Uko watungwa na duke ufite

KUGIRA NGO umuntu atungwe na duke afite, bimusaba guteganya abyitondeye. Yesu yagaragaje neza ko ibyo ari ngombwa, igihe yabazaga ati “ni nde muri mwe waba ashaka kubaka umunara utabanza kwicara akabara ibyo azawutangaho, ngo arebe niba afite ibyawuzuza” (Luka 14:28, 29)? Kugira ngo ushyire iryo hame mu bikorwa, ushobora ‘kubara’ icyo kubaho mu buryo buhuje n’ubushobozi bwawe bizagusaba, uteganya uko uzajya ukoresha amafaranga ubona. Wabigenza ute? Gerageza gukora ibi bikurikira:

Nugeza mu rugo amafaranga wakoreye, ujye uyatera imirwi ukurikije ibyo ukeneye ubu n’ibyo uzakenera mu gihe kiri imbere. (Reba ibiri ku  ipaji ya 8.) Iyo umaze gushyira kuri gahunda ibintu bizagutwara amafaranga, uba ushobora kubona aho amafaranga yawe ajya, ukamenya n’ibintu bitari ngombwa biyagutwara. Ibyo na byo, bizagufasha kugabanya amafaranga ukoresha.

 Jya ugira ubwenge mu gihe uhaha

Igihe Raúl yirukanwaga ku kazi, umugore we Bertha yahinduye uko yahahaga. Yaravuze ati “nashakishaga aho bagabanyije ibiciro cyangwa ahandi hantu hari ibiciro bidasanzwe, aho ugura ikintu kimwe bakakongeza ikindi.” Dore ibindi bitekerezo:

● Jya ukora gahunda y’ibyo muzarya mu cyumweru, ukurikije ibiribwa byagabanyirijwe ibiciro.

● Aho kugura ibyokurya bapfunyika, ujye ugura ibiribwa maze ubyitekere.

● Ujye ugura ibintu byinshi igihe byagabanyirijwe ibiciro cyangwa igihe biboneka.

● Jya uhahira rimwe, ariko witonde kugira ngo utabika ibintu byinshi bishobora kwangirika.

● Jya ugabanya amafaranga utanga ku myenda, ugura imyenda ya caguwa ikiri mizima.

● Jya ukora ingendo ujye guhahira aho ibicuruzwa bigura make, niba ubona ari byo byaguhendukira.

● Gabanya incuro ujya guhaha. *

Jya ubishyira mu nyandiko

Fred yaravuze ati “kubera ko twagombaga guteganya uko tuzajya dukoresha amafaranga, nashyize mu nyandiko urutonde rw’ibintu twabaga tugomba kwishyura ako kanya, n’amafaranga y’ibintu twari kuzakenera mu gihe gisigaye cy’ukwezi.” Umugore we witwa Adele yunzemo ati “iyo najyaga ku isoko, nabaga nzi neza amafaranga ndi bukoreshe. Iyo rimwe na rimwe nabaga nshaka kugira icyo ngurira abana cyangwa icyo njyana mu rugo, nabanzaga kureba aho nanditse uko nzakoresha amafaranga, maze nkibwira nti ‘ubwo nta mafaranga yo kukigura mfite, tuzategereza mu kwezi gutaha.’ Kwandika uko twakoreshaga amafaranga, ni cyo kintu cy’ingenzi cyadufashije kubigeraho.”

Mbere yo kugira icyo ugura, jya ubanza ubitekerezeho

Jya ukunda kwibaza uti “ese koko iki kintu ndagikeneye? Ese koko iki gikoresho nari nsanganywe kirashaje, cyangwa ni uko gusa nifuza igishya?” Ese niba icyo gikoresho ushaka utazajya ukunda kugikoresha, ntiwagikodesha? Cyangwa niba ubona ko uzajya ukunda kugikoresha, ese hari ikibazo uramutse uguze icyakoze ariko kikiri kizima?

Nubwo bumwe muri ubwo buryo tumaze kuvuga bushobora gusa n’aho nta cyo buvuze, iyo bwose ubukoresheje bugira icyo bwongera. Icyiza cy’ibyo ni uko iyo wimenyereje kujya uzigama mu tuntu duto duto, ugeraho ukajya ubigenza utyo no mu bintu bikomeye.

