Reka tuvuge ko urebye impapuro za banki na za fagitire, ukabona amafaranga arimo aragushiraho nk’uko umusenyi uca mu myanya y’intoki. Mumaze igihe gito mushakanye, ariko gucunga umutungo wanyu byabananiye. Ese byaba biterwa n’uwo mwashakanye? Ntukihutire kumva ko ari we ubitera. Ahubwo nimusuzumire hamwe ibyatumye mwembi muhura n’icyo kibazo. *

Ihinduka ry’imibereho. Niba warabaga iwanyu mbere y’uko ushaka, ushobora kuba utamenyereye ibyo kwishyura fagitire cyangwa gufatanya n’undi muntu guhaha. Nanone bishobora guterwa n’uko wowe n’uwo mwashakanye mudakoresha amafaranga kimwe. Urugero, umwe ashobora kuba asesagura undi akaba akunda kuzigama. Kugira ngo abashakanye bagire icyo bahindura kandi bemeranye uko bazakoresha amafaranga, bisaba igihe.

Kurazika ibintu. Rwiyemezamirimo umenyereye akazi witwa Jim, avuga ko akimara gushaka, yahuye n’ingorane nyinshi bitewe no kutamenya gushyira ibintu kuri gahunda. Yagize ati “kubera ko natindaga kwishyura, jye n’umugore wanjye twishyuye amadolari abarirwa mu bihumbi y’amande y’ubukererwe. Twashidutse amafaranga yadushiranye.”

Kwishyura “mu buryo butagaragara.” Iyo uhaha ntuhite wishyura, gusesagura biroroha. Ibyo bishobora kukubaho mu gihe uhaha ukoresheje amakarita ya banki cyangwa mu gihe ubitsa ukanabikuza ukoresheje interineti. Kuba umuntu ashobora kubona ideni mu buryo bworoshye, na byo bishobora gutuma abamaze igihe gito bashakanye basesagura.

Uko impamvu ibitera yaba iri kose, ibibazo by’amafaranga bishobora kubateranya. Hari igitabo cyagize kiti “abashakanye benshi bavuga ko ikibazo cya mbere bagirana ari icy’amafaranga, uko ayo bafite yaba angana kose. Akenshi amafaranga ni yo akurura amakimbirane hagati y’abashakanye.”

Mwiyemeze gufatanya. Aho kugira ngo mwitane ba mwana, mujye mufatanya gucunga amafaranga neza. Mbere yo kugira icyo muganira ku kibazo cy’amafaranga, mujye mwiyemeza kutagiha urwaho ngo kibateranye.—Ihame rya Bibiliya: Abefeso 4:32.

Muteganye uko muzakoresha amafaranga. Mwandike ibintu byose muteganya guhaha mu kwezi, uko byaba bingana kose. Ibyo bizabafasha kumenya aho amafaranga yanyu ajya n’ibyo mugura bitari ngombwa.

Mujye mukora urutonde rw’ibintu mukeneye kwishyura, urugero nk’ibiribwa, imyambaro, ubukode bw’inzu cyangwa inguzanyo y’inzu, inguzanyo y’imodoka n’ibindi. Mujye mugaragaza amafaranga mugomba gutanga kuri buri kintu, muteganye ayo muzajya mucyishyura mu gihe runaka, wenda nko mu kwezi.—Ihame rya Bibiliya: Luka 14:28.

Mujye mutera imirwi amafaranga mwinjiza buri kwezi (agenewe ibyokurya, gukodesha, lisansi n’ibindi). Hari abayashyira mu mabahasha atandukanye, buri kintu bakakigenera ibahasha. * Iyo ayo bageneye ikintu runaka ashize, bashobora kureka kukigura cyangwa bagafata ku yo mu yindi bahasha.

Mwongere musuzume uko mubona ibirebana n’ubutunzi. Ibyishimo ntibizanwa no gutunga ibintu bigezweho. N’ubundi kandi Yesu yaravuze ati “niyo umuntu yagira ibintu byinshi ate, ubuzima bwe ntibuva mu bintu atunze” (Luka 12:15). Incuro nyinshi, uko ukoresha amafaranga bigaragaza niba wemera ibivugwa muri uwo murongo.—Ihame rya Bibiliya: 1 Timoteyo 6:8.

Mugire icyo muhindura. Uwitwa Aaron umaze imyaka ibiri ashatse yaravuze ati “kwishyura ibintu bitandukanye, urugero nk’urutsinga rucomekwaho televiziyo no kurya muri resitora, mu mizo ya mbere ubona bisa n’aho bihendutse. Ariko amaherezo bishobora kuzagusigira ubukene. Ku bw’ibyo, twitoje kwigomwa ibintu bimwe na bimwe kugira ngo tubeho mu buryo buhuje n’ubushobozi bwacu.”