Yanditswe na Bright Musuamba –
Umuyobozi w’Imishinga mu kigo, ProsperityME

Uko nagendaga nkura nashoboraga kumenya icyababyeyi banjye batekereza mu gihe tuvuze amafaranga. Natekerezaga ko uko bakora biri mu mucyo kuko namenyaga ko twakennye cg se byifashe neza mu rugo. Kenshi nabashaga kwibwira niba ari igihe cyiza cyo kwaka amafaranga yo kwikenura ngiye ku ishuri. Mu bitekerezo byanjye nkeka ko amafaranga ari ikintu umuryango ugomba kuganiraho. Amafaranga aganirwaho ariko bitari mu buryo bwimbitse. Kuganira ku mafaranga ndetse na gahunda zo kuyakoresha bituma habaho kubahana ndetse no kwizerana. Bishobora gufasha buri wese gupanga uko azagera ku nzozi ze.

Mu bitekerezo byanjye nkeka ko amafaranga ari ikintu umuryango ugomba kuganiraho. Amafaranga aganirwaho ariko bitari mu buryo bwimbitse. Kuganira ku mafaranga ndetse na gahunda zo kuyakoresha bituma habaho kubahana ndetse no kwizerana. Bishobora gufasha buri wese gupanga uko azagera ku nzozi ze.

Nkeka ko hari ibintu bitatu imiryango n’urubyiruko bakwiye kwitoza kuganira mu gihe bubaka ejo hazaza kubijyanye n’amafaranga.

1. Birakwiye ko havaho ubwoba bubuza kuganira ku mafaranga hagati y’ababyeyi n’abana. Kuba ababyeyi baganira n’abana ntibivuze ko bari kubashyiraho umutwaro. Bisobanuye ko uri kubategurira kumenya ingingo zireba umuryango wabo.

2. Bana mugire amatsiko ndetse mwige kandi mubaza ibibazo. Ni kenshi abakiri bato twirinda kwinjira mu ngingo dukunda kwita ko ari izabakuze. Siko bikwiye kugenda kuko kuganira ku ngingo twita izikomeye bishobora kutugirira akamaro mu gihe kizaza. Ababyeyi banjye banyigishije ubumenyi nubu ngikoresha. Banyigishije uko bakora ingengoyimari uko bazigama ndetse n’agaciro k’amafaranga umuntu aba yavunikiye. Ubu bumenyi buduha ibanze muri iyi si ishingiye k’uwifite.’

3. Babyeyi nimwiminjiremo agafu mwigishe abana ibirebana n’imari. Nk’abimukira tuza muri Amerika aho twiga byose uhereye kuri zeru. Tugomba kwiga uko bazigama ndetse no kwaka inguzanyo. Uko bubaka ikiranga ko wafashe inguzanyo ukazishyura neza-Credit History byose bikadufasha kutagwa mu mutego w’amadeni y’umurengera cg se imyanzuro igayitse mu gucunga umutungo. Mubyo nigishijwe harimo ko amafaranga atamera ku giti ibi bikaba bivuze ko namenye ibijyanye n’amafaranga nkiri muto. Kugira umwidegembyo mu bukungu bwanjye niyo ntego mfite ariko kuri iyi saha ndaharanira kubaka kugira imari irimo gutekana.

Vuba aha nakoze ibazwa ryerekana uwo naba ndiwe bishingiye ku mafaranga. Nagiye mu kiciro bita “Stockpiler” aha nkaba nkeka ko rwose ikiciro nagiyemo aricyo neza. Ndashimira ababyeyi banjye kuko ndi wa muntu utangiza amafaranga kandi nkateganyiriza ejo. Kubera uwo muco wanjye bituma no mu muryango njya mbagoboka ni ubwo ndi bucura. Baziko bashobora kungirira ikizere nkaba nabika amafaranga runaka, kuyashora mu kintu runaka cg se bakanganiriza iyo bashaka kugisha inama ku mafaranga. Ndishimye cyane kandi ntewe ishema no gufasha umuryango wanjye cyane nk’uwukibyiruka ndetse by’umwihariko w’umwimukira. Ubumenyi bwose ngize mbusangira n’umuryango wanjye kugirango tuzamukane mu iterambere.

Dufite ububasha muri twe kandi dushobora kugera kuri byinshi mu gihe dukomeje kwihugura no kumenya amakuru agezweho. Iby’Imari ntibikwiye kugiri uwo bitera ubwoba ahubwo bikwiye kudukangurira kujya imbere ndetse no kugira akanyabugabo ko kugira indoto. Byose birashoboka igihe twe tutiheje.

Menya Umwanditsi : Bright ni umukongomani waje mu gace ka Lewiston mu myaka itanu ishize hamwe n’umuryango we. Bright avuga indimi eshatu akaba akunda gufasha abantu kuzamuka kumenya kwiga abicishije mu kazi akora mu kigo cya ProsperityME. Bright yumva imibereho ye yemeranya n’ijambo Maya Angelou yanditse rigira riti Intego yanjye mu buzima si ukubaho ahubwo ni uguharanira kubaho nkabikora mbikunze, nkunda abandi, nshyenga kandi mu buryo bunoze.

Ushaka kumenya ibirebana no gufashwa kuzamuka mu by’imari wakwandikira Bright kuri [email protected]