Jya ushakisha ikindi wakora

Jya ushakisha icyo wakora kugira ngo ugabanye amafaranga utanga ku bintu bitari ngombwa. Urugero, Adele yaravuze ati “twari dufite imodoka ebyiri, ariko twahise twiyemeza kureka imwe, tukajya dukoresha isigaye, akaba ari yo tugendamo twese, cyangwa tukajya tujyana n’abandi. Iyo twabaga tugize aho tujya, twakoreraga ibintu byinshi icyarimwe, kugira ngo dukoreshe lisansi nkeya. Twiyemeje kujya tugura ibintu twabaga dukeneye koko.” Dore ibindi wakora:

● Hinga akarima k’imboga.

● Jya ukurikiza amabwiriza yo kwita ku bikoresho ababikoze batanze, kuko bishobora gutuma biramba.

● Jya wiyambura imyenda yawe myiza ukimara kugera mu rugo, kuko ibyo bizatuma idasaza vuba.

 Kugira ngo ushobore guteganya uko uzajya ukoresha amafaranga yawe ukurikije imimerere urimo, kora ibi bikurikira:

Ntukigunge

Iyo abantu benshi birukanywe ku kazi, bitarura abandi kandi bakigunga. Icyakora Fred we si ko yabigenje. Abagize umuryango we, hakubiyemo n’abana be bakuze, baramushyigikiye. Yagize ati “kuba twaraganiraga kuri icyo kibazo cyane byatumye turushaho kunga ubumwe. Buri wese yumvaga bimureba.”

Nanone Fred yakomejwe n’Abakristo bagenzi be bahuriraga buri gihe mu materaniro yaberaga ku Nzu y’Ubwami y’Abahamya ba Yehova. Yaravuze ati “buri gihe iyo twabaga turangije amateraniro yacu ya gikristo, numvaga nkomeye. Buri wese yangaragarizaga ineza kandi akanyitaho. Kuba baradufashije kandi bakaduhumuriza, byatumye twumva ko tutatereranywe.”—Yohana 13:35.

Akamaro ko kugira ukwizera

Ubushomeri bwatumye abantu babarirwa muri za miriyoni baba abarakare, bitewe n’uko bumva ko batengushywe n’abakoresha babo. Raúl wigeze kuvugwa, yishwe n’agahinda igihe yirukanwaga ku kazi incuro ebyiri zose mu buryo butunguranye, igihe yari mu gihugu cye cya Peru, n’igihe yari i New York City. Igihe yari amaze kwirukanwa ku ncuro ya kabiri, yafashe umwanzuro ugira uti “muri iyi si, nta kintu na kimwe wakwiringira.” Yamaze amezi menshi ashakisha akazi ariko biba iby’ubusa. Ni iki cyamufashije kwihangana? Yaravuze ati “nitoje kugirana imishyikirano ya bugufi n’Imana, maze mbona ko kugira ngo ngire umutekano nyakuri, nagombaga kuyiringira.”

Raúl ni Umuhamya wa Yehova, kandi kwiga Bibiliya byamufashije kwizera cyane Se wo mu ijuru utwitaho, we utanga isezerano rigira riti “sinzagusiga rwose kandi sinzagutererana” (Abaheburayo 13:5). Icyo gihe ntibyari byoroshye. Yaravuze ati “buri gihe twasengaga dusaba ibintu by’ibanze twabaga dukeneye, kandi twitoje kwishimira ibyo Imana yaduhaga.” Umugore wa Raúl witwa Bertha yongeyeho ati “hari igihe numvaga nataye umutwe, nibaza niba Raúl azabona akazi. Icyakora twabonye ko Yehova yashubije amasengesho yacu, aduha ibyo twabaga dukeneye buri munsi. Nubwo tutari dufite ibintu byinshi nk’ibyo twahoranye, urebye imihangayiko twagiraga yaragabanutse.”

