“Mperutse kujya mu iduka ngira gusa ngo ndebe ibyo bacuruza. Igitangaje ni uko naguzemo ikintu gihenze ntari nateganyije kugura!”—Colin.

 Colin yiyemerera ko afite ikibazo cyo kugura atabara. Ese nawe ni uko? Niba ari ko bimeze, iyi ngingo ishobora kugufasha.

•  Kuki ukwiriye kugenzura uko ukoresha amafaranga?

•  Uko wabigenza

•  Icyo bagenzi bawe babivugaho

 Ikinyoma: Guhora ugenzura uko ukoresha amafaranga yawe bikuvutsa umudendezo.

 Ukuri: Kugenzura uko ukoresha amafaranga ntibikuvutsa umudendezo. Hari igitabo cyagize kiti: “Gucunga neza amafaranga yawe, bituma ubona amafaranga yo kugura ibintu ukeneye ubu n’ibyo uzakenera mu gihe kizaza.”—I’m Broke! The Money Handbook.

 Tekereza: Iyo ugenzuye amafaranga ukoresha . . .

•   Ubona amafaranga ahagije ukeneye. Umukobwa witwa Inez yaravuze ati: “Nifuza kuzatemberera mu magepfo ya Amerika. Ubwo rero kubera ko ari yo ntego mfite, hari amafaranga ngenda nzigama.”

•   Bikurinda imyenda. Bibiliya igira iti: “Uguza aba ari umugaragu w’umugurije” (Imigani 22:7). Anna na we ni uko abibona. Yaravuze ati: “Imyenda ishobora kugenzura ubuzima bwawe. Ariko iyo nta myenda ufite bituma wibanda ku ntego zawe.”

•   Uba ugaragaza ko umaze guca akenge. Iyo witoje gukoresha neza mafaranga ukiri muto, uba witegurira ejo hazaza. Jean ufite imyaka 20 yaravuze ati: “Ni imyitozo myiza y’igihe kizaza, ubwo nzaba nibana. Ngerageza kugenzura uko nkoresha amafaranga kugira ngo mu gihe kizaza bitazangora.”

 Umwanzuro: Hari igitabo cyagize kiti: “Kugenzura uko ukoresha amafaranga ni intambwe ya mbere yo kuba umuntu uzi kwifatira imyanzuro. Gukoresha neza amafaranga yawe bigutoza imico izakugirira akamaro mu buzima bwawe bwose.”—The Complete Guide to Personal Finance: For Teenagers and College Students.

 Menya aho ufite intege nke. Niba ukunze kuba washiriwe, banza umenye aho amafaranga yawe ajya. Ikibazo bamwe bakunze guhura na cyo, ni icyo guhahira kuri interineti. Hari abandi bagenda bakoresha udufaranga dukeduke, ku buryo barangiza ukwezi nta n’urutoboye basigaranye!

 “Atanu aratinda akagwira. Ngaho uyu munsi uhuye n’umuntu uramuhereje, ugeze muri resitora uraguze, ejo uguze akantu mu iduka ngo ni uko bagabanyije ibiciro; ushiduka utazi aho amafaranga yose wari ufite yagiye!”—Hailey.

 Teganya uko uzakoresha amafaranga. Bibiliya igira iti: “Imigambi y’umunyamwete izana inyungu” (Imigani 21:5). Guteganya uko uzakoresha amafaranga bituma udakoresha arenze ayo winjiza.

 “Niba ukoresha amafaranga aruta ayo winjiza, suzuma aho ajya, ureke kugura ibintu bitari ngombwa. Gabanya ibintu bigutwara amafaranga, ku buryo ayo usigarana aruta ayo ukoresha.”—Danielle.

 Ibindi wakora. Hari ibintu byinshi wakora kugira ngo umenye aho amafaranga yawe ajya kandi wirinde gusesagura. Hari abakiri bato benshi basanze izi nama zikurikira ari ingirakamaro.

•  “Ubusanzwe, iyo nkibona amafaranga mpita nyajyana muri banki kugira ngo ntagira amashyushyu yo kuyakoresha.”—David.

•  “Iyo ngiye mu iduka, nirinda kwitwaza amafaranga menshi. Ibyo bituma ntakoresha arenze ayo nateganyije.”—Ellen.

•  “Iyo nitonze mbere yo kugura ikintu, hari ubwo nsanga nta cyo nari nkeneye.”—Jesiah.

•  “Ntabwo ari ngombwa kujya mu birori byose. Nta mpamvu yo kujyayo mu gihe nta bushobozi ubifitiye.”—Jennifer.

 Umwanzuro: Ntibyoroshye gucunga amafaranga. Colin twavuze tugitangira na we ni wo mwanzuro yagezeho. Yaravuze ati: “Ntabwo ngomba gusesagura kuko nzagera aho ngatunga umuryango wange. Ibyo niba ntabishobora nkiri ingaragu, byazangora maze gushaka.”