Buri muntu w’igitsina gore akunda umugabo w’umukire; oya!!! Reka mbivuge neza mu bundi buryo; buri kiremwamuntu cyifuza gukira. Kandi buri muntu agira uburyo bwe bwo gushaka amafaranga; abantu bamwe baragoka bakavunika cyane ngo babone ifaranga mu gihe abandi bicira inzira y’ubusamo ngo bigwizeho akababaje umugabo kakamurenza impinga.
Abagore bamwe na bamwe bakwiye gushimirwa ndetse bakubahwa kubera uburyo bakora cyane kugira ngo binjize amafaranga ntawe bayasabye. Gusa abagore bose si bamwe, hari abo ukwiye gutinya, ukwiye kwikengera; ba bandi batazi indi banki uretse mu mufuka w’umugabo ndetse ibyo gushora imari basa n’abatabikozwa, icyo bashora cyonyine kikaba ari intoki bashora n’ubundi mu mifuka y’abagabo.
Abari bamwe ntibashaka gukora ngo bavunikire ayabo, icyo bashaka ni ugusimburanya abagabo bava kuri umwe bajya ku wundi ngo bibonere amaramuko n’amaronko . Mbega umurimo!!!
Abari bamwe bateye batya baba buje uburanga, ari beza mbese basa n’amazi yo ku iteke gusa ugasanga ni ‘abaganga b’amenyo’ babi cyane. Ni byo, muri kamere, nta mugabo udakunda umugore mwiza (wabona bake cyane batabyumva kimwe nanjye aha), rero ntukwiye kugira uwo usekera ko yaguye mu ngoyi z’ikizungerezi cyishakira ifaranga.
Abasore benshi bakoze ikofi, mbese b’abakire usanga muri ibi bihe batinya gutereta kuko bitoroshye na gato gutahura no gutandukanya mu by’ukuri umwari ugukunda by’ukuri n’uwishakira ikiri mu itokomoni yawe.
Iyi nkuru yanditswe bwa mbere kuri Elcrema, urubuga rwandika ku mibanire. Igenewe by’umwihariko ba basore bafite konti zo muri banki zibyibushye zikurura abagore benshi ndetse na ba bandi bakora cyane ngo biteze imbere mu buzima ariko bakaba bifuza gukunda by’ukuri no kubaho imibanire y’urukundo mizima iganisha ku kubana n’uwo bakundana mukarambana.
Biragoye koko gutahura abo bakuzi b’ibyinyo mu bandi kuko Umunyarwanda yaciye umugani ati “Intasi y’impyisi yabira maka” mu gihe nta myaka ibiri yashira uwitwa Hakizimana Amani uzwi cyane nka Ama G The Black aririmbye ati “Umuntu si inyama n’amagufwa [oya], umuntu ni ikimwihishemo.” Icyakora nizeye ko nyuma yo gusoma iyi nkuru, uzabasha kumenya umwari ugukunda by’ukuri ndetse n’undi udafite ikindi agushakaho kitari ifaranga.
Turakugezaho ibimenyetso 10 bigufasha gusobanukirwa kurushaho, umwali nk’uwo ndetse n’icyo wakora ngo umutahure. Ubwo ni wowe uzamenya icyo gukora nyuma kandi ibi kugira ngo ubigereho biragusaba gufata ingamba zikakaye na zo ugomba kwifashisha gutahura umwari nk’uwo:
1. GENZURA ICYO ABONA NK’IBIHE BYIZA
Niba ushobora kumenya itandukaniro hagati y’ibihe bye byiza bimushimisha ndetse n’ibihe bye bisanzwe, aho ushobora noneho kumenya niba ashimishwa nawe ubwawe cyangwa ikofi yawe. Gusa abari b’abaryi na bo ni ba gaheza, bashobora kukwishushanyaho ariko nawe nk’umuntu mukuru, nushishoza, indyarya uzayivumbura bitakugoye.
Ese uyu mwali aba yishmye bizira imbereka iyo muri kumwe mwembi cyangwa yishima kurushaho iyo mujyanye mu maduka guhaha (gushopinga)? Ese ni umuntu uterwa ibyishimo no kumarana nawe igihe? Nimvuga igihe hano, ntunyumve nk’aho mvuze agasaha kamwe cyangwa tubiri; niba agukunda KOKO akunda WOWE, yakagombye kwishimira kumarana igihe gihagije NAWE. Nimvuga kumarana igihe NAWE, ndavuga kukimarana NAWE nyine, bitari ukukimarana mu iduka cyangwa ‘supermarket’, simvuga kumarana igihe mugura imitako ye yo kwirimbisha n’ibindi byararuye abari bamwe b’ubu, na ko n’aba kera bakundaga ibintu n’ababibaha!!! Niba ubasha kwibwira neza igishimisha uwo mwana w’umukobwa, ubwo wakabaye umenya neza umwari ugukunda cyangwa ukunda ikofi yawe.
