KIMWE mu bintu bishobora kugora abashakanye kuganiraho batuje, ni ibibazo bifitanye isano n’amafaranga. Ntibitangaje rero kuba akenshi ibibazo bifitanye isano n’amafaranga, ari byo biza ku mwanya wa mbere mu bintu bituma abashakanye batongana.

Iyo abashakanye badashyize mu gaciro ku bihereranye n’uko bakoresha amafaranga, bashobora guhura n’imihangayiko cyangwa bagahora batongana, kandi bikaba byatuma imishyikirano bafitanye bo ubwabo ndetse n’iyo bafitanye n’Imana ihazaharira (1 Timoteyo 6:9, 10). Iyo ababyeyi bananiwe gukemura ibibazo baba bafite bifitanye isano n’amafaranga, bibasaba gukora amasaha y’ikirenga, bigatuma bo ubwabo batamarana igihe, kandi ntibakimarane n’abana babo. Bituma kandi badaterana inkunga, kugira ngo barusheho kubungabunga imishyikirano bafitanye na Yehova. Nanone kandi, baba batoza abana babo kugira imitekerereze idakwiriye ku birebana n’amafaranga.

Bibiliya ntihakana ko “amafaranga ari uburinzi” (Umubwiriza 7:12, NW). Ariko kugira ngo amafaranga agire icyo amarira umuryango wawe, ni uko umenya kuyakoresha neza, kandi ukamenya uko uganira n’uwo mwashakanye ku birebana na yo. * Ubusanzwe, kuganira ku by’amafaranga ntibyagombye gukurura impaka, ahubwo byagombye gukomeza umurunga w’ishyingiranwa uhuza abashakanye.

Ariko se kuki amafaranga akurura ibibazo byinshi mu muryango? Wakora iki se kugira ngo ibiganiro mugirana ku bihereranye n’amafaranga bibe byubaka, aho kuzana intonganya?

Akenshi impaka abashakanye bagirana ku bihereranye n’amafaranga, mu by’ukuri ntiziba ziturutse ku mafaranga ubwayo, ahubwo ziterwa no kutizerana cyangwa zigaterwa n’uko baba bafite impungenge. Urugero, umugabo ubaza umugore we uko yakoresheje amafaranga muri buri kantu kose, mu by’ukuri ni nk’aho aba agaragaza ko atizera neza ko umugore we afite ubushobozi bwo gukoresha neza amafaranga y’urugo. Naho umugore witotombera umugabo we avuga ko atajya azigama amafaranga ahagije, mu by’ukuri ashobora kuba agaragaza ko afite impungenge z’uko bashobora kuzahura n’ikibazo kibasaba amafaranga, bagasanga nta yo bafite.

Indi ngorane abashakanye bahura na yo, ni ukuba barakuriye mu mimerere itandukanye. Matthew umaze imyaka umunani ashatse, yaravuze ati “umugore wanjye yakuriye mu muryango wakoreshaga amafaranga neza. Ku bw’ibyo, ntagira ubwoba bwo gukoresha amafaranga nk’uko bimeze kuri jye. Papa yari umusinzi, akanywa itabi cyane, kandi akenshi nta kazi yabaga afite. Kubera ko incuro nyinshi twabaga tudafite ibyo dukeneye kandi tukabaho, byatumye  muri jye ngira ikintu cyo gutinya kujyamo amadeni. Izo mpungenge zituma rimwe na rimwe ntumvikana n’umugore wanjye ku bibazo by’amafaranga.” None se uko impamvu yaba ibatera kutumvikana yaba imeze kose, mwakora iki kugira ngo mukoreshe amafaranga yanyu neza, ku buryo abafasha kubaka urugo rwanyu aho kubasenyera?

Ubusanzwe, Bibiliya si igitabo cyigisha abantu uko bacunga umutungo wabo. Icyakora irimo inama zirangwa n’ubwenge, zafasha abashakanye kwirinda ibibazo bifitanye isano n’amafaranga. Kuki utasuzuma inama zikurikira Bibiliya itanga, maze ukagerageza kuzishyira mu bikorwa?

1. Itoze kuvuga utuje, mu gihe muganira ku by’amafaranga.

Bibiliya igira iti “ubwenge bufitwe n’abajya inama” (Imigani 13:10, NW). Bitewe n’aho wakuriye, ushobora kumva ubangamiwe no kuganira n’abandi ku bibazo bifitanye isano n’amafaranga, cyane cyane uwo mwashakanye. Icyakora nubwo bimeze bityo, ni iby’ubwenge ko witoza kungurana ibitekerezo n’abandi kuri icyo kibazo cy’ingenzi. Urugero, ushobora gusobanurira uwo mwashakanye ko ukuntu ababyeyi bawe babonaga ibihereranye n’amafaranga, byakugizeho ingaruka. Nanone, gerageza kwiyumvisha uko imimerere uwo mwashakanye yakuriyemo yagize ingaruka ku kuntu abona ibihereranye n’amafaranga.

Ntuzategereze ko ibibazo bivuka, kugira ngo ubone kuganira n’uwo mwashakanye ku by’amafaranga. Hari umwanditsi wa Bibiliya wabajije ati “mbese abantu babiri bajyana batasezeranye?” (Amosi 3:3). Iryo hame rihuriye he n’ibibazo bifitanye isano n’amafaranga? Iyo mugennye igihe cyo kuganira ku bibazo bifitanye isano n’amafaranga, bituma mwirinda intonganya, ubundi zaterwaga no gufata ibintu uko bitari.