Kubera ko Fred ari Umuhamya wa Yehova, kwiga Bibiliya byahinduye cyane uburyo yahanganye n’icyo kibazo yari afite. Yaravuze ati “hari igihe dushakira umutekano mu kazi, umwanya dufite mu kazi cyangwa amafaranga dufite kuri konti. Ariko namenye ko umutekano wonyine dushobora kugira ari uturuka kuri Yehova Imana wenyine, kandi ko ubucuti tugirana na we ari bwo bwonyine bushobora gutuma twumva dutuje by’ukuri.” *

[Ibisobanuro ahagana hasi ku ipaji]

[Amagambo yatsindagirijwe yo ku ipaji ya 9]

“Buri gihe twasengaga dusaba ibintu by’ibanze twabaga dukeneye, kandi twitoje kwishimira ibyo Imana yaduhaga”

 [Agasanduku/​Imbonerahamwe yo ku ipaji ya 8]

 Uko wakora inyandiko igaragaza uko ukoresha amafaranga

(1) Andika ibintu by’ingenzi utangaho amafaranga buri kwezi. Gira aho wandika umubare w’amafaranga ukoresha mu kwezi kose uhaha ibyokurya, wishyura inzu (ayo kuyikodesha cyangwa kwishyura ideni), ayo kwishyura ibintu by’ingenzi, ayo utanga ku modoka n’ibindi. Ku bintu byishyurwa nyuma y’umwaka, ujye ugabanya na 12, kugira ngo umenye ayo ugomba gushyira ku ruhande buri kwezi.

(2) Shyira mu byiciro ibyo bintu byose bigutwara amafaranga. Muri byo harimo ibiribwa, inzu, imodoka, ingendo n’ibindi.

(3) Jya umenya amafaranga uzajya utanga buri kwezi kuri buri kintu. Kuri za fagitire zishyurwa mu mwaka, ugomba “kubara” amafaranga uzajya ushyira ku ruhande buri kwezi.

(4) Andika amafaranga yose abantu b’iwawe binjiza. Ujye ukuramo ayo babakata, urugero nk’imisoro. Noneho gereranya ayo mafaranga mwinjiza n’ayo mukoresha.

(5) Buri kwezi, ujye ushyira ku ruhande amafaranga ukenera gukoresha kuri buri kintu. Niba ukoresha amafaranga wifitiye, ujye wandika kuri buri bahasha amafaranga agenewe buri kintu. Hanyuma, buri gihe ujye ushyira muri buri bahasha amafaranga wageneye icyo kintu.

Icyitonderwa: Niba ukoresha uburyo bwo guhaha ukazishyura nyuma, wagombye kuba maso. Abantu benshi bagiye bagura ibintu batari barateganyije, bitewe n’uko baguye muri wa mutego w’abacuruzi babasaba “kugura bakazaba bishyura.”

[Imbonerahamwe]

(Niba wifuza kureba uko bimeze, reba mu igazeti ya Nimukanguke!)

Amafaranga yinjira mu kwezi

UMUSHAHARA W’UKWEZI FRW․․․․․ ANDI FRW․․․․․

IMISHAHARA Y’UKWEZI

Y’ABANDI BABA MU RUGO FRW․․․․․ AYINJIRA YOSE HAMWE

FRW․․․․․

Amafaranga uteganya Amafaranga uteganya

Amafaranga wakoresheje mu kwezi gukoresha mu kwezi

FRW․․․․․ Ubukode cyangwa kwishyura umwenda FRW․․․․․

FRW․․․․․ Ubwishingizi/Imisoro FRW․․․․․

FRW․․․․․ Fagitire zigomba kwishyurwa FRW․․․․․

FRW․․․․․ Imodoka FRW․․․․․

FRW․․․․․ Kwirangaza/Ingendo FRW․․․․․

FRW․․․․․ Telefoni FRW․․․․․

FRW․․․․․ Ibiribwa FRW․․․․․

FRW․․․․․ Ibindi FRW․․․․․

AYO UTEGANYA GUKORESHA YOSE AYO WAKORESHEJE YOSE

FRW․․․․․ FRW․․․․․

Gereranya ayo winjije n’ayo wakoresheje

AMAFARANGA YINJIRA MU KWEZI FRW․․․․․

GUKURAMO− IKINYURANYO

AMAFARANGA WAKORESHEJE MU KWEZI FRW․․․․ FRW․․․․․