“Ejo bundi narinjiye mu mangazini ngiye kuratira ijisho gusa. Erega nasohokanye ikintu kizimvye ntari mfise umugambi wo kugura!”​—Colin.

 Colin ariyemerera ko bimugora gukoresha neza amahera. Woba nawe ufise iyo ngorane? Nimba uyifise, iki kiganiro kirashobora kugufasha.

•  Kubera iki wokoresha neza amahera?

•  Ukuntu wobigenza

•  Ivyo urunganwe rwawe ruvuga

 Iciyumviro kitari co: Kurazwa ishinga n’ingene ukoresha amahera bizotuma wiboha.

 Uko ibintu biri koko: Gukoresha neza amahera yawe bizotuma uronka umwidegemvyo mwinshi aho kuwugabanya. Igitabu kimwe (I’m Broke! The Money Handbook) kigira giti: “Uko urushiriza kumenya ivy’amahera ni ko urushiriza kuyakoresha mu vyo ukeneye, haba ubu no muri kazoza.

 Nurimbure ibi: Niwakoresha neza amahera yawe . . .

•   Uzosanga ufise amahera akwiye igihe uzoba uyakeneye. Umuyabaga umwe yitwa Inez agira ati: “Noshima kuja gutembera muri America y’epfo umusi umwe. Igihe nziganya amahera, ndagerageza kwama nibuka uwo mugambi.”

•   Uzogira amadeni make (canke ntugire na rimwe). Bibiliya igira iti: “Uwugurana aba umusavyi wa nyene kumugurana.” (Imigani 22:7) Umwigeme yitwa Anna aravyemeza, ati: “Amadeni arashobora kukwigarurira. Kubaho udafise ideni bituma witunira ku migambi yawe.”

•   Uzoba werekanye ko uhumuye. Abakoresha neza amahera baba biteguriye neza ubuzima bwo mu bigero. Umwigeme yitwa Jean w’imyaka 20 agira ati: “Birantegura ku bwa kazoza, igihe nzoba nimenya muri vyose. Ndagerageza kudasesagura ubu, kugira nzobigenze gutyo nyene no hanyuma.”

 Iciyumviro nyamukuru: Igitabu kimwe (The Complete Guide to Personal Finance: For Teenagers and College Students) kigira giti: “Kumenya gukoresha neza amahera ni ugutera intambwe ya mbere ihambaye izogushikana ku kwigenga. Gukoresha neza amahera yawe ni ubuhinga buzogufasha mu misi usigaje kubaho.”

 Numenye ubugoyagoye ufise. Nimba wama usanga wakehaniwe n’amahera, nubanze umenye ikikumarira amahera. Kuri bamwe, ni ukugura ibintu bakoresheje internet. Ku bandi na bo, ni utuntu “dutoduto” baza baragura, ukwezi kugahera mu mufuko hera!

 “Utuntu dutoduto ngura buri musi tuguma tugwira: Emama agakado ku kandi, agakawa, akantu mbonye mu mangazini, inyuma y’ukwezi nkabura iyo amadolari ijana yose yanyikiye!”​—Hailey.

 Nugire urutonde rw’amahera uzokoresha. Bibiliya igira iti: “Imigambi y’umunyamwete ntibura kuvamwo akarusho.” (Imigani 21:5) Igihe ugize urutonde rw’ingene ukoresha amahera, urabona ko ayo usohora atarenze ayo winjiza.

 “Nimba usohora ayaruta ayo winjiza, numenye ibitwara amahera uce uheba kugura ivyo udakeneye. Nugabanye urutonde rw’ivyo ugura gushika winjije amahera aruta ayo usohora.”​—Danielle.

 Nushitse ivyo wiyemeje. Hari uburyo bwinshi bwo gucungera neza amahera yawe maze ukirinda gusesagura. Hari abakiri bato basanze uburyo bukurikira ari kirumara:

•  “Akenshi, nca ntwara ubwo nyene amahera yanje muri banki kubera nzi yuko nzoyasesagura buhoro ari yo ari.”​—David.

•  “Iyo ngiye gusuma, ntwara amahera agereranye. Gutyo, singura ibirenze ivyo nategekanije.”​—Ellen.

•  “Uko mba ndarindiriye kugura ikintu, ni ko ndimbura nitonze ko noba ndagikeneye canke ko ntagikeneye.”​—Jesiah.

•  “Si ngombwa ngo nje mu manza zose! Birambera vyiza ndetse kwitaba ubutumire igihe ntafise uburyo.”​—Jennifer.

 Iciyumviro nyamukuru: Gukoresha neza amahera ni ibanga rikomeye. Umwe Colin twavuga mu ntango yaratanguye kuvyibonera. Agira ati: “Nimba nshaka kuba serugo muri kazoza, emwe sinkwiye kuza ndasesagura amahera! Ndavyifashemwo nabi ku bijanye n’amahera ubu ntarubaka urwanje, sinzokworoherwa maze kurushinga.”