Ibintu 6 Bituma Abagabo Benshi Bakomeza Kuba Abakene Nubwo Bakora Cyane – Isomo Rikomeye ku Buzima
Mu buzima bw’uyu munsi, usanga abagabo benshi bakora cyane, babyuka kare, bakirirwa baharanira imibereho yabo n’iy’imiryango yabo. Ariko nubwo baba bafite umuhate, akenshi usanga baguma mu buzima bwo kubura amafaranga, guhora mu madeni cyangwa kutabasha gutera imbere mu bukungu. Ibi bituma bamwe bibaza bati: “Ese kuki nkora cyane ariko amafaranga ntayabona?” cyangwa se “Ni iki gituma ngerageza byinshi ariko ntagera ku ntsinzi?”
Ukuri ni uko ubukene cyangwa guhora mu buzima bwo kubura amafaranga akenshi bidaturuka ku kuba umuntu adakora. Kenshi bituruka ku myitwarire, imitekerereze n’imyanzuro umuntu afata buri munsi. Hari ibintu bimwe na bimwe abantu bakora batabizi bikomeza kubasubiza inyuma mu bukungu.
Muri iyi nkuru tugiye gusobanura ibintu 6 bikunze gutuma abagabo benshi bakomeza kuba abakene cyangwa bagahora mu buzima bwo guhangana n’ibibazo by’amafaranga, ndetse tunasobanure uburyo umuntu yabivamo agatangira urugendo rwo gutera imbere.
1. Kubaho Ushaka Gushimisha Abandi (Living to Impress Others)
Kimwe mu bintu bikunze gutuma abagabo benshi baguma mu bukene ni kubaho bashaka gushimisha abandi bantu aho kubaho bashyira imbere ejo hazaza habo.
Hari abagabo bagura imyenda ihenze cyane, telefone zihenze, imodoka cyangwa ibintu byiza cyane kurusha ubushobozi bwabo. Ibi babikora bashaka ko abantu bababona nk’abakire cyangwa nk’abageze ku rwego rwo hejuru mu buzima.
Ariko ikibazo ni uko akenshi ibyo bintu baba baguze babikoresha amafaranga badafite cyangwa bakayagurira ku madeni. Mu gihe gito, bishobora gutuma abandi bababona nk’abantu bafite ubuzima bwiza, ariko mu by’ukuri baba bari kwiyongerera umutwaro w’ibibazo by’amafaranga.
Abahanga mu bukungu bavuga ko umuntu wifuza gutera imbere agomba kubaho munsi y’ubushobozi bwe, aho kubaho arushaho gukoresha amafaranga ashaka kugaragaza ubukire butariho.
Urugero, niba umuntu yinjiza amafaranga make, ni byiza ko yiga kubaho mu buryo bworoheje, agateganya ejo hazaza he aho kwirukira ibintu by’igihe gito.
Kubaho ushaka gushimisha abantu bishobora kugutwara imyaka myinshi y’akazi katoroshye utarabasha kwizigamira cyangwa gukora ishoramari. Mu gihe abandi baba batangiye kwiyubakira umutungo, wowe uba ugihanganye n’imyenda n’ibibazo by’amafaranga.
2. Kubura Imyitwarire Myiza mu Gucunga Amafaranga (No Financial Discipline)
Ikindi kintu gikomeye gituma abantu benshi baguma mu bukene ni kubura disipuline mu micungire y’amafaranga.
Hari abantu benshi iyo amafaranga yinjiye mu ntoki zabo, asohoka uwo munsi cyangwa mu minsi mike cyane. Nta gahunda yo kwizigamira, nta gahunda yo gushora imari, nta n’igenamigambi ry’amafaranga.
Iyo umuntu akoresha amafaranga yose abonye nta cyo asigaje, aba ari kwiyima amahirwe yo kubaka ejo hazaza he.
Abantu benshi bakize ku isi ntibakize kubera ko binjiza amafaranga menshi gusa, ahubwo bakize kubera ko bazi kuyacunga neza.
Gucunga neza amafaranga bisaba ibintu bikurikira:
Kugira ingengo y’imari (budget)
Kwizigamira buri kwezi
Kwirinda gukoresha amafaranga mu bintu bitari ngombwa
Gushora amafaranga mu bintu byunguka
Iyo umuntu atangiye kugira disipuline mu micungire y’amafaranga, n’iyo yaba atinjiza amafaranga menshi ashobora gutangira kubaka ubuzima bwiza mu bukungu.
3. Inshuti Mbi (Wrong Friends)
Hari umugani uvuga ngo “Mbwira uwo mugendana nkubwire uwo uri we.” Ibi bigaragaza ko inshuti z’umuntu zigira uruhare runini mu mibereho ye.
Hari abagabo baguma mu bukene kubera inshuti bagirana na zo. Iyo inshuti ari abantu bahora bashaka kwishimisha gusa, batatekereza ejo hazaza, bakoresha amafaranga mu nzoga, mu birori no mu bindi bidafite umumaro – akenshi n’uwo muntu bamujyana muri uwo murongo.
Inshuti mbi zishobora kugukururira mu myitwarire ituma ukoresha amafaranga menshi kurusha ayo winjiza.
