uburyo bwizewe bwuburyo wabika amafaranga

yadwontv    11:03    Amafaranga , Ibyo Wamenya   

 

1. Kandamiza ibyago byawe

    Igihe cyo kumenyesha ni ugufata bimwe mu byo wemerewe gukurikirana icyangombwa cy’amafaranga kugirango ujye ubanza kugurisha amafaranga. Reka dufate igitsina cy’ibyo uteka. Kandamiza ibyago byawe buri cyumweru—ngyo zibera amakofi yose, ibyuma by’umuryango, amafaranga udukuramo kandi akariso y’amashuri menshi. Kandamiza ibyago byawe ikintu cyoroshye gikunze—a pencil na papayi, isipure y’amavuta cyangwa itegeko rya rimwe ku rubuga rw’ibihangano cyangwa ikigendiyere kibi cyangwa ikoranabuhanga cy’amashuri menshi cyangwa ikiyobo kibi. Ese urebwa n’ibyangombwa byawe by’ikariso cy’ikiringa n’imiryango y’ikiringa kugirango uhambiremo ibyo wemerewe gukurikirana.

2. Tanga kurinda mu bujiji bwawe

    Ubu uri kumenyesha icyangombwa ufite mu minsi, ushobora kubyara ibujiji. Ibuhebu bwawe buhagarika icyangombwa cyawe kuri ubwo butumire ku mafaranga wakoresheye, kugirango wemerewe gukora icyubahiro cyawe kandi ushakira kugira icyo wiyemeza gukurikirana. Urebe gukurikirana abafite ikipe nyinshi muri iryo bujiji bwawe kandi ukwemeza kugura mafaranga kuri wewe. Ushobora gukora icyubahiro cy’ibirahure mu bujiji bwawe kandi utinya kugura mafaranga kugirango ari byo bihuriye.

3. Guhindura uburyo bw’igendere

    Muramenye ushobora ntabwo ukurinda byinshi ufite icyemezo, byaba byiza kuba wemera kwirinda ku ibikorwa usaba icyangombwa cyawe. Kurinda ibindi biranga kuri ubwo bujiji bwawe, byitangaje kandi usaba kugirango ugereranwe ku gihe ku gihe. Ibintu byo kuvugurura ku isi kugirango ushobore kumenyekana n’ibyo wemerewe kwishyura ibihe bihora:

    Gutahe indimi cyangwa ibiranga

    Kora ibitekerezo, nk’abandi, kugirango utazishyura cyangwa urashobora kuzishyura nini.

    Ibuka ibice byo kubonana no gukora indirimbo

    Zira izindi zirimo mu mafaranga y’amavuta, kugirango ushobore kuzakuramo kandi umwaka wakoresheje.

    Jya ukururana iyo waguramo

    Ku munsi mwiza, ushakira kwihaza mu rugo, kandi ukangura amasaha y’ibyiza bya rumanura mu ishati.

    Genda ugure uko wemerewe gushaka

    Uraba ubona icyumweru cy’igikorwa cy’igisubizo, ushobora kwemera kugaruka ku ibindi. Ushobora gukora icyubahiro cyo gukura kugirango ushakira kugura ibyo.

4. Subiza ibyubahiro

    Ibiranga byiza kugirango utore amafaranga ni kugirango ubanze icyifuzo. Ubyironda kugirango utazumva icyifuzo ufite—bya cyangwa bihe byihariye (umwaka umwe ku mwaka witwa igihe ari icya nderabuzima), gusuzugura cyangwa igitaka cy’igare. Ubyironda icyifuzo gikomeye kugirango utazumva icyo wemerewe kugura kandi icyo wemerewe kugura.

    Ibintu byihariye ku mirenge irenga

    Uruko rwawe rw’ibyerekana kandi igihugu cyawe gikiri ku mafaranga yawe, ni byo bikubera kandi ukurinda ibyo wemerewe gukora. Buriya ni ukwibwira uko urushyiraho kugirango urwemere icyo wemerewe.

5. Anganira icyifuzo cy’umugambi wawe

    Nyuma y’amafaranga yawe n’ubusanzwe, icyifuzo cyawe cyemerera kuba na gato ku biranga icyo wemerewe kugurikirana. Kandi urugero, iyo utabizi kugura gahunda y’igare, ubanza ugerageza kugira amafaranga kugirango urebe imodoka yawe. Ahubwo, urebe icyifuzo cy’igare cyangwa icyifuzo cy’igisubizo—ni byo bihuriye kugurisha ibyiza bikomeye. Guhindura icyifuzo cyawe cyo kugurisha kugira ngo wibone uko ukurinda icyifuzo cyawe.

6.Hitamo ibyandikwa byiza

Hari amabwiriza ashobora kugira icyemezo cyo kugurisha cyifuzo cy'amafaranga y'igare n'ikinini. Ntabwo waba ufite gusaba umwe wese. Reka wibuke kugirango urebe neza ibyandikwa byose uzi cyane, kandi wibuke ibibazo bimeze nk'amafaranga y'ikinini, imisoro, amatora y'icyangombwa, ihutirwa, kandi uko ubemerewe gukura icyifuzo kugirango urebe icyifuzo gishya cyo kugura ibyiza.

Ibikorwa by'igare

Ushobora kugira icyemezo cyo gushaka ibyifuzo by'igare cg iby'igare kugirango ubone icyemerewe. Kugirango ugakorerwe icyifuzo wemerewe kwitwa gato cyangwa ushaka kumenya icyo wemerewe kugura ibyo bifite:

Igisaka cy'ubufatanye

Umutwe w'itike ya cash (CD), usanzwe uguramo amafaranga yawe kugirango ufite icyatumye uwumva ku gipimo cyangwa ari cyo cyatumye umuguzi we ufite icyemezo kugirango utabazaga. 

Ibikorwa by'igare

Ushobora kugura kugirango ugemere amafaranga yawe cyangwa ikorabu.

Ibyifuzo by'igare

Ibyo ufite icyifuzo byo kugurisha kugirango wibona ibyifuzo byawe kugirango ugemere kandi urebe icyemerewe.

Ibiranga by'igare

Niba ushaka kugura kugirango urebe icyemerewe kugura icyo wemerewe cyangwa icyo wemerewe cy'igare, hagarika:

FDIC-insured individual retirement accounts (IRAs) cyangwa 529 plans, izo ni ibanki zitandukanye zibugarije ibibazo by'amafaranga kandi zibigereranya ikiciro gishya cy'icyemerewe.

Securities, nk'amabonasi cg amafaranga yo mu by'igare. Ibikorwa by'igare bigizwe kugirango ugure cyangwa ugure. Ayo mashuri akoresha ari ibikorwa by'amabonasi byo mu by'igare kugirango uyigume cyangwa uyitabire cg uyitege.

7.Kora kurinda kigufi(Make saving automatic)

Imbanki zose zibugarije gushaka amafaranga kugirango uzicure mu gitondo cyangwa gukora ibindi bikorwa. Ushobora gukoresha icyaha cyangwa ubona imbere ukaba wemera gutegeka icyangombwa cyangwa igihe, ibyo wemerewe cyangwa usaba icyemerewe kandi kuba icyemerewe cyangwa icyemerewe cy'icyemerewe cy'icyangombwa cyane kugirango uhagarare icyemerewe kugirango umugore we agerageze mu gitondo cyawe. Ihembo: Ntabwo ushaka kumenya icyo ushaka gukora, n'umugore we ugakomeza icyemerewe. Ibikorwa bikomeye cyangwa ibikorwa by'ubuzima biri hafi uko ibyo wemerewe kugurisha kandi ugahomba.