AMAHAME YAGUFASHA GUKORA BUSINESS YAWE NEZA (IGICE CYA 2)

AMAHAME YAGUFASHA GUKORA BUSINESS YAWE NEZA (IGICE CYA 2)

Ntabwo ushobora kuba umukire watangiye business wikorera ukoresha amafaranga mu buryo utateguye neza, ngo kubera ko wizihiwe gusa –cyangwa ushaka kwemeza abantu muri kumwe ko ‘uri umuntu uri ku rwego runaka : ufite amafaranga !’

Ivan Nyagatare

Dukomereze ku ihame rya 3. Igice cya mbere wagisoma hano

Ihame rya gatatu. Kwimenyereza kwandika ibyo ukoresha n’amafaranga ubikoresha mu gihe runaka. [Periodic Acurate Expenses Records].

Gusa igishobora koroha muri ibingibi ni ukwandika ibintu uhereye ku gihe gito gishoboka : umunsi, iminsi 7 cyangwa ukwezi. Umwaka biba byatangiye kuba byinshi. Byanavuzwe na Benjamin Franklin wagize ati : « Itondere kumenya agaciro k’utuntu duto, duto cyane ukoresha buri munsi. Ati akabuye gato wasuzuguye gashobora kuroha ubwato bunini cyane ! »

Aha bivuga iki ? Niba business ari iyawe, ukaba ubizi neza ko wifuza gutera imbere kandi mu myaka izaza ukaba umuherwe, zirikana cyane kwandika no guha agaciro ibintu bitoya kandi wakoreshejemo amafaranga.

Reka dufate urugero mu buzima busanzwe : Ni bacye cyane muri mwebwe  mushobora gutaha, mugafata agakayi kanyu mukandikamo ibiceri 300 mwahaye umwana wabasabirije ku muhanda.

300, 100 cyangwa 200 wumva ntacyo bitwaye kuba wabitanze ! Uhita unabyibagirwa ako kanya. Amafaranga wiyogosheshereje, ayo wahaye uwakumeseye mu mutwe nk’agahimbazamusyi, ayo wishyuye taxi moto akabura ibiceri 200 byo kukugarurira ukamubwira ngo ‘igendere’, nawe ugahita wigendera, n’ibindi…

Reka dukore imibare micye muri uru rugero, urahita ubona impamvu ari ingenzi ku muntu uharanira gutera imbere byihuse kwandika utu tuntu twita ‘duto duto’, nyamara tubyara ‘ikintu kinini’ iyo duteranyije :

•Biroroshye ko umuntu ufite ishoramari rimwinjiriza ku kwezi ibihumbi 100 by’amanyarwanda ashobora gutega moto buri munsi agiye ku kazi. Mu gihe cy’icyumweru, wibaze mu minsi 4 muri iyongiyo hari igihe umumotari yabuze ibiceri 200 amugarurira, hanyuma ukabimurekera – ibyo ni ibisanzwe, abantu benshi barabikora.

•Biranoroshye kandi ko uyu munsi wakwishimira ko umuhereza waguhereje icyayi muri resitora yabikoze neza, ukamusigira ibiceri hagati ya 100 na 500 yari agiye kukugarurira, uti ‘igendere’ -Abantu benshi barabikunda kandi ni byiza. Tuvuge nanone ko unywa icyayi 3 mu cyumweru, -nabyo ni ibisanzwe.

•Nanone tuvuge ko uha igiceri cy’100 abantu baje bagusaba bagutakira ko bababaye. Mu kwezi ukagiha 5 –nabyo ni ibisanzwe kugira impuhwe n’ubuntu.

Aya mafaranga yose tumaze kubona wumva utigeze uha agaciro cyane utanafashe mu mutwe amaze kuba 16.000 mu kwezi kumwe ! Ibingibi ntabwo wigeze ubyandika ! Kandi twibuke ko aya mafaranga ava muri business nto watangije uteganya ko ari yo ‘izakugira umukire’.

Igitangaje muri ibingibi rero, ni uko nyuma y’umwaka, niba wabibaze neza, uzasanga warengeje 20% by’umushahara wawe wa buri kwezi!

Impamvu kwandika ibingibi ari ngombwa, bituma ubikora : (1) ahantu ha ngombwa, ariko (2) bituma umenya uko ishoramari ryawe rihagaze : Ukavuga uti niba narinjije ayangaya, nanasohoye ayangaya.

Ihame rya kane. Kwirinda akamenyero ko gukoresha amafaranga mu buryo butateguwe neza [Bad Debit]

Ntabwo ushobora kuba umukire watangiye business wikorera ukoresha amafaranga mu buryo utateguye neza, ngo kubera ko wizihiwe gusa –cyangwa ushaka kwemeza abantu muri kumwe ko ‘uri umuntu uri ku rwego runaka : ufite amafaranga !’

Kenshi ubucuruzi ukuramo aya mafaranga bwo uba warangije kubusorera.
Ni ukuvuga ko aya mafaranga nayo urimo ukoresha utya, hari ikindi gipande wavanyeho –wahaye leta, cy’umusoro.