Urugero:
Kujya mu tubari buri gihe
Gukoresha amafaranga mu byishimo bya buri munsi
Kudaha agaciro kwizigamira cyangwa gukora imishinga
Ariko iyo umuntu agize inshuti zifite intego, zikunda gukora, ziga ibintu bishya kandi zifite gahunda yo gutera imbere, na we bituma atera imbere.
Inshuti nziza zigutera imbaraga zo gutekereza neza, gukora cyane no gutegura ejo hazaza.
4. Kutita ku Kwiteza Imbere (Ignoring Self-Development)
Mu isi y’uyu munsi ihinduka buri munsi, kwiga no kwiteza imbere ni ingenzi cyane. Iyo umuntu ahagaritse kwiga ibintu bishya, amahirwe yo kongera amafaranga na yo ahagarara.
Abagabo benshi baguma mu kazi kamwe imyaka myinshi badafite indi mpinduka kubera ko batigeze bongerera ubumenyi cyangwa ubumuga bwabo.
Kwiteza imbere bishobora kuba mu buryo bwinshi:
Kwiga amasomo mashya
Kwiyungura ubumenyi mu ikoranabuhanga
Gusoma ibitabo
Gukurikirana amahugurwa
Ubumenyi n’ubushobozi umuntu afite nibyo bituma agira agaciro ku isoko ry’umurimo. Iyo umuntu afite ubumenyi bwinshi, amahirwe yo kubona akazi keza cyangwa gutangiza umushinga wunguka ariyongera.
Niyo mpamvu abantu benshi batsinze mu buzima bavuga ko ishoramari ryiza kurusha ayandi ari ishoramari mu bwenge bwawe.
5. Gukurikirana Abagore Kurusha Inzozi (Chasing Women More Than Dreams)
Iki ni ikibazo gikomeye cyane ku bagabo benshi cyane cyane mu gihe cy’urubyiruko.
Hari abagabo bakoresha umwanya munini, imbaraga nyinshi ndetse n’amafaranga menshi bakurikirana abagore aho gukurikirana intego zabo mu buzima.
Iyo umuntu atangiye gushyira imbere ibyishimo by’igihe gito kurusha intego z’igihe kirekire, bishobora kumusubiza inyuma cyane.
Hari n’abagera aho bakoresha amafaranga menshi bashaka gushimisha abakobwa: kugura impano zihenze, gusohokana cyane cyangwa kubaho mu buryo bwo kwiyereka.
Ariko ikibazo ni uko ibyo bishobora gutuma umuntu atakaza amahirwe yo kubaka ubuzima bwe.
Abagabo benshi batsinze mu buzima bavuga ko igihe cy’urubyiruko ari igihe cyo kubaka ejo hazaza. Iyo umuntu yubatse ubuzima bwe neza, ibindi byinshi biramukurikira.
6. Gutinya Gutangirira ku Bito (Fear of Starting Small)
Ikindi kintu gikomeye gituma abantu benshi batagera ku ntsinzi ni gutinya gutangira ibintu bito.
Hari abantu benshi bategereza amahirwe manini cyangwa amafaranga menshi mbere yo gutangira umushinga. Ariko ukuri ni uko ubukire bwinshi ku isi bwatangiye mu bintu bito cyane.
Urugendo rw’intsinzi rukunze gutangira mu buryo bworoheje:
Umushinga muto
Ubucuruzi buto
Akazi gatangirira ku rwego rwo hasi
Ariko abantu benshi batinya gutangira gutyo kubera gutinya ibyo abandi bazavuga cyangwa gutinya gutsindwa.
Abantu batsinze mu buzima bakunze kuvuga ko icy’ingenzi atari aho utangirira, ahubwo ari aho ujya.
Iyo umuntu atangiye n’ikintu gito ariko akagira umuhate, kwihangana n’ubwenge mu byo akora, ashobora kugera ku rwego rukomeye cyane mu buzima.
Umusozo
Abagabo benshi ku isi bakora cyane ariko bagakomeza kuba abakene. Ibi ntibiterwa n’uko amafaranga adahari, ahubwo akenshi biterwa n’imyitwarire cyangwa imitekerereze ituma amahirwe y’ubukungu abaca mu myanya y’intoki.
Ibintu nka:
Kubaho ushaka gushimisha abandi
Kubura disipuline mu micungire y’amafaranga
Inshuti mbi
Kutita ku kwiteza imbere
Gukurikirana abagore kurusha intego
Gutinya gutangira ku bito
bishobora gutuma umuntu aguma mu buzima bwo guhangana n’ibibazo by’amafaranga.
Ariko inkuru nziza ni uko umuntu wese ashobora guhindura iyi myitwarire. Iyo umuntu afashe icyemezo cyo guhindura imitekerereze ye, akiga gucunga amafaranga neza, akagirana inshuti nziza kandi akagira intego mu buzima, amahirwe yo gutsinda ariyongera cyane.
Iyo utsinze ibi bintu bitandatu, ntuzongera guhora wiruka inyuma y’intsinzi – ahubwo intsinzi izatangira kukwiruka inyuma. 💯
