Ja ku birimwo

Ja ku rutonde rw’ibirimwo

 Ivyotuma mu rugo haba agahimbare

Ingene mwohangana n’amadeni

Ingene mwohangana n’amadeni

Giannis * avuga ati: “Urudandaza rwanje rwarahomvye bivuye ku ngorane z’ubutunzi zabaye mu Bugiriki, akaba ari co gituma tutabaye tugishobora kuriha amahera y’inzu be n’ayandi nari naraguranye. Sinatora agatiro kuko naguma mpagaritse umutima.”

Katerina avuga ati: “Inzu twari twarubatse twarayikunda, akaba ari co gituma ntashobora kwihanganira ivyo kuyitakaza. Twe n’umugabo wanje Giannis twarahazutse akatari gake ku bijanye n’ukuntu tworiha amadeni dufise.”

AMADENI arashobora gutuma mu rugo imitsi iranda canke akarusambura. Nk’akarorero, umushakashatsi yitwa Jeffrey Dew yasanze umugabo n’umugore bari mu madeni bamarana umwanya mutoyi, bagahazuka kenshi kandi bagahimbarwa buhoro. Ugereranije n’ibindi bibazo, ukutumvikana gushingiye ku madeni no ku vy’ubutunzi usanga kumara igihe kirekire, kugatuma haba uguterana amajambo be n’ukurwana, kandi kurashobora no kuvyura ibindi bibazo. Ntibitangaje rero kubona ahanini abantu benshi bahukana bivuye ku kutumvikana gushingiye ku mahera.

Amadeni y’umurengera arashobora no kugira ingaruka mbi ku magara, agatuma umuntu arwara indwara yo kubura itiro, akameneka umutwe, akaribwa mu mushishito, akarwara indwara y’umutima, hamwe n’akabonge. Umukenyezi yitwa Marta avuga ati: “Umugabo wanje Luís yaragize akabonge kenshi bivuye kw’ideni twari dufise ku buryo yamara hafi umusi wose aryamye. Uwahora ari inkingi y’urugo yari asigaye atakibona ico yofata n’ico yoreka.” Hariho abo bitorohera kwigumya iyo bari mu maganya atewe n’amadeni. Nk’akarorero, amakuru yashikirijwe n’itororokanirizo ry’amakuru rya BBC yaravuze ivyerekeye umukenyezi wo mu bumanuko bushira ubuseruko bw’Ubuhindi yiyahuye igihe yananirwa kuriha amadeni yari yarafashe angana n’amadolari  840 y’Abanyamerika (nk’amarundi 1.200.000). Yari yayaguranye kugira ngo avuze abana biwe.

Mwokora iki nimba umuryango wanyu urimwo amaganya aturutse ku madeni? Nimuze turimbure ingorane zimwezimwe zikunze gushikira abubakanye igihe bahanganye n’amadeni, turabe n’ingingo ngenderwako zo muri Bibiliya zishobora kubafasha kuzitorera umuti.

INGORANE YA 1: Turatanako umwikomo.

Umugabo yitwa Lukasz avuga ati: “Nagiriza umugore wanje yuko asesagura, na we akidoga avuga yuko iyo nja kuba mfise akazi nkora umwaka wose tuba dufise amahera akwiye.” None abubakanye bokwirinda gute gutandukanywa n’ikibazo c’amadeni?

Icobafasha: Nimusenyere ku mugozi umwe ku kibazo c’amadeni.

Guta ishavu ku wo mwubakanye nta co bishobora gufasha mbere n’igihe ata ruhara woba waragize kugira ngo mwinjire muri iryo deni. Ico gihe ni ho canecane uba ukeneye gushira mu ngiro iyi mpanuro iri mu Banyefeso 4:31 ivuga iti: “Umururazi ubabaza wose, n’ishavu, n’uburake, n’ugukankama, n’ugutukana, bikurwe muri mwebwe, hamwe n’ububi bwose.”