2. MUBWIRE KO ‘WAKUBISWE’
Yego, ntiwanyumvise nabi; wibuke ko nakubwiye ko ukwiye kwitegura gufata ingamba zikakaye, rero iyi yo kubwira umukobwa mukundana ko washiriwe cyangwa ‘wakubiswe, agatara kakwakiye’ (nkuko abubu babivuga ) umugani wa ba bandi ni imwe muri izo ngamba.
Umunsi umwe uzatahe cyangwa umuhamagare umubwire ko ibintu byazambye ku kazi cyangwa muri bwa bushabitsi wikorera, ndetse ko ubona ugeze ku buce ku buryo ubona ubukene bukomanga ku muryango wawe. Umwali ugukunda azakomeza akunambeho mu gihe uwikundira ikotomoni yawe azakwitarutsa buhoro buhoro igihe cyose azaba abona nta kigwa mu biganza bye gihanutse mu ikofi yawe.
Umwali ukugendaho kubera ifaranga ntashobora kwihanganira kubana nawe ukennye nyamara uwifuza by’ukuri kwibanira nawe ntacyo bizaba bimubwiye, ibiri amambu ahubwo, azashishikarira gushaka uko yagufasha uko ashoboye kose ngo wivane mu kangaratete k’ubukene, ashobora guhitamo kukugira inama zagufasha kubonera ibisubizo ibibazo ufite ndetse azabirenga akore igishoboka cyose ngo wongere usubirane isheja ryawe mu bandi.
3. YABA YARIGEZE AKUBURIRA KU BURYO UKORESHAMO AMAFARANGA YAWE ?
Umwali utakwitayeho na gato nta n’icyo biba bimubwiye kuba wakoresha amafaranga yawe yose kuri we nyamara ugukunda akaba anashaka ko ahazaza muzahabana azajya akuburira anagucyaha ku buryo ukoreshamo amafaranga.
Ikimuraza ishinga si uko amafaranga yawe yose wayamutakazaho, yabikubuza anaguha gasopo ahubwo; niba uri umuntu waya bikabije amafaranga ku bintu by’iraha risa, ushobora kumva ukumva arakubwiye ati “Genza gake muhu…” Ahubwo agashmishwa n’uko ukoresha amafaranga yawe ku bindi bintu by’agaciro kandi ntashobora kwifuza ko yaba ubwe cyangwa bandi bantu batekereza ko icyo yitayeho gusa ari amafaranga yawe. Nyamara umukobwa watakayemo kubera amafaranga, icyo abandi batekereza ntabwo kiba kimuciriye ishati.
4. YIGEZE AGUSHISHIKARIZA GUSHORA IMARI ?
Umwali wifuza kuzabana nawe mu buzima bw’eho hazaza yakabaye agushishikariza gukora ishoramari rifatika; yakabaye yifuza kumenya uko ‘business’ yawe iri kugenda cyangwa niba uri kwitwara neza aho ukora. Umwari ugushakaho ifaranga na we ashobora kwifuza ko ushora imari yawe ariko icyo aba yishakira ni uko wayamushoraho ari we. Ntacyo bimubwiye rwose nubwo ashobora gukora uko ashoboye kose ngo akwereke ko yita ku buzima bwawe bw’ejo. Umwari ugukunda yagashatse ko ukora uteganyiriza ejo hazaza; uko ukoresha amafaranga ku bintu by’ingenzi kurusha ibindi ni ikintu cy’agaciro kuri we mu gihe ‘umukuzi w’ibyinyo’ we icyo areba ari we, we wenyine.
5. NI IKI AKUBWIRA BURI ITEKA MURI KUMWE ?
Ikintu uwo mukobwa akunda kukubwira cyane kurusha ibindi ni ingenzi cyane; ukwiye kugira ugutwi kumva, ugutwi abagabo benshi batagira. Niba icyo akunda kukubwira ari imigambi ye, uwo ni umwari w’inyangamugayo, arifuza kugira ibyo ageraho mu buzima bwe mufatanije. Gusa niba ahora mu maganya yinuba akubwira amagorwa n’ibibazo bye bisa, musore, uwo mwari muhunge, hunga vuba nk’uhunga umuriro wakongoye Sodomu na Gomora, kandi nuhunga wiruka, uramenye utazatuma mwirukankana, bitari ibyo , mushobora gukomeza kwirukankana amaguru yawe agasigara mu nzira nka ka gashwiriri cyangwa akaguta ku gasi.
6. MUHE IKARITA UBIKURIZAHO AMAFARANGA
Aha ho ushobora kuvugira mu matamatama uti “Noneho uyu mwanditsi arasaze.’’ Hoya, sinasaze sinanasinze rwose. Ni ngombwa ko umenya umwari wihebeye gusa ifaranga ryawe hakiri kare mbere y’uko umwimariramo ukamuha umutima wawe hanyuma, ukazabyicuza; icyo gihe watangira kubogoza amazi yararenze inkombe. Uramutse uhaye umukobwa ugukunda by’ukuri ikarita yawe, yagira ubwoba bwo gukoresha amafaranga yawe menshi nyamara umukuzi we azayarya ativuye inyuma ku buryo mu gahe nk’ako guhumbya wasanga konti yawe iguhamagara. Umukobwa ugukunda by’ukuri azitondera gukoresha amafaranga yawe nabi kuko agufitiye umutima n’umugambi mwiza ariko utagukunda ntazagira ubwoba bwo kwimara inyota y’ifaranga akoresheje iryawe. Gusa bavandimwe, mbere y’uko umuha ikarita yawe , uzashyireho amafaranga make kandi ube witeguye ko ashobora gukora ibibi birenze ku mafaranga yawe. NI UKWITONDA CYANE KURI IYI NGINGO.
