winjiza, intambwe ikurikira ni ukureba aho ajya. Gukurikirana no gushyira mu byiciro uko ukoresha amafaranga birashobora kugufasha kumenya ibyo ukoresha amafaranga menshi no kureba aho ushobora kwizigamira byoroshye.

Tangira wandika ibyo ukoresha bihoraho buri kwezi. Aha harimo imyenda isabwa buri kwezi nka ubukode cyangwa inguzanyo y'inzu, amafaranga y'ibikorwa remezo n'ubwishyu bw'imodoka. Nyuma yandike ibyo ukoresha bihindagurika—ibyo bishobora guhinduka buri kwezi, nko kugura ibiribwa, lisansi n'ibirori. Aha ni ho ushobora kubona amahirwe yo kugabanya amafaranga ukoresha. Inyandiko z'ikarita y'ikarita y'inguzanyo n'iz'amabanki ni ahantu heza ho gutangirira kuko akenshi birangira cyangwa bikagushyira mu byiciro uko ukoresha buri kwezi.

Andika uko ukoresha buri munsi ukoresheje ikintu icyo ari cyo cyose cyoroshye—ikaramu n'urupapuro, porogaramu cyangwa terefone igendanwa, cyangwa imbonerahamwe cyangwa impapuro za budget ziboneka ku murongo.

Intambwe ya 3: Shyiraho intego zifatika

Mbere yo gutangira gusuzuma amakuru wakurikiranye, banza ukore urutonde rw'intego zawe z’igihe gito n'iz’igihe kirekire z'imari. Intego z'igihe gito zigomba gufata hagati y'umwaka umwe kugeza kuri itatu kugira ngo uzigereho, kandi zishobora kubamo ibintu nko gushyiraho ingengo y’imari y'ubutabazi cyangwa kwishyura imyenda y'ikarita y’inguzanyo. Intego z’igihe kirekire, nko kuzigamira izabukuru cyangwa kwiga kw’umwana wawe, zishobora gufata imyaka myinshi kugira ngo uzigereho. Ibuka, intego zawe ntizigomba kuba zihamye nk’ibuye, ariko kuziranga birashobora kugufasha kugira ubushake bwo kuguma ku ngengo y’imari yawe. Urugero, birashobora kuba byoroshye kugabanya uko ukoresha amafaranga niba uzi ko uri kuzigama amafaranga yo kujya mu biruhuko.

Intambwe ya 4: Gira gahunda

Aha ni ho byose bihurira: Ibyo ukoresha amafaranga mu by'ukuri ugereranije n'ibyo wifuza gukoresha. Koresha amafaranga ahindagurika n'ahoraho wakusanyije kugira ngo ubone ishusho y'uko uzakoresha amafaranga mu mezi ari imbere. Hanyuma, gereranya ibyo n’umushahara wawe w’umwaka n'ibyo uha agaciro. Tekereza gushyiraho imbibi zihariye kandi zifatika zo gukoresha amafaranga mu byiciro byose by'amafaranga.

Ushobora guhitamo no gusobanura neza uko ukoresha amafaranga, hagati y'ibintu ukeneye kugira n'ibintu ushaka kugira. Urugero, niba ujya ku kazi buri munsi utwaye imodoka, lisansi iba ari ikintu ukeneye. Ariko, kwishyura buri kwezi serivisi y'umuziki bishobora kuba ikintu ushaka. Iyi mpinduka iba ingenzi cyane igihe uri gushaka uburyo bwo kuyobora amafaranga ku ntego zawe z'imari.

Intambwe ya 5: Hindura uburyo ukoresha amafaranga kugirango uhore ku ntego zawe

Noneho ko umaze kwandika umushahara wawe n'ibyo ukoresha, ushobora gukora impinduka zikenewe kugirango utazarenza urugero kandi ugire amafaranga yo gushyira ku ntego zawe. Reba ku byo wifuza nk'ahantu ha mbere ho kugabanya amafaranga. Ushobora kureka kujya kureba film mu nzu mberabyombi ugahitamo kureba film mu rugo? Niba umaze guhindura uburyo ukoresha amafaranga ku byifuzo, reba neza uko ukoresha amafaranga ku bishyura buri kwezi. Iyo usuzumye neza, ikintu utekereza ko ukeneye gishobora kuba ari ikintu ugoye kureka.

Niba imibare idahuye, reba uburyo bwo guhindura amafaranga ukoresha ku bintu by'ingenzi. Urugero, ushobora kuzigama menshi uramutse ugereranyije ibiciro by'ubwishingizi bw'imodoka cyangwa ubw'inzu? Ibyo byemezo bifite ingaruka zikomeye, bityo, ugomba kubitekerezaho neza urebye amahitamo ufite.

Wibuke ko n'ibizigama bito bishobora kugwira bikaba amafaranga menshi. Ushobora gutungurwa n'ukuntu ushobora gukusanya amafaranga y'inyongera mu gihe ukoze impinduka ntoya imwe rimwe.

 Intambwe ya 6: Gusuzuma ingengo y’imari yawe kenshi

Niba umaze gushyiraho ingengo y’imari yawe, ni ngombwa kuyisuzuma no gusuzuma uburyo ukoresha amafaranga buri gihe kugira ngo umenye neza ko uri ku murongo. Ibintu bike mu ngengo y’imari yawe biba bihamye: Ushobora kubona umushahara wiyongereye, amafaranga ukoresha akaba yahinduka cyangwa ushobora kugera ku ntego ugashaka kugena indi nshya. Icyo aricyo cyose, komeza umuco wo kugenzura ingengo y’imari yawe kenshi ukurikije intambwe zavuzwe haruguru.