Mambo ya kuzingatia ili uwe na Uhuru wa kifedha 2019

[Financial Analyst]

1: Tumia pesa baada ya kuhifadhi, Usihifadhi pesa baada ya kutumia (spend money after saving, do not save after spending).

2: Jitahidi kuwa na mzunguko wa pesa wa mara kwa mara (passive income) kuliko ule wa mapato ya kazi (active income kama vile mshahara)

3: Jitahidi kuhifadhi angalau asilimia 20 ya pato lako kwa ajili ya lengo la kifedha la baadae, asilimia 50 ya pato lako liwe kwa ajili ya vitu muhimu katika maisha yako (chakula, kodi, nk) na asilimia 30 kwa ajili ya matumizi mbali mbali ya kawaida (nguo, mawasiliano, dawa, nk).

4: Epuka matumizi yenye gharama za juu na matumizi ambayo siyo lazima uyatekeleze.

5: Lipa madeni yako na Epuka kuzama katika madeni ya juu.

6: Kumbuka kuweka akiba ya dharura (emergency) na kama ikiwezekana iongeze pesa ya dharura.

7. Wekeza pesa zako ili uongeze kipato chako. Hauhitaji uwe na pesa kibao ndio uwekeze, tumia pesa na kutafuta uwekezaji unaoendana na kiwango chako cha pesa.

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[MAKULUGA]

Hongera Mkuu...watu nyuzi kakam hizi hawasomi

 

[Synod]

Fedha ya dharula kitaalam mnashauri iwe % ya kipato?

 

[Saguda47]

Hizi principle zote zinajulikana, kazi ni kuziweka kwenye uhalisia!
Anyway ngoja tujitahidi.

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[Financial Analyst]

Fedha ya dharula kitaalam mnashauri iwe % ya kipato?

Asilimia 5 hadi 8

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[GUI1]

Hii imekaa vzr sana, na kiukweli mtu ambae ataweza kufanya haya utajiri kwake uko nje nje

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[Mr.genius]

Hivi mfano hiyo principal no#1 application yake inakuaje? I mean practically how do I apply it? Si mara moja au mara mbili naiona /kuisikia lakini nataman kujua procedures zake, challenges zake and how to overcome it plus vivid examples za personal experience or watu waliofanikiwa kwa kutumia mbinu hiyo. Mana mi nilishajaribu ikashindikana I wanna here from successful partners how did u do it?

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[Financial Analyst]

Hivi mfano hiyo principal no#1 application yake inakuaje? I mean practically how do I apply it? Si mara moja au mara mbili naiona /kuisikia lakini nataman kujua procedures zake, challenges zake and how to overcome it plus vivid examples za personal experience or watu waliofanikiwa kwa kutumia mbinu hiyo. Mana mi nilishajaribu ikashindikana I wanna here from successful partners how did u do it?

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mmh ..ni very simple kaka....

Let's say you have monthly income to cover your basic NEEDS and WANTS, ..and you want to start saving.

So first you have to budget for your NEEDS, then figure out how much you want to SAVE (for future needs, nia ya kuanzisha mradi, kujenga nyumba, biashara, ada ya shule ya watoto, medical insurance, ermegency,...na mahitaji yale ya lazima ambayo hauwezi kuishi bila hayo) ili kukidhi hizo needs zako in the future.

And Whatever is left after the money you decide to SAVE is what you will use as spending money for your WANTS.

Hii ikimaanisha, katika kipato chako (INCOME), ..pesa ya utumiaji (spending money) kwa matumizi ya ununuzi wa vitu, mafuta ya gariz, leisure, ...inatakiwa ipatikane baada ya kutoa pesa maalum kwa ajili ya mahitaji yako muhimu maishani ya sasa na baadae.

In reallity, katika pato lako ukiamua ukisevu pesa inayobaki baada ya kuwa umespend sana,. Kinachofuatia ni wewe kukaa katika status quo..your future life may never change coz haukuhifadhi pesa ya kutosha ili kuwa developed and innovated in the future.

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[Mother Confessor]

Vijana tuwe tunapitia nyuzi kama hizi pia,.tusishindane sana kwenye kubebishana kule kwingine,.muda hautoshi..lol

Nadhani kuna umuhimu wa kuwa na financial regulations zetu binafsi kama muongozo wa mambo haya ya kifedha,.au unasemaje?? Financial Analyst

 

[Financial Analyst]

Vijana tuwe tunapitia nyuzi kama hizi pia,.tusishindane sana kwenye kubebishana kule kwingine,.muda hautoshi..lol

Nadhani kuna umuhimu wa kuwa na financial regulations zetu binafsi kama muongozo wa mambo haya ya kifedha,.au unasemaje?? Financial Analyst

Yah..ni kweli..

Hapa bongo vijana hatuna elimu kubwa juu fedha...kila mtu anataka kuwa na biashara lakini anakuwa anakosa elimu ya financial management....haswa personal finance.

So kama ulivyosema..finacial regulations za kwetu binafsi ni muhimu coz zitatujengea a healthy personal finance.

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[wa kupuliza]

Hivi mfano hiyo principal no#1 application yake inakuaje? I mean practically how do I apply it? Si mara moja au mara mbili naiona /kuisikia lakini nataman kujua procedures zake, challenges zake and how to overcome it plus vivid examples za personal experience or watu waliofanikiwa kwa kutumia mbinu hiyo. Mana mi nilishajaribu ikashindikana I wanna here from successful partners how did u do it?

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I wanna 'here' from successfully....

Hapo kwny neno 'here' unamaanisha nini mkuu?


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[Mr.genius]

Typing error mkuu, "hear" is what I meant.

I wanna 'here' from successfully....

Hapo kwny neno 'here' unamaanisha nini mkuu?


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