2. Mujye mubona ko amafaranga mwinjiza ari ay’umuryango.

Bibiliya igira iti “ku birebana no kugaragarizanya icyubahiro, mufate iya mbere” (Abaroma 12:10). Niba ari wowe wenyine ukorera amafaranga, wagombye kugaragariza icyubahiro uwo mwashakanye, ukabona ko amafaranga winjiza atari ayawe bwite, ahubwo ko ari ay’umuryango.—1 Timoteyo 5:8.

Niba mwembi mwinjiza amafaranga, mushobora kugaragaza ko mwubahana, mubwirana amafaranga mwinjiza uko angana, n’icyo muyakoresha. Uramutse ugize icyo uhisha uwo mwashakanye, bishobora gutuma mutizerana, kandi bikaba byakwangiza imishyikirano mufitanye. Si ngombwa ko ugisha inama uwo mwashakanye mbere yo gukora buri kantu kose kagomba amafaranga. Ariko nubanza kujya inama n’uwo mwashakanye ku bintu bisaba amafaranga menshi, uzaba ugaragaje ko wubaha ibitekerezo bye.

3. Mujye mwandika ibyo muteganya kuyakoresha.

Bibiliya igira iti “nuteganya kandi ugakorana umwete, uzagera kuri byinshi” (Imigani 21:5, Contemporary English Version). Bumwe mu buryo bwo guteganya ibyo uzakora no kwirinda gupfusha ubusa amafaranga wabonye wiyushye akuya, ni ugukora urutonde rw’ibyo muzakoresha amafaranga y’umuryango. Nina umaze imyaka itanu ashatse, yaravuze ati “kurebera hamwe amafaranga mwinjiza n’ibyo muteganya kuyakoresha mwamaze kubyandika ku rupapuro, bishyira ibintu ku mugaragaro, kandi bigatuma mumenya neza uko muhagaze.”

Si ngombwa ko uburyo mukoresha mwandika uko muzakoresha amafaranga yanyu buba buhambaye. Darren umaze imyaka 26 ashatse, akaba afite abahungu babiri yaravuze ati “twabanje gukoresha uburyo bw’amabahasha. Twafataga amafaranga tuzakoresha mu cyumweru, tukayashyira mu mabahasha atandukanye. Urugero, twagiraga ibahasha ijyamo amafaranga yo guhaha, tukagira ijyamo ayo kwirangaza n’indi ijyamo ayo kwiyogoshesha. Iyo amafaranga yo mu ibahasha imwe yabaga ashize, twigurizaga ayo  mu yindi, ariko tukazirikana ko tuza kuyasubizamo vuba uko bishoboka kose.” Niba mumenyereye gufata umwenda w’ibintu mukeneye maze mukabyishyurira rimwe nyuma y’igihe runaka, icyo gihe biba ari ngombwa cyane ko mwakandika ibyo muteganya kugura, kandi mwagira ibyo mugura, mukandika umubare w’amafaranga mumaze gukoresha.

4. Mugabane inshingano.

Bibliya igira iti “ababiri baruta umwe, kuko iyo bakoreye hamwe bagera kuri byinshi” (Umubwiriza 4:9, 10, New Century Version). Mu miryango imwe n’imwe, umugabo ni we ucunga amafaranga. Ahandi ho, umugore ni we usohoza iyo nshingano kandi akabikora neza (Imigani 31:10-28). Icyakora, abashakanye benshi bahitamo gufatanya iyo nshingano. Mario umaze imyaka 21 ashatse, yagize ati “umugore wanjye yishyura za fagitire n’ibindi bintu bitwara amafaranga make. Jye nishyura imisoro, nkishyura imyenda n’ubukode bw’inzu. Tubwirana ibyo tumaze gukora, kandi tugakorera hamwe.” Uko mwaba mubigenza kose, gukorera hamwe ni ryo banga.

Ntibikwiriye ko ibiganiro mugirana ku bihereranye n’amafaranga bituma urukundo rwanyu rucogora. Leah umaze imyaka itanu ashatse, yabonye ko ibyo ari ukuri. Yaravuze ati “jye n’umugabo wanjye twitoje kubwizanya ukuri, kandi nta wugira icyo akinga undi mu gihe tuganira ku bijyanye n’amafaranga. Kubera iyo mpamvu, ubu dukorera hamwe, kandi urukundo rwacu rwariyongereye.”

Iyo abashakanye baganiriye uko bifuza gukoresha amafaranga yabo, bituma buri wese agaragariza mugenzi we ibyo yifuza kugeraho, kandi bigashimangira isezerano bagiranye ryo kubana akaramata. Iyo bagiye inama mbere yo kugura ibintu bibatwara amafaranga menshi, buri wese aba agaragarije mugenzi we ko yubaha ibitekerezo bye n’ibyiyumvo bye. Iyo buri wese ahaye mugenzi we uburenganzira bwo gukoresha amafaranga runaka atabanje kubimubwira, aba amugaragarije ko amwizera. Ibyo bintu bituma abashakanye bagirana imishyikirano irangwa n’urukundo nyakuri. Imishyikirano nk’iyo ni yo y’igiciro cyinshi cyane kurusha amafaranga. Ku bw’ibyo rero, ntimwagombye rwose gupfa amafaranga.