Nurwanye ideni, nturwanye uwo mwubakanye. Umugabo yitwa Stephanos aravuga ukuntu yasenyera ku mugozi umwe n’umukenyezi wiwe, ati: “Ideni twaribona nk’umwansi dusangiye.” Ukwo gusenyera ku mugozi umwe kurahuye n’ibivugwa mu Migani 13:10, ahagira hati: “Kubera ukwita imbere, umuntu atera intambara gusa, mugabo mu baja inama hari ubukerebutsi.” Aho kwita imbere ngo ugerageze gutorera umuti ingorane z’ubutunzi uri wenyene, nimuziyage ata guhishanya hanyuma mukorane mu bumwe mu kuzitorera umuti.

Abana banyu barashobora kugira ico baterereye. Sebibondo yitwa Edgardo wo muri Arjantine, aravuga ivyabaye mu muryango iwe ati: “Umuhungu wanje yaripfuza kuronka ikinga rishasha, yamara twaramusiguriye igituma bitashoboka ko turimugurira. Twaciye tumuha ikinga ryahora ari irya sekuru, kandi yarahimbarwa cane no kurigenderako. Narabonye agaciro ko gusenyera ku mugozi umwe uko tugize umuryango.”

GERAGEZA IKI KINTU: Nimurondere umwanya wo kuyaga ivyerekeye amadeni mufise mudahishanya kandi muturuye. Niwemere amakosa ushobora kuba warakoze. Ariko rero, aho kuguma mushimika ku vyaheze, nimugerageze kwemeranya ingingo ngenderwako muzoza murisunga mu bijanye no gukoresha amahera.​—Zaburi 37:21; Luka 12:15.

INGORANE YA 2: Kuva mw’ideni umenga ntibishoboka.

Uwitwa Enrique yibuka ibi: “Nafashe ideni rinini cane mu rudandazwa rwanje, ibintu bikaba vyagiye kwunyurwa n’ingorane z’ivy’ubutunzi zabaye muri Arjantine. Muri ico gihe nyene, vyarabaye ngombwa ko umukenyezi wanje aja kwa muganga kwibagisha. Nabona ko ntazokwigera mva muri iryo deni, nkabona ko meze nk’isazi ifatiwe mu nzu y’igitangurirwa.” Umugabo yitwa Roberto wo muri Brezile yarafashe uduhera twose adushira mu rudandaza hanyuma rurahomba, akaba kandi yari afitiye ideni amabanki 12. Avuga ati: “Kubonana n’abagenzi banje vyarantera isoni nyinshi. Nabona ko kabaye.”

Wokora iki none igihe wumva wacitse intege, ukaguma wiyagiriza canke ukumva ibimaramare kubera ideni wafashe?

Icobafasha: Nimucungere neza ingene mukoresha amahera yanyu. *

 

1. Nimumenye amahera mukoresha uko angana. Nimba vyorushiriza kuba ngirakamaro, nimugume mwandika amahera yose mwinjiza n’ayo musohora mu kiringo c’indwi zibiri canke ukwezi. Kuri ayo nimuce mwongerako ayo musohora ku bintu mutama mukenera buri gihe, nk’amatagisi, asiransi canke ayo mugura ivyambarwa, muyongereko mubanje kugereranya ayo kimwekimwe cose muri ivyo cotwara buri kwezi.

2. Nimwongereze ayo mwinjiza. Mwoshobora gukora amasaha yiyongereye aho musanzwe mukorera, mugakora ibiraka mu biringo bimwebimwe, mugaca amahera mu kwigishiriza i muhira umunyeshure kanaka, mukegeranya ibintu bimwebimwe vyakoreshejwe mukabigurisha, canke mukiga ingene mwocisha amahera ikintu mukunda gukora mu kwisamaza. Ariko mugabe kuri iki kintu: Ntimureke ngo akazi kaje imbere y’ibintu bihambaye kuruta, nk’ivyo musanzwe mukora mu bijanye n’ivy’Imana.