7. NIBA AZANA INSHUTI ZE BURI GIHE MUHUYE CYANGWA MWASOHOTSE
Hari akantu gasekeje na ko kababaje nabonye ku bari, iyo umwari atagukunda, ntacyo biba bimubwiye ko inshuti ze zaza zigasogongera ku biceri byawe na zo; mbese amafaranga yawe aba ATM yabo. Nyamara umwari ugukunda by’ukuri, azagutwama nabona ushaka kwangiza amafaranga yawe cyane ngo umushimishirize inshuti, ni we ubwe uzashyiraho umupaka ntarengwa ku mafaranga utakaza ku nshuti ze ndetse bizamutera agahinda nabona udashaka kubigabanya.
8. MUSABE AMAFARANGA
Saba uwo mwari mukundana amafaranga, yego wowe bikore; uko azitwara nukora ibi bizaguha ubutumwa bukomeye. Niba umukobwa aguha amafaranga ubona rwose ko abikuye ku mutima, nshuti yanjye, uwo mukobwa aragukunda by’ukuri. Ariko niba abanza kwinuba akayaguha yiciraguraho, ukwiye kugira amakenga. Umwari ugukunda ntacyo biba bimubwiye kuba yakwihera ibyo atunze byose mu gihe ugushakaho amafaranga we aba yumva nta n’ikibiriti yakugurira. Umwari utagukunda aba arajwe ishinga no guhabwa, si ugutanga; iby’imigisha iva mu gutanga ntubimubaze, uzabijyane ahandi. Niba umwari agukunda, we ubwe azakugurira impano ariko ugushakaho ifaranga we ntashobora kugutakazaho n’amafaranga yo guhamagara, uzamugurira ikarita, yange akomeze akubipe.
9. NTUKAMUHE AMAFARANGA IGIHE KIREKIRE
Ubundi nta mpaka zakavutse hano niba umwana w’umukobwa agukunda koko. Impaka zivuka kuri iyi ngingo gusa iyo uwo mwari yikundira ‘cash’, yishakira inoti zawe nyine , bityo nutazimuha azamera nk’aho afite uburenganzira bwo kubisha ace ibiti n’amabuye ngo ntumwitaho, ngo ntuzi gutanga ‘care’ n’ibindi…Umukobwa utagukunda nta gihe bizamufata gucaho akigendera igihe cyose abona wagabanije umurego wo kumuha amafaranga ye kandi ari ayawe, mbese amafaranga wavunikiye aba yumva ari aye kandi yumva yanayagiraho uruhare kukurusha. Umukobwa ugukunda ashobora no kutamenya ko wagabanije kumuha amafaranga. Icy’ingenzi hano, umwari wese winuba ngo umuha amafaranga y’intica ntikize nk’aho yayabyiniye uramwitondere muvandi…
10. NIBA NTA MIGAMBI Y’ITERAMBERE RY’EJO HAZAZA AGIRA
Umukobwa utagira intego n’imigambi y’iterambere ry’ejo hazaza ni uwo kwitondera cyane; ni uwo kwitondera cyane kuko intego ye ni ikofi yawe ndetse na konti yawe ya banki. Umwari ufite gahunda yo kwiteza imbere mu by’umwuga cyangwa undi murimo aba arajwe ishinga n’iby’akazi ke bitari ugusarura amafaranga ku bagabo kandi atazi imvune bagira ngo bayabone, umukobwa w’umukozi wifuza kwigira no kugira uruhare mu guteza imbere urugo rwe yiha agaciro kandi akumva atewe ishema no kuba hari ibyo yigejejeho atarinze gutegereza ibiva ku basore, mu gihe umukobwa nk’umwe abaririmbyi ba UTP Soldiers bise ‘Black Angel, Muganga w’Ibyinyo’ we intego ye nkuru ari ukubona umugabo wamuha icyo ari cyo cyose icye kikaba kwicara no koza akarenge.
Utu tunama turakora kandi twagufasha gutahura abari bagenzwa n’ifaranga gusa dore ko ari na BO BENSHI muri iki gihe. Ugomba kumenya ko bitoroshye gutahura abari nk’aba; bamwe bazi kwambara uruhu rw’intama kandi ari ibirura nka kimwe cyariye Bwiza. Ugomba kuba inyaryenge nawe rero. NI UMUGISHA kandi BIRAKWIYE ko umusore abona mu buzima umwari umukundira uko ari bitari icyo afite.
IRADUKUNDA Fidele Samson
Munezero Alex
urakoze kunama zawe muvandi kdi rwandamagazi.com turayikunda mukomerezaho.