Intambwe 5 zo Gukora Imyitozo Igabanya Ibiro

Tsinda mu museso utsinda umunsi wose!

Ushobora kuba warihaye intego yo gukora imyitozo ngororamubiri kugirango ugabanye ibiro cyangwa kugirango ugire ubuzima bwiza muri rusange. Ushobora kuba udafite iyo ntego kuko wowe ntakibazo ufite, ariko uzi mugenzi wawe: umuvandimwe, inshuti, uwo mukorana, umukunzi, umubyeyi, etc. uziko afite izo ntego cyangwa uzikeneye. Icyo nizeyeko tuziranyeho nuko izi ari imwe mu mihigo ijyerwaho n' umugabo igasiba undi. Hari abatangira ntibarenze icyumweru kimwe batarabihagarika; abandi tugira igihe cy' amezi make mu mwaka aho ushyiramo imbaraga, impinduka ukazibona ndetse nabantu uciyeho bakakubwira bati: "Warananutse!", "Usigaye uterura!", "Muri iyi minsi umeze neza!" ariko nyuma y' amezi make ukabihagarika.

Intambwe ya 1. IHE INTEGO Z'IGIHE KIRAMBYE

Abenshi batangira imyitozo ngororamubiri bafite intego z' igihe gito mu mutwe. Ibyo bigaragazwa nicyo bavugako bashaka kujyeraho; reka turebe ingero z' intego abantu bababafite n'izo bakagombye kwiha:

• Intego ntiyakabaye kugabanya ibiro 10 mu mezi atatu; ahubwo yakabaye kugira ubuzima bwiza iminsi y' ubuzima bwanjye bwose
• Intego ntiyakabaye guterura icyuma cy'ibiro 150; ahubwo intego yakabaye kudasiba gukora sport
• Intego sugushyira hasi ibyo ukora byose ngo witegure kuzaza kumwanya wa mbere mw'irushanwa ryo kwiruka riri mu kwezi gutaha; ahubwo wakagombye gutumbera gukoresha ibihe bito umwaka utaha kurusha ibyo ukoresha none, no gukoresha ibihe bito imyaka ibiri iri imbere kurusha ibyo uzaba ukoresha umwaka utaha. 

Saving Money Almost Without Denying Yourself Anything

 

Source: Ukrgate

There is hardly a person who is unfamiliar with the problem of saving money. Money can serve a person a good service and can be a problem because when used irrationally, they flow like water through the fingers.

 In an age of advertising and a huge variety of goods and services, we sometimes lose touch with reality, buy what we don’t need, and spend money faster than we earn. But this problem can be easily solved.

Set a goal. Saving for the sake of saving is suitable either for stingy people or for those who are very organized and have great willpower not to spend money. If you do not belong to these categories of people, then you should set yourself a goal for which you will start saving. Ask yourself, what do you want to spend your money on? It can be a trip, buying something expensive and other things. The main thing – the goal should motivate you to save.

Avoid spontaneous purchases. Today you saw a beautiful clock in the shop window, tomorrow you may stop liking it. Be more responsible when shopping.

Keep track of your income and expenses. Pay there all the costs, even the smallest ones. This will allow you to clearly see where most of your money is flowing and what you can really save on.

Top 5 Techniques For Personal Budgeting and Saving Money

Last month, the company that I work for paid us our December salary on the 20th so that we can enjoy the holidays with some cash at our hand. Fast forward today at lunch, me and my collogues were taking about how long it has been since the last time we got a pay check --- exactly 28 days, and most of us our pockets are empty. This is an unusual situation but it doesn't only concerns people working for a salary; for those who own businesses there are cash-boom and cash-dry periods as well. In any case, those are the times that a cautious saver might fall back to the piggy bank, your saving accounts, or even better get money from your second or third hustle.

Whatever you do, you need to careful plan ahead and to have a finance discipline  that is achieved by but a few people yet it's easy for everyone to apply. It is an essential skill in life not taught in schools, fortunately you can learn from practice and from experiences others. These 5 techniques I'm sharing below will help to guide you and you can build on them to start your personal finance journey. . However, they should be contextualized and adjusted to your own situation since there is no one-size-fits-all standards for managing your finances, whether it’s your savings, budget, retirement planning, or anything else. 

1. Differentiate your wants from your needs

The sad truth is - you can't have it all, and trying to do so it's fairytale and an endeavor bound to fail.