 3. Nimugabanye ayo musohora. Nimugure ikintu mukeneye gusa, ntimukigure kubera gusa kiriko kiradandazwa. (Imigani 21:5) Enrique, umwe twavuga, agira ati: “Ni vyiza kutihutagiza kugura ikintu, kuko bigufasha kumenya nimba vy’ukuri ugikeneye canke ucipfuza gusa.” Ehe ibindi bintu bishobora gufasha:

  • Uburaro: Nimba bishoboka, nimwimukire mu nzu muriha amahera make. Nimugabanye amahera y’amatara n’amazi mu kubikoresha neza.

  • Ibifungurwa: Nimwitekerere akantu ko kwivuna umusase aho kwama muja mu buriro. Nimugurire ibintu aho babigurisha ku giciro co kuranguza canke aho bagabanije ibiciro. Uwitwa Joelma wo muri Brezile avuga ati: “Kugira ngo nziganye amahera, mpora nja kugurira ivyamwa n’imboga ku tuguriro two kw’ibarabara igihe tuba tugira turemure.”

  • Kwiyunguruza: Nimukoreshe uburyo buzimbutse bwo kwiyunguruza, canke mugende n’amaguru igihe bishoboka.

Mumaze kugabanya ayo musohora, haba hasigaye ko mukoresha neza ayo mufise.

4. Nimurimbure ideni mufise hanyuma mugire ico mukoze. Kuri buri deni, banza murimbure inyungu musabwa, ayo bazobaca kubera utundi tuntu, ingaruka zobashikira muramutse murishe mutevye canke ntimurihe, murabe n’uko hoba hatararengerana kuriha iryo deni. Nimusuzume mwitonze ibiri mu nyandiko zijanye n’iryo deni, kuko abatanga amadeni boshobora gukoresha uruyeri. Nk’akarorero, ishirahamwe rimwe ryo muri Leta Zunze Ubumwe za Amerika ritanga ingurane y’igihe gito ryavuze yuko inyungu risaba ari ibice 24 kw’ijana, kandi mu vy’ukuri ari ibice birenga 400 kw’ijana.

Ubukurikira, nimushinge urutonde rw’ingene muzogenda murariha ayo madeni. Kimwe mu vyo mwokora ni ukubanza kuriha amadeni abasaba inyungu nini. Ikindi kintu mwoshobora gukora ni ukubanza gusozera kuriha amahera makemake yoba asigaye ku madeni mutararangiza kuriha, kubera ko iyo amadeni agabanutse bituma mwumva muremye mu mutima. Nimba hari amadeni mwafashe asaba inyungu nini, hari aho vyogira ico bifashije mufashe ideni risaba inyungu ntoyi kugira mube murariha ayo ya mbere.

Ubwa nyuma, mu gihe mubonye ko uburyo mwiyemeje bwo kuyariha bubananiye, nimugerageze muvugane n’abo mufitiye ideni uburyo bushasha muzoza murayariha. Mwoshobora gusaba ko bobongereza ikiringo co kuyariha canke bakagabanya inyungu muzobaha. Abo mufitiye amadeni bamwebamwe boshobora no kubagabaniriza ayo mubafitiye mu gihe mwobarihira icarimwe igice kinini cayo. Nimuvugishe ukuri kandi mugire urupfasoni igihe musigura ukuntu ivy’ubutunzi vyanyu vyifashe. (Abakolosayi 4:6; Abaheburayo 13:18) Nimwandike ivyo mwemeranije. N’igihe batoshoka babibemerera, ntimutezure kuguma musaba ko mwokworoherezwa igihe cose bikenewe.​—Imigani 6:1-5.

Ariko ntiwumve, murakwiye kumenya ko vyose bitazogenda uko muvyipfuza. Naho mwokoresha uburyo bumeze neza gute, ibintu vyoshobora kugenda nabi bivuye ku bintu mutari mwiteze, narirya akenshi amahera ‘yimerera amababa nk’ay’inkona, akaguruka yerekeza mu majuru.’​—Imigani 23:4, 5.