Ihame rya gatanu. Mu bushobozi bucye cyane ufite, gerageza ushake ahantu hitwa ‘iwawe’. ‘Icyawe’. [Develop Assets].

Iwawe. Cyangwa se ikintu cyawe. Mu ishoramari rirambye kandi rizaramba, ni byiza ko umushoramari agira ahantu yita ahe. Ibintu runaka byitwa ibye –cyane cyane umutungo utimukanwa. Mu ishoramari cyangwa se kwihangira umurimo, imitungo yose yimukanwa irimo amafaranga, imodoka, amatungo n’ibindi bintu byose by’agaciro utunze ariko bishobora kwimukanwa, abahanga babyita mu ndimi z’amahanga ‘biens temporaires’ isaha n’isaha biba byashonga nk’isabune, bikayonga burundu ukabibura mu gihe cyo guhumbya, mu buryo bw’amanzaganya.

Mu mafaranga macye ufite, itoze kugura ubutaka, cyangwa se amasambu runaka cyangwa amazu ; ubisimbuze amafaranga wari ufite mu ntoki, kuri konti. Mu bundi buryo, ni ugufata amafaranga yawe n’ubundi wari usanganywe, ariko ukayongerera agaciro.

Ihame rya gatandatu. Menya kwicara usuzume imyitwarire yawe n’imiterere yawe [Habits and Attitudes].

Imigenzo yawe n’uko uteye. Nibiba ngombwa, ibyo ubona bitaboneye mu ishoramari ugende ubihindura gake gake kugera ubihinduye byose, kubera ko nabyo bishobora kuba imbogamizi kuri business cyangwa se ku ishoramari watangiye : Uko uteye nabyo bishobora kuba imbogamizi za business yawe.

Reka dufate ingero nkeya –muri nyinshi ziboneka : Kugira ibiro byinshi cyangwa se ibiro bikeya, kuba muremure cyangwa kuba mugufi, kuba inzobe cyangwa igikara, kuba twarize cyangwa se tutarize. Kuba uberwa n’imyambaro runaka cyangwa se itakubera. Kuba usakuza cyane cyangwa se bakwita ‘malayika’ kubera ko witonda.  Kuba ugira ibanga cyangwa abantu bakwizera. Kuba uvugisha ukuri cyangwa kubeshya kenshi,…

Kimwe muri ibyongibyo gishobora kuba imbogamizi ikomeye cyane ku miterere ya business yawe wenda gushinga cyangwa washinze. Uko uteye n’uko wigaragariza abandi :ibi byose bifite igisobanuro gikomeye cyane ku miterere ya business ushaka gushinga. Birasaba ko uzajya wicara umwanya munini cyane urangije business yawe, ukitekerezaho, kugira ngo uhindure byinshi bikwerekeye.

Kuko imiterere yawe yonyine isobanuye byinshi kuri business ushaka gushinga.

Ihame rya karindwi. Menya gushyiraho imirongo ngenderwaho [Guiding principles].

Photo by Christina @ wocintechchat.com on Unsplash

Imirongo ngenderwaho ubundi iteye nka za nkingi bashyira ku mazu maremare bita ‘garde-fous’. Iyo warangije gushyiraho iyi mirongo, ntabwo ushobora kuyirenga.

Yandike ku mpapuro nini n’amagambo agaragara ahantu urebeshe amaso buri munsi. Uhandike ibyo wifuza kugeraho, n’uko uzabigeraho n’inzira bizacamo. Andika mu nyuguti zitsindagiye ko ko ushaka guhindura ubuzima bwawe mu buryo runaka. Ushyireho imyaka n’igiteranyo cyayo wumva waba wabigezeho.

Urugero wandike uti ‘Ndashaka ko mu myaka 2 ngomba kuba mfite isambu. Naho mu myaka 5, ya sambu nkaba narangije kuyubakamo. Ubwo mu mwaka 1 n’igice ngomba kuba mfite imodoka. Ndashaka kuzaba nkodesha inzu runaka mu gace kanaka k’ubucuruzi.’

Ibyo ubyandike ku rupapuro runini, kandi mu nyuguti nini z’umukara cyane. Ubishyire ahantu ureba buri munsi. Ariko n’ubundi, n’ibindi byose ushaka kugeraho byandike ! iyo mirongo wanditse ijye isa n’aho ikuyobora buri munsi kandi igushyireho icyo twakwita ‘igitutu. pressure’. byanze bikunze mu gihe runaka uzabigeraho.

Ihame rya munani. Itoze kumenya agaciro k’igihe no kugikoresha igihe neza [Time valuing and management].

Uzumva bavuga ngo : ‘Time is life’s greatest equalizer. Igihe ni rwo rugero ruringaniza ubuzima’.

Igihe abantu bose bavuka bakinganya, kandi na nyuma yo kuvuka nta wukirusha undi. Umuntu umwe ashobora gutangira gukira bitewe n’uko yafashe igihe cye akacyongeraho icy’abandi, hanyuma byose bikamubyarira umusaruro : agafata igihe cyanjye, agafata n’icyawe akabihuza. Noneho twembi akaduha amafaranga, tukamuha igihe cyacu.

