Habari wakuu!,mi ni graduate-2011 na nimekuwa nikifuatilia matangazo ya kazi hapa JF na kutuma application zangu, nimeitwa kwenye interview 5 na sasa nimeitwa kufanya kazi kwenye kampuni 3 tofauti, zote nimepewa mikataba nimeisoma lkn sijaisaini bado, tatizo ni malipo. Yani ina-arange 380,000 mpaka 400,000. Je, kwa maisha ya Dar zinaweza kukidhi? Mi sina uzoefu na jiji hili nimekuja tu kutafuta kazi na nipo kwa ndugu maana yake nikipata kikazi hicho nitalazimika kuanza maisha yangu.
Huwa ninafurahi sana ninapokutana na vijana wanaoanza kazi. Three yrs back nilikua kama wewe man,napokea 450,000 net ila nilikua naishi kwa wazee. Akili ya kwamba ni save nijipange sikua nayo so nikawa nazitumbua tu. Nikipokea kamshahara ni pamba,babes na parties tu, ikifika katikati ya mwezi naomba niwekewe mafuta kwenye gari( ya mzee!). Those were the good times man, no care in the world. Akili za ku-budget zilikuja nipohama home, so from where I stand kitendo cha kwamba inakubidi uhame ukipata kazi kichukulie kama opportunity. Back to the subject. Hiyo hela inatosha, na faida nyingine ambayo unapata ni kwamba itakufunza namna ya ku-budget. im not going to give u a break down on how to spend the money, just use it wisely. Im going to tell u things ambazo unatakiwa ufanye/ usifanye:
1)Usichukue mkopo benki. Uwe wa gari, biashara au kitu nyingine. Loans zitakurudisha nyuma na ku-reduce net worth yako. Hapo ulipo unaweza ukawa tayari na HSLB loans. Gari ndio sahau kwa sasa coz sio asset ni expense.
2) Invest hela. Usianze biashara/usinunue shares or stocks. Biashara nyingi zitahitaji capital na muda, vitu hivyo huna kwa sasa. Na zina risk, and u cant afford taking risks(this applies to shares/stocks/bonds etc). Fungua investment a/c au fixed deposit a/c , ingiza hata 100,000 kwa mwezi kwa kuanzia( Ukijibana u can do this). Baada ya kuongeza kipato weka hadi kilo 3 kwa mwezi. I presume sasa utakua na umri kama wa miaka 22-24. Ukipata bank wanayotoa say
8% compound interest kwa mwaka(eg FNB), baada ya
miaka 6 unakua na kama
mil 150- mil 200 (kilo 2-3 kwa mwezi). Ni very few self-made ppl wana hiyo amnt by the time they are 30 hapa bongo. Masuala ya biashara yaanze baadae sana, utakapokua na uwezo wa ku-sustain loss ya millions of money.
3) I have a feeling kwamba wewe ni mwanaume sio mwanamke (from the fact kwamba u'll have to move out ukipata kazi). Relationships can be expensive in terms of money na muda, take it from me. So dont play around, u cant be a player without spending. Find urself a nice girl na umpige somo wewe ni nani na unaishi vp so awe anajua kabisa yupo na mtu wa aina gani. Sio unakua na demu ambaye baada ya miezi 6 kazini anaanza kukuuliza gari unanunua lini, utashangazwa!!. Either utachapiwa au utaanza kuishi life ambayo sio yako ili kumridhisha, either way u r f***ed. And yeah, use protection, if u r wondering whether 400,000 itakutosha ukiwa peke yako, try to imagine ukiwa na two more ppl to take care of.Kama wewe ni mwanamke, good for u; ila uwe makini na viserengeti boys vinavyochipukia and, again, use protection.
4)Usiridhike na salary ya 400,000. This means two things. Either
upige mzigo wa kutosha uwe promoted hapohapo au
upige mzigo wa kutosha huku unaangalia sehemu zingine. Note kwamba, kupiga mzigo wa kutosha is not an option. Maana yake ni kamba, hata kama hujaridhika na mshahara, lazima ufanye kazi kwa bidii, akili, heshima, na taadhima. Coz ukiripua, ripua halafu ukajikuta upo hapo mwaka mzima, bottomline ni kwamba u've wasted one year of your life. Kivipi? Baadae itakubidi ufanye vitu hivi: ukiandika CV useme kama ulifanya kazi hapo ->wapigiwe simu ->watoe bad reference ->ukose kazi.Au usiseme kama ulifanya kazi hapo, which means umepoteza mwaka hapo. Moreover, jiendeleze ukishajipanga na kuongeza pato.
5) Matumizi yako yasipande kadri salary inavyoongezeka. This may hard to do as we are always tempted kuongeza matumizi mshahara ukipanda. TRY!
6)Ukisha-invest for around two/three yrs nunua ardhi, trends ya ardhi bongo ina boom vibaya mno, na taxes ni very minimal so the earlie the better.
7) Hii ya mwisho, ipo arguable. In my opinion, usioe mapema. Give yourself atleast 6-7yrs from now. To me marriage means
more responsibilities, emotionally, financially, etc. To others, marriage means
shared responsibilities. I'm not married, so I wouldnt know about shared responsibilities. It's open for a discussion.
Muda unabana, I would have added some more. I wish JF tungekua na investments section( au ipo sijui). Ukifanya nilivyokushauri, find me 5 yrs from now( when u have alost 100M in ur savings) tuongee namna ya kuiongeza.
P.S:
1)Right now, net salary yangu imekua 5 TIMES!! na still ninaishi on less than TZS. 500,000. Tokea nilipogundua the value of money and the power of investing, nimekua an aggressive investor. Hata buku ninaiangalia twice kabla sijaitumia.
2) Ni kweli bongo life imekua ngumu, hasa ukizingatia kwamba value ya degree na value ya shillingi zote zinaporomoka but one thing we have ambayo inabidi tuichukulie advantage ni low taxes na urahisi wa kuanzisha na kuendesha biashara( faida aside! hehe). Low property taxes, low investment taxes, low real estate taxes, etc.
BON CHANCE!!