 GERAGEZA IKI KINTU: Mumaze gutegekanya ingene muzoyakoresha, nimuyage ku kuntu umwe wese yogira ico aterereye kugira ayo musohora agabanuke canke kugira ayo mwinjiza yongerekane. Igihe umwumwe wese abona akigoro abandi bagira, vyoshobora gutuma murwanira hamwe urugamba rwo kurwanya ideni.

INGORANE YA 3: Amadeni araturuhisha mu mutwe.

Urugamba rwo kurwanya ideni rurashobora guhungabanya ibintu bihambaye cane mu buzima bwacu. Umugabo yitwa Georgios yavuze ati: “Ingorane nyamukuru twari dufise yari iy’uko ata kindi twakora mu buzima atari ukuraba ko twokwikurako amadeni. Ivyo twari dukwiye gushira imbere mu buzima si vyo twitwararika.”

Icobafasha: Nimubone amahera mu buryo bubereye.

Mushobora kuba mumaze imyaka itari mike muriha amadeni mwafashe naho mwoba mwaragize utwigoro tumeze gute. Ariko rero, ukuntu mubona ibiberekeye kuzovana na mwebwe. Aho kuguma mwiyumvira ivyo kuronka amahera canke kuyakena, vyoba vyiza mukurikije impanuro ya Bibiliya igira iti: “Iyo rero dufise ivyo kurya n’ivyo kwambara, ivyo biratubumba.”​—1 Timoteyo 6:8.

Kubumbwa n’ukuntu ivyanyu vyifashe mu vy’ubutunzi bituma “mwiyemez[a] neza ibihambaye kuruta ibindi ivyo ari vyo.” (Abafilipi 1:10) Muri ivyo bintu “bihambaye kuruta ibindi” harimwo ubugenzi ufitaniye n’Imana n’umuryango wawe. Georgios, umwe twavuga, agira ati: “Naho tutarariha amadeni yose dufise, si co kintu tugumizako umutima mu buzima bwacu. Ubu turahimbawe cane mu mubano wacu kubera ko twongereje umwanya tumarana n’abana bacu, uwo tumarana uko turi babiri, n’uwo tumara turi kumwe mu bikorwa vy’Imana.”

GERAGEZA IKI KINTU: Nushire ku rutonde ibintu bifise agaciro vy’ukuri kuri wewe kandi bidashobora kugurwa amahera. Nuce wiyumvira ukuntu worushiriza guhebera umwanya n’inguvu kimwekimwe cose muri ivyo bintu.

Ni ivy’ukuri yuko ingorane ziterwa n’amadeni zituma abantu bagira amaganya, kandi kuzitorera umuti bigasaba utwigoro; yamara, ivyiza bivamwo birashimishije. Umugabo yitwa Andrzej wo muri Polonye avuga ati: “Igihe namenya ko umugore wanje yishinze uwo bakorana yafashe ideni rinini cane agaca apotera ataririshe, i muhira iwacu hama icuka kibi; ako ni agace gusa ndabaciriye.” Ariko rero, aravye ukuntu we n’umugore wiwe bavyifashemwo, avuga ati: “Mu vy’ukuri, twararushirije gufatana mu nda, bitavuye kuri iyo ngorane, ariko bivuye ku gusenyera ku mugozi umwe mu kuyitorera umuti.”

^ ing. 3 Muri iki kiganiro, bamwebamwe si ko basanzwe bitwa kubera ko bitashimwe ko bamenyekana.

^ ing. 17 Ushaka ibindi vyiyumviro, raba ikiganiro kivuga ngo “Ushobora gute kubaho uhuza n’uburyo ufise?” mu Munara w’Inderetsi wo ku wa 1 Ruheshi 2011 wasohowe n’Ivyabona vya Yehova.

NIWIBAZE UTI . . .

  • Nofasha gute umuryango wanje kuva mu madeni?

  • Twokora iki kugira ngo amadeni ntiyiganzire ubucuti dufitaniye canke ngo abusambure?