Ubundi iyo uri umukozi w’umuntu ni gutyo bigenda. Ubwa waragiye kugurisha igihe cyawe wavutse unganya n’uwaguhaye akazi. Hanyuma igihe cyawe wamara kukigurisha, we akaguha amafaranga. Ni muri ubu buryo usanga umuntu amaze imyaka 70 ku isi, ariko atarigeze yikorera ikintu na kimwe mu buzima bwe.
Biterwa akenshi n’uko igihe cye igihe yari ku isi hari undi muntu bakiguze, noneho we akajya amwihera amafaranga, nawe akazinduka ajya kumuha igihe cye guhera mu gitondo kugera nimugoroba. Ubwo agasigarana agahe ko kuryama gusa ! Ni uko abakoresha bacu bateye!

Abantu benshi b’abakoresha barabizi ko igihe kiri ku isi tukinganya. Ariko bungutse ubwenge bwo kugira ngo igihe cyacu bakigure amafaranga, hanyuma twebwe dukurikire amafaranga tujye kugurisha igihe twakagombye kuba dukoresha mu bindi bintu byacu. Ku ruhande rumwe ntacyo bitwaye kubera ko n’ubundi icyo gihe baracyitwishyurira mu gaciro kumvikanyweho, ariko nanone ku rundi ruhande bizagorana cyane ko wowe wahitamo gukora ibintu byawe bwite, kubera ko igihe ugomba gukoresha wakigurishije n’undi muntu.

Niba uri umuhanga, menya gukoresha igihe cy’abandi. Abantu bose ubona bafite igihe cyo kugurisha, ukibagurire. Nurangiza ubakoreshe : ujye ubahemba amafaranga bitahire, bongere babyuke bagaruka kuguha igihe cyabo, wongere ubishyure, bongere batahe!

Ihame rya cyenda. Itoze kugira imyitwarire ikwiye [indangagaciro = Positive Values].

Ku muntu uwo ari we wese ushaka guhindura icyiciro –akava mu cyiciro kimwe cy’ubuzima akajya mu kindi cyiciro cy’ubuzima, Morris arakubwira ngo : « reba neza niba ingeso zawe ufite ubwazo atari imbogamizi » .

Hari ibyiswe indangagaciro = values. Ubusanzwe si ingenzi cyane, ariko muri business indangagaciro ni ingenzi cyane. Impamvu ibingibi babivuga, ni uko ishoramari cyangwa se kwikorera no guhanga akazi bisaba byinshi.

Itoze kuvugisha ukuri,kwihangana, kuba inyangamugayo, kugerageza kubana na benshi neza –kubera ko benshi muri aba nibo bakiriya bawe, kandi bagomba kugira imico inyuranye. Ariko ukabana nabo. Ugomba kwizera abo mukorana, kwimenyereza kunguka ubumenyi no kwiga birushijeho. Ni byinshi. Iyi myitwarire yose ni ingenzi ku ishoramari ryawe no ku mikurire yaryo, kimwe n’iterambere ryawe muri rusange.

Ihame rya cumi. Shora amafaranga mu bintu wumva neza, warangije gusesengura.

Byaba ari ukwibeshya cyane gutumbira business runaka, ngo ‘kuko bakubwiye ko umuntu ugomba kubona amafaranga ari uwashoye muri ibi cyangwa biriya, ngo birunguka cyane ! Burya nta kintu kitagira amafaranga mu ishoramari usobanukiwe, kandi ukora ibyo wumva.

Niba ushora imali mu bintu utumva neza, hari ibintu 2 Morris akubwira : (1) ahari uri mu byo umwanditsi yise ‘hobbies’ ni ukuvuga ‘kwishimisha’ ; cyangwa se, (2) uri mu bujiji butagira uko bungana ! Gushora imali mu bintu udahugukiwemo, utigeze ugiraho amakuru ahagije, utabajije ababigutanzemo, ushatse rwose wabireka kubera ko hari intambwe wasimbutse –yo kugira amakuru ahagije ku bijyanye n’icyo washoramo amafaranga. Ibyo bintu ukora ntabwo ubizi. Bityo, n’uko ubikora, ingorane zirimo n’amabanga bikoreshwa kugira ngo byiruke nabyo ntubizi. Gutera imbere bizakugora, hafo yo kudashoboka !

Ngaya amwe mu mahame nutangira ishoramari cyangwa se ugafata icyerekezo cyo kwikorera cyangwa se wahisemo gushakashaka uburyo wahinduramo ubuzima mu mibereho yawe ukwiye gukurikiza mu gihe ushoye imali – uko yaba ingana kose. Kuko nta n’ubwo igomba kuba ari nini n’ubundi. Ubwo uri umushoramari kimwe n’abandi, kandi urashaka kuzaba umuherwe –niko bigenda. Birashoboka rero. Menya icyo bigusaba.